FineMark National Bank & Trust
FineMark National Bank & Trust reported total assets of $3.9 bn at Q4 2025, its last Call Report before it merged into Commerce Bank. Its common equity tier 1 ratio was 18.27%, and an estimated 30.44% of domestic deposits were uninsured. Source: FDIC Call Report data, cross-checked against FFIEC filings.
- Uninsured share of domestic deposits: down 10.91 pp on Q3 2025, to 30.44%
- Bank equity capital: down 6.9% on Q3 2025, to $379.4 mn
- Return on equity (ROE): down 1.23 pp on Q3 2025, to 3.89%
Ranks compare banks in our US coverage that report each metric. Sparklines: the last ten years. Source: FDIC BankFind Suite (Call Report data), cross-checked against FFIEC Call Report filings. Calculations: EconoMonitor.
Overview
What stands out about FineMark National Bank & Trust?
Against its six size peers, its efficiency ratio stands out most: 85.21% at Q4 2025, above the peer median of 57.54%.
How large is FineMark National Bank & Trust?
At Q4 2025 the bank held $3.9 bn of assets. Deposits were $3.1 bn and net loans and leases $2.7 bn, a loan-to-deposit ratio of 86.42%. Securities of $549.0 mn made up 14.0% of assets.
Total assets rose 225.6% between Q1 2016 and Q4 2025, from $1.2 bn.
How much of its funding is uninsured?
An estimated 30.44% of domestic deposits were above the FDIC insurance limit at Q4 2025, -10.91 pp from the previous quarter and -11.03 pp from a year earlier.
Key facts, Q4 2025
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total assets | $3.9 bn | -4.5% | |
| Total deposits | $3.1 bn | -5.2% | |
| Net loans and leases | $2.7 bn | +1.0% | |
| Bank equity capital | $379.4 mn | +1.1% | |
| Common equity tier 1 (CET1) ratio | 18.27% | +0.83 pp | |
| Tier 1 leverage ratio | 10.42% | +0.46 pp | |
| Return on equity (ROE) | 3.89% | +1.56 pp | |
| Net interest margin | 1.98% | +0.66 pp | |
| Uninsured share of domestic deposits | 30.44% | -11.03 pp | |
| Unrealized gain/loss on held-to-maturity securities | Loss of $5.8 mn | Narrowed by $3.2 mn | |
| Noncurrent loans to total loans | 0.04% | -0.04 pp | |
| Net charge-offs to average loans | 0.01% | -0.02 pp |
US rank: rank among the banks in our coverage reporting each metric, 1 = highest unless marked 1 = lowest.
Balance sheet
Total assets, deposits and net loans, quarterly, Q1 2016 to Q4 2025.
- Total assets $3.9bn
- Deposits $3.1bn
- Net loans $2.7bn
Capital and securities
The common equity tier 1 (CET1) ratio was 18.27% at Q4 2025, +0.83 pp from a year earlier. Since Q1 2016 it has ranged from 12.77% (Q2 2017) to 18.91% (Q3 2025). At Q4 2025 the tier 1 leverage ratio was 10.42% and the total risk-based capital ratio 19.29%. The median CET1 ratio of the size peers listed below was 12.69% at Q4 2025.
Held-to-maturity securities had an unrealized loss of $5.8 mn at Q4 2025, measured as fair value minus amortized cost, equal to 1.5% of bank equity capital. The loss narrowed by $3.2 mn from a year earlier. The largest unrealized loss on these securities was $12.6 mn at Q3 2023. Available-for-sale securities showed an unrealized loss of $20.8 mn at Q4 2025; the loss narrowed by $24.9 mn from a year earlier.
Capital ratios
- Total capital 19%
- CET1 18%
- Tier 1 leverage 10%
Unrealized gains and losses on securities
- Available for sale -$21mn
- Held to maturity -$6mn
Profitability and loan quality
Return on equity was 3.89% for the year to Q4 2025, annualized, with a return on assets of 0.38% and a net interest margin of 1.98%. The margin was +0.66 pp from a year earlier. The efficiency ratio, noninterest expense as a share of revenue as the FDIC defines it, was 85.21%. Net income for the year to Q4 2025 was $15.1 mn, up 83.0% on the same period a year earlier. The median return on equity of its size peers was 9.96% for the same period.
Noncurrent loans, those 90 days or more past due or no longer accruing interest, were 0.04% of total loans at Q4 2025. Net charge-offs for the year to date were 0.01% of average loans, annualized.
Profitability
- Return on equity 3.9%
- Net interest margin 2.0%
- Return on assets 0.4%
Compared with banks of similar size
The six banks ranked closest to FineMark National Bank & Trust by total assets at Q4 2025, three above and three below where possible.
Among the seven banks in the table at Q4 2025, FineMark National Bank & Trust is 4th by total assets. Its CET1 ratio of 18.27% compares with a peer median of 12.69%, its tier 1 leverage ratio of 10.42% compares with a peer median of 10.85%, and its return on equity of 3.89% compares with a peer median of 9.96%.
| Bank | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|
| First Bank | $4.0 bn | 10.67% | 10.29% | 36.25% | |
| Woori America Bank | $4.0 bn | 18.35% | 7.34% | 63.89% | |
| Central Bank & Trust Co. | $3.9 bn | 14.80% | 9.64% | 35.24% | |
| FineMark National Bank & Trust | $3.9 bn | 18.27% | 3.89% | 30.44% | |
| Bank of Marin | $3.9 bn | 12.69% | -8.09% | 38.34% | |
| Bravera Bank | $3.8 bn | 11.57% | 11.50% | 18.06% | |
| Bank of the Sierra | $3.8 bn | not reported | 10.96% | 27.20% | |
Q4 2025. Peer median (the six banks, excluding this one): CET1 12.69%, return on equity 9.96%. Source: FDIC BankFind Suite (Call Report data), cross-checked against FFIEC Call Report filings. Calculations: EconoMonitor.
Last eight quarters
FineMark National Bank & Trust, as reported in its Call Reports.
From Q1 2024 to Q4 2025, total assets fell 6.2% to $3.9 bn, deposits rose 1.2% to $3.1 bn and bank equity capital rose 8.9% to $379.4 mn. Over the same period its full-time equivalent staff went from 263 to 300 and its offices went from 14 to 13.
| Metric | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $4.2 bn | $4.1 bn | $4.3 bn | $4.1 bn | $4.0 bn | $3.9 bn | $3.9 bn | $3.9 bn |
| Total deposits | $3.1 bn | $3.0 bn | $3.1 bn | $3.3 bn | $3.1 bn | $3.1 bn | $3.1 bn | $3.1 bn |
| Bank equity capital | $348.2 mn | $355.1 mn | $374.0 mn | $375.4 mn | $385.5 mn | $394.3 mn | $407.4 mn | $379.4 mn |
| Common equity tier 1 (CET1) ratio | 17.42% | 17.26% | 17.21% | 17.44% | 18.14% | 18.61% | 18.91% | 18.27% |
| Return on equity (ROE) | 1.53% | 1.48% | 1.64% | 2.33% | 4.82% | 5.00% | 5.12% | 3.89% |
| Uninsured share of domestic deposits | 35.99% | 36.49% | 40.69% | 41.47% | 42.47% | 41.58% | 41.35% | 30.44% |
| Full-time equivalent employees | 263 | 281 | 285 | 289 | 299 | 298 | 295 | 300 |
| Number of offices | 14 | 14 | 14 | 13 | 13 | 13 | 13 | 13 |
Source: FDIC BankFind Suite (Call Report data), cross-checked against FFIEC Call Report filings. Calculations: EconoMonitor.
Mergers and acquisitions
Figures before and after each event are not like for like.
- . Merged into Commerce Bank (FDIC certificate 24998).
Source: FDIC BankFind API, institution history. Moves of more than 25% in one quarter are checked against that history in our review.
Identifiers and sources
- FDIC certificate
- 58486
- Federal Reserve RSSD ID
- 3547131
- Head office
- Fort Myers, Florida
- Holding company
- FINEMARK HOLDINGS INC (as reported to the FDIC)
- Holding company RSSD ID
- 3547159
- EconoMonitor ID
- EMB-US-000465
Frequently asked questions
What were FineMark National Bank & Trust's total assets?
$3.9 bn at Q4 2025, according to its Call Report as published by the FDIC.
Is FineMark National Bank & Trust the same as its holding company?
No. This page covers the FDIC-insured bank (certificate 58486). Its holding company, FINEMARK HOLDINGS INC (as reported to the FDIC), reports separately to the Federal Reserve and, if its shares are listed, to the SEC.
How often is this page updated?
Every quarter, after FineMark National Bank & Trust files its Call Report and the FDIC publishes it. This page shows Q4 2025, loaded on 19 October 2026; any sentence that uses an earlier quarter names it.
Where can I check these numbers?
In the FDIC BankFind Suite record for certificate 58486, and in the Call Reports filed under RSSD ID 3547131 at the FFIEC Central Data Repository.
Sources and definitions
Definitions, Call Report fields and formulas for each metric: Bank equity capital, Uses community bank leverage ratio framework, Common equity tier 1 (CET1) ratio, Deposits in domestic offices, Efficiency ratio, Full-time equivalent employees, Loan-to-deposit ratio, Total loans and leases (gross), Net loans and leases, Net charge-offs to average loans, Net income (year to date), Net interest margin, Noncurrent loans to total loans, Number of offices, Return on assets (ROA), Return on equity (ROE), Available-for-sale securities (amortized cost), Available-for-sale securities (fair value), Held-to-maturity securities (amortized cost), Held-to-maturity securities (fair value), Total securities, Tier 1 leverage ratio, Total assets, Total deposits, Total equity capital, Total risk-based capital ratio, Uninsured share of domestic deposits, Estimated uninsured deposits, Unrealized gain/loss on available-for-sale securities, Unrealized gain/loss on held-to-maturity securities.
Checks for this release: Check A (database against the FDIC download) passed, Check B (FDIC against FFIEC Call Report filings) passed.
Source: FDIC BankFind Suite (Call Report data). EconoMonitor is not affiliated with or endorsed by the FDIC. FDIC BankFind Suite API.
Source: FFIEC Central Data Repository (Call Reports). EconoMonitor is not affiliated with or endorsed by the FFIEC. FFIEC Central Data Repository, Public Data Distribution.
Data and analysis only, not financial advice. The FDIC and the FFIEC do not endorse EconoMonitor. See the disclaimer and methodology.