Total Assets
$287M
Total balance-sheet footings
FDIC Cert #58644 · Maitland, Florida · Est. 2008
First Colony Bank of Florida - FDIC Bank Health Profile
A community-scale look at First Colony Bank of Florida's own numbers, pulled straight from its quarterly FDIC Call Report.
- $287M
- Total assets
- A
- Health grade · Excellent
- 1.95%
- Return on assets
- 13.5%
- Tier 1 capital
Data updated July 2026
The verdict
First Colony Bank of Florida earns a PlainBankData health grade of A (95/100), with well-capitalized at 13.50% Tier 1, profitable at 1.95% ROA, efficient (47% cost ratio).
- #2,560
- largest of 4,313 FDIC banks by assets
- 41st
- percentile by asset size, nationally
- 13.50%
- Tier 1 ratio - above the 10% well-capitalized line
- 90th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How First Colony Bank of Florida's 95/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First Colony Bank of Florida's composite health score
Tier 1 Capital Ratio (13.50%) 35/40
Return on Assets (ROA) (1.95%) 25/25
Texas Ratio (1.17%) 20/20
Efficiency Ratio (47.05%) 15/15
95 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$259M
Customer-funded liabilities
Net Loans
$188M
Outstanding loan book
Net Income
$6M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First Colony Bank of Florida ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First Colony Bank of Florida's score of 95/100 falls in the highlighted band.
First Colony 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). First Colony Bank of Florida's $287M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
13.50% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
13.50%
Texas Ratio
1.17%
Equity Capital
$26M
Profitability metrics
Return on Assets (ROA)
90th percentile nationally
1.95%
Return on Equity (ROE)
22.91%
Efficiency Ratio
47.05%
What the numbers say about First Colony Bank of Florida
First Colony Bank of Florida is an FDIC-insured institution (Certificate #58644) headquartered in Maitland, Florida, established in 2008. It holds $287M in total assets - 2,560th of 4,313 FDIC-insured banks, $259M in customer deposits, and $188M in net loans. On safety, its Tier 1 capital ratio of 13.50% is above the 10% well-capitalized threshold, and its Texas Ratio of 1.17% sits in the healthy range below 50%. It earns a PlainBankData health grade of A (95/100), 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.
Within Florida, First Colony Bank of Florida ranks 63rd of 83 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$16M
Interest Income
$334K
Non-Interest Income
$5M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First Colony Bank of Florida reports a Texas Ratio of 1.17% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
1.17% - 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) First Colony Bank of Florida (FDIC Cert #58644) - 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 First Colony Bank of Florida's health grade?▼
First Colony Bank of Florida receives a health grade of A (95/100) 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 First Colony Bank of Florida?▼
First Colony Bank of Florida holds $287M in total assets and $259M in deposits, ranking 2,560th of 4,313 FDIC-insured banks by asset size. It is headquartered in Maitland, Florida.
Is my money safe at First Colony Bank of Florida?▼
Yes, deposits at First Colony Bank of Florida (Certificate #58644) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First Colony Bank of Florida's Tier 1 Capital Ratio?▼
First Colony Bank of Florida has a Tier 1 Capital Ratio of 13.50%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for First Colony Bank of Florida?▼
First Colony Bank of Florida has a Texas Ratio of 1.17%. 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 First Colony Bank of Florida?▼
First Colony Bank of Florida has an Efficiency Ratio of 47.05%. 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 First Colony Bank of Florida's profile as a depositor or analyst.
- First Colony Bank of Florida's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First Colony 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.