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Climate First Bank
Saint Petersburg, FL · FDIC Certificate #59257 · Chartered 06/0
Total assets
$1.94B
Total deposits
$1.55B
Total equity
$178.28M
Net loans
$1.66B
Branches (offices)
3
Net income (YTD)
$10.83M
Rank: #617 of 4,213 U.S. banks by assets · #21 of 81 in Florida. Assets changed 64.6% and deposits 53.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.22% |
| Return on equity | 13.42% |
| Net interest margin (YTD) | 3.87% |
| Equity to assets | 9.18% |
| Tier 1 leverage ratio | 9.66% |
| Uninsured deposits (share of deposits) | 26.4% |
| Noncurrent loans (share of loans) | 0.12% |
| Net charge-offs (share of loans) | 0.13% |
| Loans to deposits | 107.2% |
| Real estate loans (share of loans) | 53.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $890.54M | 53.6% | |
| Commercial & industrial | $450.65M | 27.1% | |
| Consumer / individual | $331.88M | 20.0% | |
| Construction & development | $136.46M | 8.2% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $220.90M | $180.89M | -$1.84M | $39.12M |
| Jun 2023 | $399.36M | $340.80M | -$1.42M | $45.14M |
| Jun 2024 | $688.15M | $620.89M | $319.00K | $61.10M |
| Jun 2025 | $1.18B | $1.01B | $3.28M | $106.67M |
| Jun 2026 | $1.94B | $1.55B | $10.83M | $178.28M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Florida | $1.55B | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.55B.
Similar-sized banks
Tri City National Bank ($1.95B) · Thomaston Savings Bank ($1.93B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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