FDIC Cert #8018 · Miami, Florida · Est. 1926

Grove Bank & Trust - FDIC Bank Health Profile

A community-scale look at Grove Bank & Trust's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$1.4B
Total assets
B
Health grade · Good
0.58%
Return on assets
15.4%
Tier 1 capital

Data updated July 2026

The verdict

Grove Bank & Trust earns a PlainBankData health grade of B (78/100), with well-capitalized at 15.39% Tier 1, 0.58% ROA, 76% efficiency ratio.

#808
largest of 4,313 FDIC banks by assets
81st
percentile by asset size, nationally
15.39%
Tier 1 ratio - above the 10% well-capitalized line
19th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 8018 · FL B · 78/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-REGIONAL · BOOK-FULL

  • GRADE-B B (78/100)
  • MID-PACK #2163/4307
  • PHOTO-FINISH Century Bank of the… · MO
  • TIER1-WELL 15.4% Tier 1
  • TEXAS-CLEAN 0.0% Texas
  • ROA-THIN 0.58% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Florida: Century Bank of the Ozarks, MO (±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 Grove Bank & Trust

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

Morgan Stanley Bank,… · UT ·…100/100Bank of Iberia · MO · near78/100Century Bank of the… · MO · …78/100Farmers & Merchants… · ND · …78/100Grove Bank & Trust · FL · th…78/100The Neffs National B… · PA ·…78/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Grove Bank & Trust · July 2026

Call Report read for Grove Bank & Trust in a high-failure state

Grove Bank & Trust (FDIC Cert #8018) carries a PlainBankData health grade of B at 78/100, 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 #2,163 of 4,307. Tier 1 capital prints at 15.39%, clearing the 10% well-capitalized line. The Texas Ratio is 0.00%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.58%. Balance-sheet scale is $1.4B, 808th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Century Bank of the Ozarks (MO), 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 Grove Bank & Trust

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

Grove Bank & Trust 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 Grove Bank & Trust'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 Grove Bank & Trust's 78/100 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 avg77/10078/100
Grove Bank & Trust's composite health score
Tier 1 Capital Ratio (15.39%) 40/40
Return on Assets (ROA) (0.58%) 14/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (76.37%) 4/15

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

Balance sheet at a glance

Total Assets

$1.4B

Total balance-sheet footings

Total Deposits

$1.2B

Customer-funded liabilities

Net Loans

$808M

Outstanding loan book

Net Income

$8M

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.) 13.99% 15.39% 16.79%
Basel III capital ratios - Grove Bank & Trust

Where Grove Bank & Trust ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Grove Bank & Trust's score of 78/100 falls in the highlighted band.

Grove Bank & Trust: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

78 Top 50% higher than 50% 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%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Grove Bank & Trust 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

Grove Bank & Trust'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). Grove Bank & Trust's $1.4B falls in the highlighted band.

Capital & credit buffers at Grove Bank & Trust

Tier 1 capital ratio
Well-capitalized 10%

15.39% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
15.39%
Texas Ratio
0.00%
Equity Capital
$134M

What these ratios mean →

Profitability metrics: Grove Bank & Trust

Return on Assets (ROA)
19th percentile nationally
0.58%
Return on Equity (ROE)
6.07%
Efficiency Ratio
76.37%

What these mean →

Income & expense at Grove Bank & Trust

$63M
Interest Income
$12M
Non-Interest Income
$34M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Grove Bank & Trust 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.

FDIC Failed Bank List → View Grove Bank & Trust 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.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($1.4B here), outside Florida so the neighborhood is not state containment.

Benchmark Community Bank $1.4B · VA Fortis Bank $1.4B · CO Marquette Savings Bank $1.4B · PA First American Bank and Trust $1.4B · LA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Grove Bank & Trust (FDIC Cert #8018) - 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.

Grove Bank & Trust 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%
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%