Total Assets
$28.0B
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$21.9B
Customer-funded liabilities
Net Loans
$19.6B
Outstanding loan book
Net Income
$261M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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.
Safety metrics
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
Profitability metrics
Return on Assets (ROA)
39th percentile nationally
0.96%
Return on Equity (ROE)
9.62%
Efficiency Ratio
48.16%
What the numbers say about City National Bank of Florida
City National Bank of Florida is an FDIC-insured institution (Certificate #20234) headquartered in Miami, Florida, established in 1970. It holds $28.0B in total assets - 74th of 4,313 FDIC-insured banks, $21.9B in customer deposits, and $19.6B in net loans. Looking at capital strength, Tier 1 stands at 14.38%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 5.98%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (80/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
City National Bank of Florida's asset base places it among the largest FDIC-insured institutions in the country, 74th of 4,313 nationally, and 5th of 83 banks headquartered in Florida. Only BankUnited ($35.0B) is larger within the state. At this scale, the bank's own capital and asset-quality trends are a meaningful signal for the regional banking sector, not just its own depositors.
Income & expense breakdown
$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.
Top banks in Florida by total assets
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.
| Bank | State | Assets | ROA | Efficiency | Tier 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% |
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.
Other banks in Florida
All Florida banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is City National Bank of Florida's health grade?▼
City National Bank of Florida receives a health grade of A (80/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is City National Bank of Florida?▼
City National Bank of Florida holds $28.0B in total assets and $21.9B in deposits, ranking 74th of 4,313 FDIC-insured banks by asset size. It is headquartered in Miami, Florida.
Is my money safe at City National Bank of Florida?▼
Yes, deposits at City National Bank of Florida (Certificate #20234) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is City National Bank of Florida's Tier 1 Capital Ratio?▼
City National Bank of Florida has a Tier 1 Capital Ratio of 14.38%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for City National Bank of Florida?▼
City National Bank of Florida has a Texas Ratio of 5.98%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is City National Bank of Florida?▼
City National Bank of Florida has an Efficiency Ratio of 48.16%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read City National Bank of Florida's profile as a depositor or analyst.
- City National Bank of Florida's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare City National Bank of Florida against other Florida banks before moving funds. Florida banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.