The Bank of Tampa
The Bank of Tampa reported total assets of $3.0 bn at Q2 2026, up 0.6% on a year earlier, the 417th largest of 497 banks in our US coverage. The CET1 capital ratio at The Bank of Tampa was 14.52%, and the uninsured share of The Bank of Tampa was 53.42%. Source: FDIC Call Reports.
Key takeaways
- On return on equity (ROE), The Bank of Tampa slipped from 125th to 209th among 500 US banks between and (1 = highest; FDIC Call Reports).
- Since , The Bank of Tampa has taken over one institution; the latest was Hillsboro Bank on (FDIC Call Reports).
What sets The Bank of Tampa apart
How large is The Bank of Tampa?
The balance sheet of The Bank of Tampa at : assets $3.0 bn, deposits $2.7 bn, net loans $2.0 bn (loans equal to 75.67% of deposits). Securities make up 25.3% of total assets at The Bank of Tampa. Since , when The Bank of Tampa held $1.4 bn, its assets grew 112.5%. In the year to , deposits at The Bank of Tampa fell 0.6% while its total assets rose 0.6%. At , The Bank of Tampa employed 295 full-time equivalent staff across 13 offices, about $10.3 mn of assets per employee and $208.4 mn of deposits per office.
How much funding at The Bank of Tampa is uninsured?
At The Bank of Tampa, uninsured deposits (above the FDIC limit) made up 53.42% of domestic deposits at (+0.13 pp on a year earlier); The Bank of Tampa ranks 59th of 500 on this measure. In dollars, The Bank of Tampa estimated $1.4 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.7 bn | -0.6% | 388th of 499 |
| Net loans and leases | $2.0 bn | +10.6% | 436th of 500 |
| Loan-to-deposit ratio | 75.67% | +7.68 pp | 381st of 500 |
| Tier 1 leverage ratio | 10.97% | +0.54 pp | 176th of 500 |
| Total risk-based capital ratio | 15.77% | -0.02 pp | 128th of 448 |
| Net interest margin | 3.64% | +0.16 pp | 251st of 500 |
| Return on assets (ROA) | 1.25% | +0.08 pp | 276th of 500 |
| Efficiency ratio | 57.96% | -0.72 pp | 292nd of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $27.9 mn | Narrowed by $6.5 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $62.9 mn | Narrowed by $24.4 mn | |
| Noncurrent loans to total loans | 0.29% | +0.08 pp | 103rd of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.03% | +0.06 pp | 155th of 500 (1 = lowest) |
US rank of The Bank of Tampa: 1 = highest unless marked 1 = lowest.
Balance sheet
The Bank of Tampa: assets, deposits and loans
- Total assets $3.0bn
- Deposits $2.7bn
- Net loans $2.0bn
Capital and securities
The CET1 ratio of The Bank of Tampa stood at 14.52% in , -0.02 pp year on year. Low and high at The Bank of Tampa since : 10.12% () to 14.84% (). Equity capital of The Bank of Tampa at : $295.2 mn, or 9.8% of total assets. The Bank of Tampa also reported a total capital ratio of 15.77% for , and a tier 1 leverage ratio of 10.97%.
On held-to-maturity securities, The Bank of Tampa carried an unrealized loss of $27.9 mn at , equal to 9.5% of equity capital. The loss narrowed by $6.5 mn over the year. Its deepest point: $56.8 mn in . The available-for-sale portfolio of The Bank of Tampa showed an unrealized loss of $62.9 mn at ; the loss narrowed by $24.4 mn over the year.
The Bank of Tampa: capital ratios
- Total capital 16%
- CET1 15%
- Tier 1 leverage 11%
The Bank of Tampa: unrealized securities gains and losses
- Available for sale -$63mn
- Held to maturity -$28mn
Profitability and loan quality
For the year to , The Bank of Tampa earned a return on equity of 13.05%; return on assets: 1.25%. Net interest margin at The Bank of Tampa: 3.64%, +0.16 pp in a year. The Bank of Tampa net income: $18.8 mn, up 6.7% year on year. The efficiency ratio of The Bank of Tampa was 57.96%: about 58 cents cost per revenue dollar, against 64 cents at the median peer.
At , noncurrent loans were 0.29% of total loans at The Bank of Tampa; net charge-offs: 0.03% of average loans. Gross loans and leases at The Bank of Tampa: $2.1 bn, up 10.6% in a year.
The Bank of Tampa: profitability
- Return on equity 13%
- Net interest margin 3.6%
- Return on assets 1.2%
Peer group of The Bank of Tampa
The peer group of The Bank of Tampa is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 3 share the charter type of The Bank of Tampa (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 1 has its head office in Florida. Against them, The Bank of Tampa shows CET1 ratio 14.52% against a peer median of 12.01%, return on equity 13.05% against a peer median of 11.34% and uninsured deposit share 53.42% against a peer median of 34.02%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Lawrence Bank | State nonmember bank | TN | $3.0 bn | 12.86% | 9.01% | 25.92% | |
| The National Bank of Indianapolis | National bank | IN | $3.0 bn | 11.42% | 18.16% | 60.27% | |
| Mascoma Bank | State member bank | NH | $3.0 bn | 12.01% | 5.86% | 13.60% | |
| The Bank of Tampa | State nonmember bank | FL | $3.0 bn | 14.52% | 13.05% | 53.42% | |
| U. S. Century Bank | State nonmember bank | FL | $3.0 bn | 12.48% | 16.79% | 54.26% | |
| Southern Bancorp Bank | State member bank | AR | $3.0 bn | not reported | 6.80% | 39.23% | |
| Northwest Bank | State nonmember bank | IA | $3.0 bn | 11.19% | 13.67% | 28.80% | |
. FDIC Call Reports.
Last eight quarters
Two years at The Bank of Tampa, to : assets +0.7%, deposits -0.7%, equity +18.6%. Staff 287 to 295.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $3.0 bn | $3.0 bn | $3.0 bn | $3.0 bn | $3.1 bn | $2.9 bn | $3.1 bn | $3.0 bn |
| Total deposits | $2.7 bn | $2.7 bn | $2.7 bn | $2.7 bn | $2.8 bn | $2.6 bn | $2.8 bn | $2.7 bn |
| Bank equity capital | $249.0 mn | $241.7 mn | $250.7 mn | $256.1 mn | $272.1 mn | $282.9 mn | $285.0 mn | $295.2 mn |
| CET1 ratio | 14.27% | 14.62% | 14.45% | 14.54% | 14.78% | 14.84% | 14.81% | 14.52% |
| Return on equity (ROE) | 13.74% | 14.08% | 13.55% | 14.11% | 14.08% | 13.74% | 12.89% | 13.05% |
| Uninsured share of domestic deposits | 52.50% | 52.16% | 53.12% | 53.30% | 54.58% | 53.14% | 54.41% | 53.42% |
| Full-time equivalent employees | 287 | 293 | 290 | 291 | 290 | 289 | 285 | 295 |
| Number of offices | 13 | 13 | 13 | 13 | 13 | 13 | 13 | 13 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of The Bank of Tampa, oldest first; figures before and after each event are not like for like.
- . Absorbed Hillsboro Bank (FDIC certificate 34747).
Large one-quarter moves at The Bank of Tampa
- Total assets at The Bank of Tampa changed by +26.9% in the quarter to 2020-06-30, with no FDIC structure event in that quarter.
Questions and identifiers
What were the total assets of The Bank of Tampa?
The Bank of Tampa reported $3.0 bn at in its Call Report. That makes The Bank of Tampa the 417th largest of 497 banks in our US coverage.
Is The Bank of Tampa the same as its holding company?
No. This page covers The Bank of Tampa, FDIC certificate 21031; TAMPA BAY BANKING CO (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is The Bank of Tampa profitable?
The Bank of Tampa reported net income of $18.8 mn for the year to ; annualized return on equity: 13.05%. So yes: The Bank of Tampa made a profit over these months.
When is data for The Bank of Tampa next updated?
Figures from The Bank of Tampa for are due after .
Where can I check the figures for The Bank of Tampa?
In the FDIC BankFind Suite record for certificate 21031, and in the Call Reports of The Bank of Tampa (RSSD ID 273336) at the FFIEC Central Data Repository.