1st National Bank of South Florida

1550 North Krome Avenue
Homestead, FL 33030

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 3564
Date Established 1932
Assets $0.33 billion
Loans $0.21 billion
Deposits $0.27 billion
Capital $0.03 billion

1st National Bank of South Florida is an FDIC insured institution located in Homestead, FL. It was founded in 1932 and has approximately $0.33 billion in assets. Customers can open an account at one of its 3 branches.

For a more detailed analysis of 1st National Bank of South Florida's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in 1st National Bank of South Florida’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Small Business Loans.

Compared to other banks, 1st National Bank of South Florida’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 39.59
Multifamily
Mortgages
2.16
Credit Card Loans 0.00
Consumer Auto Loans 0.04
Small Business Loans 17.18
Construction and Development Loans 5.00
Commercial Real Estate 47.84
Commercial and Industrial Loans 1.23
Farm Loans 0.00

Savings Rates

Your Current Location: Virginia, VA 20146

There are currently no rates available for 1st National Bank Of South Florida, but see these great savings and CD rates:


Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for 1st National Bank of South Florida

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2017

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
4.248% 4.180% 0.50 $2,049 $1,220 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.248% 4.180% 0.50 $2,049 $1,220 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2017

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.240% $217.33 Learn More

Note to 1st National Bank of South Florida
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Branches

1st National Bank of South Florida branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


1st National Bank Of South Florida Locations

Financial Details

1st National Bank of South Florida Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of 1st National Bank of South Florida. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
1st National Bank of South Florida U.S. Bank Average
17.8% 8.45

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2017, 1st National Bank of South Florida had $797,000 in non-current loans and $5,132,000 in owned real estate. To cover these potential losses it had $31,131,000 in equity and $2,172,000 in loans loss reserves. That gives it a Texas Ratio of 17.8%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
1st National Bank of South Florida U.S. Bank Average
7.88% 8.58

1st National Bank of South Florida has a Return on Equity of 7.88% versus the BestCashCow average of 8.58. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
1st National Bank of South Florida U.S. Bank Average
9.4% 12.11

1st National Bank of South Florida has a Capitalization of 9.4% versus the BestCashCow average of 12.11. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

1st National Bank of South Florida Balance Sheet Analysis

As of March 31, 2015, 1st National Bank of South Florida had assets of $330,692,000, loans of $208,823,000, and deposits of $268,799,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Frequently Asked Questions About 1st National Bank of South Florida

Branches and Savings

Is 1st National Bank of South Florida FDIC insured?

Yes. It is covered under FDIC Certificate #3564.

Why does 1st National Bank of South Florida pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are 1st National Bank of South Florida CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is 1st National Bank of South Florida a commercial bank?

Yes

Where are 1st National Bank of South Florida locations?

See branch locations nearby.

Is 1st National Bank of South Florida open on Saturdays?

Is 1st National Bank of South Florida open on Sundays?

What time does 1st National Bank of South Florida open?

What time does 1st National Bank of South Florida close?

Are 1st National Bank of South Florida ATMs Open 24/7?

Do 1st National Bank of South Florida ATMs accept cash deposits?

Can 1st National Bank of South Florida customers use other ATMs?

Do 1st National Bank of South Florida branches have notaries?

Will 1st National Bank of South Florida notarize my document?

What address for 1st National Bank of South Florida should I put for incoming ACH transfers?

Will the 1st National Bank of South Florida branch print checks?

Do 1st National Bank of South Florida checks expire?

Does 1st National Bank of South Florida require US citizenship to open account?

Can 1st National Bank of South Florida close my account?

Does 1st National Bank of South Florida Report to credit bureaus?

Does 1st National Bank of South Florida Use Equifax?

What is 1st National Bank of South Florida's ACH Routing Number?

What is 1st National Bank of South Florida's SWIFT code?

Products

Does 1st National Bank of South Florida offer mortgages?

Compare mortgage rates here.

Does 1st National Bank of South Florida offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does 1st National Bank of South Florida offer personal loans?

Compare personal loan rates here.

Does 1st National Bank of South Florida offer student loans?

Will 1st National Bank of South Florida cash a check?

Will 1st National Bank of South Florida redeem a savings bond?

Does 1st National Bank of South Florida cash savings bonds?

Will 1st National Bank of South Florida cash money orders?

Can 1st National Bank of South Florida issue a money order?

Does 1st National Bank of South Florida do currency exchange?

Background on The Bank

Who owns 1st National Bank of South Florida?

How long has 1st National Bank of South Florida been around?

Can 1st National Bank of South Florida transfer to other banks?

Does 1st National Bank of South Florida have quick pay?

Does 1st National Bank of South Florida accept rolled coins?

Will 1st National Bank of South Florida accept loose change?

Where is 1st National Bank of South Florida headquarters?

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