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The Bank of Tampa

$1B-$10B Specialty: Commercial FL FDIC cert 21031

Designations: ✓ Community bank

Tampa, FL

13 branches across FL

884 banks in the $1B-$10B peer group nationally 27 in FL
View $1B-$10B leaderboard (FL) →

The Bank of Tampa has 3 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Non-Interest-Bearing Deposit Share 17.76% above tier average
  • + Efficiency Ratio 2.95% below tier average
  • + Delinquency Rate 0.58% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 36.4% in tier
  • - ROA 0.14% below tier average
  • - Net Interest Margin 0.22% below tier average
Get updates when The Bank of Tampa releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Total Assets ? $3.1B
+1.3% YoY +4.7% QoQ
+$249.4M $2.8B
-0.1% YoY
$4.3B
+10.8% YoY
$6.2B
+9.1% YoY
71%
Total Loans ? $1.9B
+7.0% YoY +1.6% QoQ
-$22.3M $2.0B
+0.6% YoY
$3.0B
+12.4% YoY
$3.2B
+10.8% YoY
66%
Total Deposits ? $2.8B
+0.4% YoY +5.3% QoQ
+$416.2M $2.3B
-0.3% YoY
$3.6B
+11.7% YoY
$4.8B
+8.2% YoY
74%
Return on Assets ? 1.22%
+10.1% YoY +2.4% QoQ
-0.14% 1.37%
+19.6% YoY
0.83%
+61.5% YoY
1.23%
+13.4% YoY
50%
Net Interest Margin ? 3.60%
+6.2% YoY -1.6% QoQ
-0.22% 3.82%
+6.9% YoY
3.75%
+4.2% YoY
3.89%
+5.7% YoY
47%
Efficiency Ratio ? 58.11%
-2.9% YoY +3.2% QoQ
-2.95% 61.06%
-4.6% YoY
71.93%
-25.2% YoY
66.95%
-4.1% YoY
55%
Delinquency Rate ? 0.31%
+85.7% YoY +72.1% QoQ
-0.58% 0.89%
+14.1% YoY
0.63%
-5.7% YoY
0.95%
+18.8% YoY
69%
Loan-to-Deposit Ratio ? 70.40%
+6.6% YoY -3.5% QoQ
-13.81% 84.20%
+0.3% YoY
73.79%
+1.2% YoY
76.70%
+0.9% YoY
83%
Non-Interest-Bearing Deposit Share ? 39.05%
-3.2% YoY +1.8% QoQ
+17.76% 21.29%
-2.5% YoY
27.22%
-2.5% YoY
22.01%
-1.2% YoY
Top 5.2% in tier
Nonperforming Asset Ratio ? 0.20%
+96.1% YoY +67.0% QoQ
-0.48% 0.67%
+15.6% YoY
0.43%
-5.1% YoY
0.67%
+19.3% YoY
74%
Tier 1 Capital Ratio ? 14.81%
+2.5% YoY -0.2% QoQ
-0.35% 15.16%
+2.0% YoY
16.64%
-24.7% YoY
17.06%
+0.8% YoY
71%
Non-Interest Income / Assets ? 0.15%
-3.4% YoY -76.4% QoQ
-0.10% 0.26%
+1.6% YoY
0.50%
+7.6% YoY
0.32%
+4.1% YoY
55%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Credit Risk Growth

risk
#154 of 420 • Bottom 36.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

420 of 420 Mid-Market banks match · 1464 nationally
→ Stable -10 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 884 peers in $1B-$10B

Top Strengths (2 metrics)

47
Non-Interest-Bearing Deposit Share
funding
Value: 39.05%
Peer Median: 21.29%
#47 of 884 Top 5.2% in $1B-$10B
152
Loan-to-Deposit Ratio
liquidity
Value: 70.40%
Peer Median: 84.20%
#152 of 884 Top 17.1% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available
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