The Bank of Tampa

Overview

What stands out about The Bank of Tampa?

Its largest one-quarter change in total assets since Q1 2016 was +26.9% between Q1 2020 and Q2 2020, a quarter with no merger or acquisition in the FDIC history. Against its six size peers, its uninsured share of domestic deposits stands out most: 53.42% at Q2 2026, above the peer median of 34.02%.

How large is The Bank of Tampa?

At Q2 2026 the bank held $3.0 bn of assets. Deposits were $2.7 bn and net loans and leases $2.0 bn, a loan-to-deposit ratio of 75.67%. Securities of $765.3 mn made up 25.3% of assets.

Total assets rose 112.5% between Q1 2016 and Q2 2026, from $1.4 bn.

How much of its funding is uninsured?

An estimated 53.42% of domestic deposits were above the FDIC insurance limit at Q2 2026, -0.99 pp from the previous quarter and +0.13 pp from a year earlier. That share ranks 59th among 500 banks reporting this metric (1 = highest).

Key facts, Q2 2026

US rank: rank among the banks in our coverage reporting each metric, 1 = highest unless marked 1 = lowest.

The common equity tier 1 (CET1) ratio was 14.52% at Q2 2026, -0.02 pp from a year earlier. Since Q1 2016 it has ranged from 10.12% (Q3 2017) to 14.84% (Q4 2025). At Q2 2026 the tier 1 leverage ratio was 10.97% and the total risk-based capital ratio 15.77%. The median CET1 ratio of the size peers listed below was 12.01% at Q2 2026.

Held-to-maturity securities had an unrealized loss of $27.9 mn at Q2 2026, measured as fair value minus amortized cost, equal to 9.5% of bank equity capital. The loss narrowed by $6.5 mn from a year earlier. The largest unrealized loss on these securities was $56.8 mn at Q3 2023. Available-for-sale securities showed an unrealized loss of $62.9 mn at Q2 2026; the loss narrowed by $24.4 mn from a year earlier.

Return on equity was 13.05% for the year to Q2 2026, annualized, with a return on assets of 1.25% and a net interest margin of 3.64%. The margin was +0.16 pp from a year earlier. The efficiency ratio, noninterest expense as a share of revenue as the FDIC defines it, was 57.96%. Net income for the year to Q2 2026 was $18.8 mn, up 6.7% on the same period a year earlier. The median return on equity of its size peers was 11.34% for the same period.

Noncurrent loans, those 90 days or more past due or no longer accruing interest, were 0.29% of total loans at Q2 2026. Net charge-offs for the year to date were 0.03% of average loans, annualized.

1. 1 October 2021. Absorbed Hillsboro Bank (FDIC certificate 34747).

Large one-quarter moves

• Total assets changed by +26.9% in the quarter to 2020-06-30, with no FDIC structure event in that quarter.

Source: FDIC BankFind API, institution history. Moves of more than 25% in one quarter are checked against that history in our review.