Total Assets
$35M
Total balance-sheet footings
FDIC Cert #57470 · Tampa, Florida · Est. 2003
Members Trust Company - FDIC Bank Health Profile
This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.
- $35M
- Total assets
- C
- Health grade · Fair
- -6.15%
- Return on assets
- 86.4%
- Tier 1 capital
Data updated July 2026
The verdict
Members Trust Company earns a PlainBankData health grade of C (60/100), with well-capitalized at 86.43% Tier 1, -6.15% ROA, 109% efficiency ratio.
- #4,217
- largest of 4,313 FDIC banks by assets
- 2nd
- percentile by asset size, nationally
- 86.43%
- Tier 1 ratio - above the 10% well-capitalized line
- 0th
- percentile for profitability (ROA), nationally
A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.
How Members Trust Company's 60/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Members Trust Company's composite health score
Tier 1 Capital Ratio (86.43%) 40/40
Return on Assets (ROA) (-6.15%) 0/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (109.10%) 0/15
60 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$500K
Customer-funded liabilities
Net Loans
-
Outstanding loan book
Net Income
$-2,248K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Members Trust Company ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Members Trust Company's score of 60/100 falls in the highlighted band.
Members Trust Company'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). Members Trust Company's $35M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
86.43% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
86.43%
Texas Ratio
0.00%
Equity Capital
$29M
Profitability metrics
Return on Assets (ROA)
0th percentile nationally
-6.15%
Return on Equity (ROE)
-7.51%
Efficiency Ratio
109.10%
What the numbers say about Members Trust Company
Members Trust Company is an FDIC-insured institution (Certificate #57470) headquartered in Tampa, Florida, established in 2003. It holds $35M in total assets - 4,217th of 4,313 FDIC-insured banks, $500K in customer deposits, and - in net loans. On safety, its Tier 1 capital ratio of 86.43% is above the 10% well-capitalized threshold, and its Texas Ratio of 0.00% sits in the healthy range below 50%. It earns a PlainBankData health grade of C (60/100), 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.
By assets, Members Trust Company ranks 82nd of 83 banks based in Florida -- squarely in the community-bank tier. Size alone doesn't determine a bank's local importance; a bank this size often has deeper, longer-standing relationships with the specific businesses and depositors it serves than a much larger institution would.
Income & expense breakdown
$1M
Interest Income
$30M
Non-Interest Income
$35M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Members Trust Company 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.
What to watch at Members Trust Company
Members Trust Company's grade of C reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-2,248K for the period, a loss that, if sustained, erodes the equity cushion.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Members Trust Company up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.
Top banks in Florida by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Members Trust Company (FDIC Cert #57470) - 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 Members Trust Company's health grade?▼
Members Trust Company receives a health grade of C (60/100) 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 Members Trust Company?▼
Members Trust Company holds $35M in total assets and $500K in deposits, ranking 4,217th of 4,313 FDIC-insured banks by asset size. It is headquartered in Tampa, Florida.
Is my money safe at Members Trust Company?▼
Yes, deposits at Members Trust Company (Certificate #57470) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Members Trust Company's Tier 1 Capital Ratio?▼
Members Trust Company has a Tier 1 Capital Ratio of 86.43%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Members Trust Company?▼
Members Trust Company has a Texas Ratio of 0.00%. 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 Members Trust Company?▼
Members Trust Company has an Efficiency Ratio of 109.10%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Members Trust Company's profile as a depositor or analyst.
- Members Trust Company's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Members Trust Company 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.