Total Assets
$827M
Total balance-sheet footings
FDIC Cert #59105 · Winter Park, Florida · Est. 2017
Winter Park National Bank - 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.
- $827M
- Total assets
- F
- Health grade · At Risk
- 2.10%
- Return on assets
- -
- Tier 1 capital
Data updated July 2026
The verdict
Winter Park National Bank earns a PlainBankData health grade of F (25/100), with profitable at 2.10% ROA.
- #1,229
- largest of 4,313 FDIC banks by assets
- 72nd
- percentile by asset size, nationally
- 92nd
- 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 Winter Park National Bank's 25/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Winter Park National Bank's composite health score
Tier 1 Capital Ratio (N/A) 0/40
Return on Assets (ROA) (2.10%) 25/25
Texas Ratio (N/A) 0/20
Efficiency Ratio (N/A) 0/15
25 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$771M
Customer-funded liabilities
Net Loans
-
Outstanding loan book
Net Income
$13M
Bottom-line earnings
Where Winter Park National Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Winter Park National Bank's score of 25/100 falls in the highlighted band.
Winter Park National Bank'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). Winter Park National Bank's $827M falls in the highlighted band.
Profitability metrics
Return on Assets (ROA)
92nd percentile nationally
2.10%
Return on Equity (ROE)
35.79%
Efficiency Ratio
-
What the numbers say about Winter Park National Bank
Winter Park National Bank is an FDIC-insured institution (Certificate #59105) headquartered in Winter Park, Florida, established in 2017. It holds $827M in total assets - 1,229th of 4,313 FDIC-insured banks, $771M in customer deposits, and - in net loans. This bank has not yet filed a Call Report with capital-ratio detail (common for a recently chartered institution), so a safety assessment isn't available yet. That combination rolls up into a PlainBankData health grade of F (25 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Winter Park National Bank sits 38th of 83 banks headquartered in Florida by total assets, placing it in the middle tier of the state's banking landscape.
What to watch at Winter Park National Bank
Winter Park National Bank's grade of F reflects specific pressure points in the FDIC Call Report.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Winter Park National Bank 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) Winter Park National Bank (FDIC Cert #59105) - 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 Winter Park National Bank's health grade?▼
Winter Park National Bank receives a health grade of F (25/100) 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 Winter Park National Bank?▼
Winter Park National Bank holds $827M in total assets and $771M in deposits, ranking 1,229th of 4,313 FDIC-insured banks by asset size. It is headquartered in Winter Park, Florida.
Is my money safe at Winter Park National Bank?▼
Yes, deposits at Winter Park National Bank (Certificate #59105) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What to do with this
How to read Winter Park National Bank's profile as a depositor or analyst.
- Winter Park National Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Winter Park National Bank 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.