Total Assets
$287M
Total balance-sheet footings
2026 data FDIC sourced Public-data reference.
First National Bank of Pasco — FDIC Bank Health Profile
Dade City, Florida · Est. 1986. Free, sourced from the FDIC BankFind Suite — refreshed each quarter and cross-checked against the FDIC Call Report.
Nationally chartered (OCC) National Bank FDIC Cert #26829 Atlanta Region
F
Health grade
At Risk
Score: 7/100
Basel III capital ratios — First National Bank of Pasco
Total Deposits
$241M
Customer-funded liabilities
Net Loans
$183M
Outstanding loan book
Net Income
$254K
Bottom-line earnings
Safety Metrics
Tier 1 capital ratio
Well-capitalized 10%
0.00% of risk-weighted assets — below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
0.00%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
—
Equity Capital
Tangible book value as a capital buffer
$20M
Profitability Metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1%
0.08%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
1.38%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
96.73%
Income & Expense Breakdown
$17M
Interest Income
$2M
Non-Interest Income
$12M
Non-Interest Expense
FDIC Deposit Insurance
First National Bank of Pasco is FDIC-insured (Certificate #26829). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
What the Numbers Say About First National Bank of Pasco
First National Bank of Pasco is an FDIC-insured institution (Certificate #26829) headquartered in Dade City, Florida, established in 1986. The bank currently holds $287M in total assets and $241M in customer deposits, with $183M deployed as loans. It operates as a Nationally chartered (OCC) (National Bank) within the FDIC Atlanta region. These figures come directly from the bank's quarterly FDIC Call Report and reflect the balance sheet as of the latest regulatory filing.
On safety metrics, First National Bank of Pasco reports a Tier 1 Capital Ratio of 0.00% — below the 6% "adequately capitalized" minimum set by federal regulators and a Texas Ratio of —. Equity capital stands at $20M, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of 0.08% and a Return on Equity of 1.38%, with an Efficiency Ratio of 96.73% — above the 60% benchmark, meaning a larger share of revenue is consumed by operating costs. The combined picture yields a PlainBankData health grade of F (7/100), a composite score that blends all four dimensions.
Not financial advice. This page summarizes public FDIC Call Report data for informational purposes only. Health grades are our interpretation of regulatory filings and are not official FDIC ratings, endorsements, or predictions. Regardless of grade, every dollar on deposit at First National Bank of Pasco is protected by FDIC insurance up to $250,000 per depositor, per ownership category — even if the bank were to fail. For decisions about where to hold deposits, consult a qualified financial professional and verify the latest figures directly at the FDIC's BankFind Suite.
Top 5 banks in Florida by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) + CRA performance data First National Bank of Pasco (FDIC Cert #26829) — Tier 1 capital ratio, total assets, deposits, CRA rating · 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 Association Winter Haven | $67.2B | B | 1.40% |
| EverBank, National Association Jacksonville | $46.0B | C | 0.72% |
| Raymond James Bank Saint Petersburg | $43.4B | B | 1.47% |
| BankUnited, National Association Miami Lakes | $35.0B | C | 0.89% |
| City National Bank of Florida Miami | $28.0B | C | 0.96% |
| Seacoast National Bank Stuart | $20.8B | C | 0.91% |
| Amerant Bank, National Association Coral Gables | $9.8B | C | 0.64% |
| Ocean Bank Miami | $7.4B | C | 0.92% |
Frequently Asked Questions
What is First National Bank of Pasco's health grade? ▼
First National Bank of Pasco receives a health grade of F (7/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank has significant financial challenges. All deposits remain FDIC-insured up to $250,000.
How large is First National Bank of Pasco? ▼
First National Bank of Pasco holds $287M in total assets and $241M in deposits. It is headquartered in Dade City, Florida.
Is my money safe at First National Bank of Pasco? ▼
Yes. First National Bank of Pasco is FDIC-insured (Certificate #26829). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
What is First National Bank of Pasco's Tier 1 Capital Ratio? ▼
First National Bank of Pasco has a Tier 1 Capital Ratio of 0.00%. The federal "well-capitalized" threshold is 10%. This bank is below the 6% minimum for "adequately capitalized" status.
How efficient is First National Bank of Pasco? ▼
First National Bank of Pasco has an Efficiency Ratio of 96.73%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
Bank Safety Guides
Related Data Sources
Data from the FDIC BankFind Suite API. Financial data as of Q4 2025.
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the FDIC BankFind Suite. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.