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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

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 24 in FL.
  • Deposits -0.6% year over year ($2.7B on the books).
  • Delinquency rate 0.29%.
  • Return on assets 1.25%.
  • Efficiency ratio 57.96% vs a 59.73% peer average.
  • Loan-to-deposit ratio 75.67% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 24 in FL
View $1B-$10B leaderboard (FL) →

The Bank of Tampa has 3 strengths but faces 4 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 17.46% above tier average
  • + Efficiency Ratio 1.77% below tier average
  • + Delinquency Rate 0.57% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 20.1% in tier
  • - Deposit Outflow: Bottom 27.5% in tier
  • - ROA 0.14% below tier average
  • - Net Interest Margin 0.23% below tier average
Get updates when The Bank of Tampa releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Total Assets ? $3.0B
+0.6% YoY -1.3% QoQ
+$231.1M $2.8B
-0.6% YoY
$4.3B
+7.0% YoY
$6.3B
+7.7% YoY
71%
Total Loans ? $2.0B
+10.6% YoY +5.5% QoQ
+$86.6M $2.0B
-0.3% YoY
$3.0B
+8.2% YoY
$3.2B
+9.4% YoY
68%
Total Deposits ? $2.7B
-0.6% YoY -1.8% QoQ
+$390.2M $2.3B
-0.5% YoY
$3.5B
+7.0% YoY
$4.9B
+7.3% YoY
74%
Return on Assets ? 1.25%
+6.7% YoY +2.2% QoQ
-0.14% 1.39%
+17.0% YoY
0.62%
-8.3% YoY
1.30%
+12.1% YoY
49%
Net Interest Margin ? 3.64%
+4.6% YoY +1.2% QoQ
-0.23% 3.87%
+6.2% YoY
3.70%
+0.5% YoY
3.95%
+4.9% YoY
45%
Efficiency Ratio ? 57.96%
-1.2% YoY -0.3% QoQ
-1.77% 59.73%
-12.6% YoY
199.20%
+161.3% YoY
70.05%
+2.5% YoY
55%
Delinquency Rate ? 0.29%
+38.7% YoY -5.8% QoQ
-0.57% 0.87%
+11.7% YoY
0.61%
-2.0% YoY
0.98%
+16.3% YoY
69%
Loan-to-Deposit Ratio ? 75.67%
+11.3% YoY +7.5% QoQ
-9.37% 85.04%
-0.1% YoY
72.91%
-1.7% YoY
79.03%
+2.3% YoY
76%
Non-Interest-Bearing Deposit Share ? 38.73%
-4.2% YoY -0.8% QoQ
+17.46% 21.27%
-1.5% YoY
27.35%
-2.5% YoY
21.98%
-0.6% YoY
Top 5.2% in tier
Nonperforming Asset Ratio ? 0.20%
+52.5% YoY +0.8% QoQ
-0.48% 0.67%
+11.7% YoY
0.42%
-2.6% YoY
0.69%
+15.8% YoY
73%
Tier 1 Capital Ratio ? 14.52%
-0.2% YoY -2.0% QoQ
-0.32% 14.84%
-0.4% YoY
19.50%
+8.2% YoY
17.09%
+0.8% YoY
70%
Non-Interest Income / Assets ? 0.32%
+2.9% YoY +110.9% QoQ
-0.20% 0.53%
+2.5% YoY
1.02%
+6.4% YoY
0.66%
+5.2% YoY
57%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Noninterest-Bearing 38.7%
-1.7pp YoY
-0.3pp QoQ
 +17.4pp 21.4% 27.7% 22.2% 95%
Brokered Deposits n/a n/a 9.5% 8.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
C&I 18.9%
-1.4pp YoY
0.0pp QoQ
 +4.9pp 14.0% 12.9% 12.5% 78%
CRE 54.9%
+0.2pp YoY
0.0pp QoQ
 +4.9pp 50.0% 50.6% 41.4% 64%
1-4 Family 22.3%
+1.7pp YoY
-0.1pp QoQ
 -4.1pp 26.4% 30.7% 31.3% 48%
Consumer 2.5%
-0.1pp YoY
+0.3pp QoQ
 -2.2pp 4.7% 3.7% 5.0% 70%

Capital

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
CET1 Ratio 14.5%
0.0pp YoY
-0.3pp QoQ
 -1.1pp 15.6% 19.8% 19.7% 65%
Leverage Ratio 11.0%
+0.5pp YoY
+0.1pp QoQ
 -0.3pp 11.3% 13.9% 12.6% 59%
Total Capital Ratio 15.8%
0.0pp YoY
-0.3pp QoQ
 -0.9pp 16.7% 21.1% 20.8% 66%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Full-Time Employees 295
+4 (+1.4%) YoY
+10 (+3.5%) QoQ
 -19 313 295 482 64%
Assets per Employee ($) $10.3M
-0.8% YoY
-4.7% QoQ
 -$230K $10.5M $10.3M $8.8M 68%
Branch Count 13
0 YoY
0 QoQ
 -7 20 13 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp QoQ
 -0.2pp 0.2% 0.3% 0.4% 7%
Nonaccrual 0.3%
+0.1pp YoY
0.0pp QoQ
 -0.5pp 0.8% 0.7% 1.0% 31%
Allowance Coverage 4.60x
-29.4% YoY
+2.8% QoQ
 -14.11x 18.71x 16.62x 20.23x 76%
Net Charge-off Rate (YTD) 0.0%
+0.1pp YoY
0.0pp QoQ
 -0.2pp 0.3% 0.2% 0.2% 44%

Profitability

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
ROE 13.1%
-1.1pp YoY
+0.2pp QoQ
 +0.5pp 12.6% 9.3% 11.6% 58%
Cost of Funds (YTD) 1.1%
0.0pp YoY
0.0pp QoQ
 -0.9pp 1.9% 1.8% 1.7% 6%
Net Income ($, YTD) $18.8M
+6.7% YoY
— QoQ
 -$461K $19.2M $25.2M $40.4M 67%

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 (2)

Credit Quality Pressure

risk
#100 of 492 • Bottom 20.1% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.29%
(Tier: 0.87%, National: 0.98%)
better than tier avg
492 of 492 Mid-Market banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Deposit Outflow

decline
#37 of 131 • Bottom 27.5% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

131 of 131 Mid-Market banks match · 686 nationally
→ Stable +31 banks QoQ

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 885 peers in $1B-$10B

Top Strengths (2 metrics)

47
Non-Interest-Bearing Deposit Share
funding
Value: 38.73%
Peer Median: 21.27%
#47 of 885 Top 5.2% in $1B-$10B
217
Loan-to-Deposit Ratio
liquidity
Value: 75.67%
Peer Median: 85.04%
#217 of 885 Top 24.4% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available
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