Total Assets
$362M
Total balance-sheet footings
FDIC Cert #3579 · Mount Dora, Florida · Est. 1925
The First National Bank of Mount Dora - FDIC Bank Health Profile
A community-scale look at The First National Bank of Mount Dora's own numbers, pulled straight from its quarterly FDIC Call Report.
- $362M
- Total assets
- C
- Health grade · Fair
- 0.55%
- Return on assets
- 11.7%
- Tier 1 capital
Data updated July 2026
The verdict
The First National Bank of Mount Dora earns a PlainBankData health grade of C (62/100), with well-capitalized at 11.72% Tier 1, 0.55% ROA, 87% efficiency ratio.
- #2,238
- largest of 4,313 FDIC banks by assets
- 48th
- percentile by asset size, nationally
- 11.72%
- Tier 1 ratio - above the 10% well-capitalized line
- 17th
- 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 The First National Bank of Mount Dora's 62/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The First National Bank of Mount Dora's composite health score
Tier 1 Capital Ratio (11.72%) 28/40
Return on Assets (ROA) (0.55%) 14/25
Texas Ratio (1.88%) 20/20
Efficiency Ratio (86.90%) 0/15
62 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$322M
Customer-funded liabilities
Net Loans
$132M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The First National Bank of Mount Dora ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The First National Bank of Mount Dora's score of 62/100 falls in the highlighted band.
The First National Bank of Mount Dora'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). The First National Bank of Mount Dora's $362M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.72% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.72%
Texas Ratio
1.88%
Equity Capital
$37M
Profitability metrics
Return on Assets (ROA)
17th percentile nationally
0.55%
Return on Equity (ROE)
5.94%
Efficiency Ratio
86.90%
What the numbers say about The First National Bank of Mount Dora
The First National Bank of Mount Dora is an FDIC-insured institution (Certificate #3579) headquartered in Mount Dora, Florida, established in 1925. It holds $362M in total assets - 2,238th of 4,313 FDIC-insured banks, $322M in customer deposits, and $132M in net loans. Capital-wise, the Tier 1 ratio sits at 11.72%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 1.88%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of C (62 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
The First National Bank of Mount Dora sits 55th of 83 banks headquartered in Florida by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$14M
Interest Income
$9M
Non-Interest Income
$16M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The First National Bank of Mount Dora reports a Texas Ratio of 1.88% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
1.88% - 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) The First National Bank of Mount Dora (FDIC Cert #3579) - 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 The First National Bank of Mount Dora's health grade?▼
The First National Bank of Mount Dora receives a health grade of C (62/100) 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 The First National Bank of Mount Dora?▼
The First National Bank of Mount Dora holds $362M in total assets and $322M in deposits, ranking 2,238th of 4,313 FDIC-insured banks by asset size. It is headquartered in Mount Dora, Florida.
Is my money safe at The First National Bank of Mount Dora?▼
Yes, deposits at The First National Bank of Mount Dora (Certificate #3579) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The First National Bank of Mount Dora's Tier 1 Capital Ratio?▼
The First National Bank of Mount Dora has a Tier 1 Capital Ratio of 11.72%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for The First National Bank of Mount Dora?▼
The First National Bank of Mount Dora has a Texas Ratio of 1.88%. 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 The First National Bank of Mount Dora?▼
The First National Bank of Mount Dora has an Efficiency Ratio of 86.90%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The First National Bank of Mount Dora's profile as a depositor or analyst.
- The First National Bank of Mount Dora's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The First National Bank of Mount Dora 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.