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Echelon Bank
Clearwater, FL · FDIC Certificate #59377 · Chartered 05/2
Total assets
$52.16M
Total deposits
$23.49M
Total equity
$27.16M
Net loans
$3.75M
Branches (offices)
3
Net income (YTD)
-$2.13M
Rank: #4,026 of 4,213 U.S. banks by assets · #78 of 81 in Florida. Assets changed - and deposits - over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | -8.19% |
| Return on equity | -15.72% |
| Net interest margin (YTD) | 0.40% |
| Equity to assets | 52.08% |
| Tier 1 leverage ratio | 67.36% |
| Uninsured deposits (share of deposits) | 46.3% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 16.0% |
| Real estate loans (share of loans) | 95.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $3.58M | 95.3% | |
| Commercial & industrial | $0 | 0.0% | |
| Consumer / individual | $220.00K | 5.9% | |
| Construction & development | $759.00K | 20.2% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2026 | $52.16M | $23.49M | -$2.13M | $27.16M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Florida | $23.49M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $23.49M.
Similar-sized banks
Lovelady State Bank ($52.50M) · Farmers & Merchants Bank Of Hutsonville ($52.00M)
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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