FDIC Cert #20234 · Miami, Florida · Est. 1970

City National Bank of Florida - FDIC Bank Health Profile

One of the largest FDIC-insured institutions in the country, drawn straight from its quarterly Call Report to BankFind Suite.

Compiled from official public sources by the publisher.
$28.0B
Total assets
A
Health grade · Excellent
0.96%
Return on assets
14.4%
Tier 1 capital

Data updated July 2026

The verdict

City National Bank of Florida earns a PlainBankData health grade of A (80/100), with well-capitalized at 14.38% Tier 1, 0.96% ROA, efficient (48% cost ratio).

#74
largest of 4,313 FDIC banks by assets
98th
percentile by asset size, nationally
14.38%
Tier 1 ratio - above the 10% well-capitalized line
39th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 20234 · FL A · 80/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-LARGE · BOOK-FULL

  • GRADE-A A (80/100)
  • MID-PACK #1913/4307
  • PHOTO-FINISH Citizens Bank of Edi… · IL
  • TIER1-WELL 14.4% Tier 1
  • TEXAS-CLEAN 6.0% Texas
  • ROA-PAR 0.96% ROA
  • SIZE-LARGE $10–100B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Florida: Citizens Bank of Edinburg, IL (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around City National Bank of Florida

Lowest and highest poles plus nearest scored peers outside Florida, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Citizens Bank of Edi… · IL ·…80/100City National Bank o… · FL ·…80/100First Westroads Bank… · NE ·…80/100Logan Bank & Trust C… · WV ·…80/100Round Top State Bank · TX · …80/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around City National Bank of Florida · July 2026

Call Report read for City National Bank of Florida in a high-failure state

City National Bank of Florida (FDIC Cert #20234) carries a PlainBankData health grade of A at 80/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,913 of 4,307. Tier 1 capital prints at 14.38%, clearing the 10% well-capitalized line. The Texas Ratio is 5.98%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.96%. Balance-sheet scale is $28.0B, 74th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Citizens Bank of Edinburg (IL), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around City National Bank of Florida

76 FAILURE resolutions in Florida since 2000, heavy vs the state corpus

City National Bank of Florida sits in one of the heavier post-2000 FAILURE states (76 resolutions; latest year 2020). The list below is state history from the Failed Bank List, not a claim about City National Bank of Florida's current Call Report.

  • FIRST CITY BANK OF FLORIDA FORT WALTON BEACH, FL 2020 → UNITED FIDELITY BANK, FSB
  • FIRST NATIONAL BANK OF CRESTVIEW CRESTVIEW, FL 2015 → FIRST NBC BANK
  • VALLEY BANK FORT LAUDERDALE, FL 2014 → LANDMARK BANK, NATIONAL ASSOCIATION

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Florida banks.

How City National Bank of Florida's 80/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10080/100
City National Bank of Florida's composite health score
Tier 1 Capital Ratio (14.38%) 35/40
Return on Assets (ROA) (0.96%) 14/25
Texas Ratio (5.98%) 16/20
Efficiency Ratio (48.16%) 15/15

80 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$28.0B

Total balance-sheet footings

Total Deposits

$21.9B

Customer-funded liabilities

Net Loans

$19.6B

Outstanding loan book

Net Income

$261M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 12.98% 14.38% 15.78%
Basel III capital ratios - City National Bank of Florida

Where City National Bank of Florida ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. City National Bank of Florida's score of 80/100 falls in the highlighted band.

City National Bank of Florida: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

80 Top 44% higher than 56% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. City National Bank of Florida 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

City National Bank of Florida's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). City National Bank of Florida's $28.0B falls in the highlighted band.

Capital & credit buffers at City National Bank of Florida

Tier 1 capital ratio
Well-capitalized 10%

14.38% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
14.38%
Texas Ratio
5.98%
Equity Capital
$2.9B

What these ratios mean →

Profitability metrics: City National Bank of Florida

Return on Assets (ROA)
39th percentile nationally
0.96%
Return on Equity (ROE)
9.62%
Efficiency Ratio
48.16%

What these mean →

Income & expense at City National Bank of Florida

$1.4B
Interest Income
$121M
Non-Interest Income
$413M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. City National Bank of Florida reports a Texas Ratio of 5.98% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

5.98% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View City National Bank of Florida on FDIC BankFind →

Top banks in Florida by total assets

Largest banks headquartered in Florida
  1. 1
    SouthState Bank $67.2B

    Winter Haven, FL · Grade A

  2. 2
    EverBank $46.0B

    Jacksonville, FL · Grade B

  3. 3
    Raymond James Bank $43.4B

    Saint Petersburg, FL · Grade A

  4. 4
    BankUnited $35.0B

    Miami Lakes, FL · Grade B

  5. 5
    City National Bank of Florida $28.0B

    Miami, FL · Grade A

Top 5 banks in Florida ranked by total assets · FDIC Call Report Q4 2025.

National size peers: banks closest to City National Bank of Florida by assets

City National Bank of Florida is closely matched in total assets by United Community Bank, Arvest Bank, WesBanco Bank, Inc., Ameris Bank across 6 states -- its real national peer set, not just banks sharing a home state. Within that asset-matched cohort, the average ROA is 1.15%, versus City National Bank of Florida's own 0.96%; the average efficiency ratio is 56.53%, versus 48.16% here; and average Tier 1 capital sits at 12.30%, versus 14.38% at City National Bank of Florida. At this asset scale, banks are best benchmarked against one another by balance-sheet composition and capital discipline, not by shared geography.

At $28.0B in assets, City National Bank of Florida has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.

Closest banks to City National Bank of Florida nationally by total assets
  1. 1
    United Community Bank $27.9B

    Greenville, SC · Grade A

  2. 2
    Arvest Bank $27.8B

    Fayetteville, AR · Grade C

  3. 3
    WesBanco Bank, Inc. $27.6B

    Wheeling, WV · Grade A

  4. 4
    Ameris Bank $27.4B

    Atlanta, GA · Grade A

  5. 5
    WaFd Bank $27.3B

    Seattle, WA · Grade B

  6. 6
    Axos Bank $27.2B

    San Diego, CA · Grade A

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 1
City National Bank of Florida (this bank) FL $28.0B 0.96% 48.16% 14.38%
United Community Bank SC $27.9B 1.19% 53.77% 12.34%
Arvest Bank AR $27.8B 0.49% 83.77% 11.41%
WesBanco Bank, Inc. WV $27.6B 0.91% 57.60% 12.06%
Ameris Bank GA $27.4B 1.64% 46.67% 13.43%
WaFd Bank WA $27.3B 0.91% 54.50% 13.44%
Axos Bank CA $27.2B 1.77% 42.85% 11.12%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($28.0B here), outside Florida so the neighborhood is not state containment.

United Community Bank $27.9B · SC Arvest Bank $27.8B · AR WesBanco Bank, Inc. $27.6B · WV Ameris Bank $27.4B · GA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) City National Bank of Florida (FDIC Cert #20234) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

City National Bank of Florida Call Report profile · FDIC Failed Bank List · Florida FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Florida

All Florida banks →
BankAssetsGradeROA
SouthState Bank, National AssociationWinter Haven $67.2B A 1.40%
EverBank, National AssociationJacksonville $46.0B B 0.72%
Raymond James BankSaint Petersburg $43.4B A 1.47%
BankUnited, National AssociationMiami Lakes $35.0B B 0.89%
Seacoast National BankStuart $20.8B A 0.91%
Amerant Bank, National AssociationCoral Gables $9.8B C 0.64%
Ocean BankMiami $7.4B B 0.92%
Emigrant BankMiami $5.8B A 1.35%