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Flagship Bank
Clearwater, FL · FDIC Certificate #58113 · Chartered 01/2
Total assets
$802.81M
Total deposits
$670.39M
Total equity
$97.83M
Net loans
$623.88M
Branches (offices)
6
Net income (YTD)
$3.70M
Rank: #1,254 of 4,213 U.S. banks by assets · #38 of 81 in Florida. Assets changed 15.5% and deposits 11.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.96% |
| Return on equity | 7.72% |
| Net interest margin (YTD) | 3.42% |
| Equity to assets | 12.19% |
| Tier 1 leverage ratio | 11.69% |
| Uninsured deposits (share of deposits) | 45.3% |
| Noncurrent loans (share of loans) | 0.02% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 93.1% |
| Real estate loans (share of loans) | 91.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $569.22M | 91.2% | |
| Commercial & industrial | $58.18M | 9.3% | |
| Consumer / individual | $2.48M | 0.4% | |
| Construction & development | $65.58M | 10.5% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $504.18M | $443.77M | $1.24M | $57.30M |
| Jun 2023 | $577.02M | $510.59M | $2.48M | $64.21M |
| Jun 2024 | $659.00M | $574.56M | $2.40M | $81.43M |
| Jun 2025 | $694.80M | $601.17M | $3.22M | $90.09M |
| Jun 2026 | $802.81M | $670.39M | $3.70M | $97.83M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Florida | $670.39M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $670.39M.
Similar-sized banks
Mrv Banks ($803.09M) · Bank Of Bridger, National Association ($802.73M)
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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