Total Assets
$1.6B
Total balance-sheet footings
FDIC Cert #59257 · Saint Petersburg, Florida · Est. 2021
Climate First Bank - FDIC Bank Health Profile
A community-scale look at Climate First Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $1.6B
- Total assets
- C
- Health grade · Fair
- 0.94%
- Return on assets
- 9.4%
- Tier 1 capital
Data updated July 2026
The verdict
Climate First Bank earns a PlainBankData health grade of C (64/100), with 9.37% Tier 1 capital, 0.94% ROA, efficient (53% cost ratio).
- #686
- largest of 4,313 FDIC banks by assets
- 84th
- percentile by asset size, nationally
- 9.37%
- Tier 1 ratio - below 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 Climate First Bank's 64/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Climate First Bank's composite health score
Tier 1 Capital Ratio (9.37%) 18/40
Return on Assets (ROA) (0.94%) 14/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (52.82%) 12/15
64 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$1.4B
Customer-funded liabilities
Net Loans
$1.4B
Outstanding loan book
Net Income
$12M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Climate First Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Climate First Bank's score of 64/100 falls in the highlighted band.
Climate First Bank'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). Climate First Bank's $1.6B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.37% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.37%
Texas Ratio
0.00%
Equity Capital
$143M
Profitability metrics
Return on Assets (ROA)
39th percentile nationally
0.94%
Return on Equity (ROE)
10.57%
Efficiency Ratio
52.82%
What the numbers say about Climate First Bank
Climate First Bank is an FDIC-insured institution (Certificate #59257) headquartered in Saint Petersburg, Florida, established in 2021. It holds $1.6B in total assets - 686th of 4,313 FDIC-insured banks, $1.4B in customer deposits, and $1.4B in net loans. Its capital position: a Tier 1 ratio of 9.37%, missing the 10% federal well-capitalized bar, alongside a Texas Ratio of 0.00% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of C (64 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Climate First Bank sits 21st of 83 banks headquartered in Florida by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$85M
Interest Income
$5M
Non-Interest Income
$25M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Climate First Bank reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Florida by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Climate First Bank (FDIC Cert #59257) - 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% |
| City National Bank of FloridaMiami | $28.0B | A | 0.96% |
| 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% |
Frequently asked questions
What is Climate First Bank's health grade?▼
Climate First Bank receives a health grade of C (64/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Climate First Bank?▼
Climate First Bank holds $1.6B in total assets and $1.4B in deposits, ranking 686th of 4,313 FDIC-insured banks by asset size. It is headquartered in Saint Petersburg, Florida.
Is my money safe at Climate First Bank?▼
Yes, deposits at Climate First Bank (Certificate #59257) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Climate First Bank's Tier 1 Capital Ratio?▼
Climate First Bank has a Tier 1 Capital Ratio of 9.37%. Regulators set the "well-capitalized" bar at 10%; this bank still clears the lower 6% "adequately capitalized" minimum.
What is the Texas Ratio for Climate First Bank?▼
Climate First Bank has a Texas Ratio of 0.00%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Climate First Bank?▼
Climate First Bank has an Efficiency Ratio of 52.82%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Climate First Bank's profile as a depositor or analyst.
- Climate First Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Climate First Bank 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.