Florida Capital Bank, N.A.
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.4 has resulted in Good (5.1) profitability.
Other Rating Factors:
Excellent current capitalization (7.4 on a scale of 0 to 10) based on a risk-based capital ratio of 16.0 and a capital leverage ratio of 9.3. A current level of 2.9 percent of nonperforming loans to core capital combined with 1.8 percent from a year earlier contributes to the Good asset quality (6.9).
Asset Mix:
Comm re (31%), home mtgs (31%), cash (16%), comm loans (6%), securities (2%), home eq lns (2%), other (12%)
States with Branches:
FL
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Florida Capital Group, Inc.
Investment Rating
--
Address
Building 100
Jacksonville, FL 32256
Jacksonville, FL 32256
Phone Number
(904) 407-4740
Year Founded
1985
FDIC Number
Largest Affiliates
No affiliate information available.