Total Assets
$827M
Total balance-sheet footings
2026 data FDIC sourced Public-data reference.
Winter Park National Bank — FDIC Bank Health Profile
Winter Park, Florida · Est. 2017. 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 #59105 Atlanta Region
F
Health grade
At Risk
Score: 25/100
Basel III capital ratios — Winter Park National Bank
Total Deposits
$771M
Customer-funded liabilities
Net Loans
—
Outstanding loan book
Net Income
$13M
Bottom-line earnings
Safety Metrics
Tier 1 Capital Ratio
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
—
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
—
Equity Capital
Tangible book value as a capital buffer
$53M
Profitability Metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1%
2.10%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
35.79%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
—
FDIC Deposit Insurance
Winter Park National Bank is FDIC-insured (Certificate #59105). 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 Winter Park National Bank
Winter Park National Bank is an FDIC-insured institution (Certificate #59105) headquartered in Winter Park, Florida, established in 2017. The bank currently holds $827M in total assets and $771M in customer deposits, with — 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, Winter Park National Bank reports a Tier 1 Capital Ratio of — and a Texas Ratio of —. Equity capital stands at $53M, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of 2.10% and a Return on Equity of 35.79%, with an Efficiency Ratio of —. The combined picture yields a PlainBankData health grade of F (25/100), 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 Winter Park National Bank 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 Winter Park National Bank (FDIC Cert #59105) — 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 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. It is headquartered in Winter Park, Florida.
Is my money safe at Winter Park National Bank? ▼
Yes. Winter Park National Bank is FDIC-insured (Certificate #59105). 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.
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.