BAC Florida Bank

169 Miracle Mile, Suite R10
Coral Gables, FL 33134

Visit BAC Florida Bank Website

BAC Florida Bank


General Bank Information

FDIC Insured Yes
FDIC Certificate # 21265
Date Established 1973
Assets $2.00 billion
Loans $1.52 billion
Deposits $1.63 billion
Capital $0.17 billion

BAC Florida Bank is an FDIC insured institution located in Coral Gables, FL. It was founded in 1973 and has approximately $2 billion in assets.

For a more detailed analysis of BAC Florida Bank'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 BAC Florida Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial and Industrial Loans, and Commercial Real Estate.

Compared to other banks in Florida, BAC Florida Bank has a significantly higher percent of 1-4 Family Residential Loans on its balance sheet, potentially indicating a specialty in that lending area.

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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 70.85
Credit Card Loans 0.06
Consumer Auto Loans 0.00
Small Business Loans 0.62
Construction and Development Loans 0.11
Commercial Real Estate 3.07
Commercial and Industrial Loans 9.43
Farm Loans 0.00

Savings Rates

Your Current Location: Virginia, VA 20146

3 Mo CD 10K
0.50% $10,000 $49,999 Learn MoreShow Less
3 Mo CD 100K
0.50% $100,000 $499,999 Learn MoreShow Less
6 Mo CD 10K
0.50% $10,000 $49,999 Learn MoreShow Less
6 Mo CD 100K
0.50% $100,000 $499,999 Learn MoreShow Less
Savings Rates APY MIN MAX
MM 2.5K
0.10% $1 $4,999 Learn MoreShow Less
MM 10K
0.10% $5,000 $24,999 Learn MoreShow Less
MM 25K
0.15% $25,000 - Learn MoreShow Less
Premium MM 10K
0.50% $1 $49,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.05% $5,000 $24,999 Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

BestCashCow tracks mortgage, home equity, and auto loan rates. In the future, we will be adding other loan products. Please contact the lender for questions about their loan products.

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Financial Details

BAC Florida Bank Ratio Analysis

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

Texas Ratio
BAC Florida Bank U.S. Bank Average
6.03% 8.87%

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 March 31, 2017, BAC Florida Bank had $7,079,000 in non-current loans and $4,114,000 in owned real estate. To cover these potential losses it had $168,656,000 in equity and $16,988,000 in loans loss reserves. That gives it a Texas Ratio of 6.03%. 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
BAC Florida Bank U.S. Bank Average
10.78% 8.39%

BAC Florida Bank has a Return on Equity of 10.78% versus the BestCashCow average of 8.39%. 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.

BAC Florida Bank U.S. Bank Average
8.45% 11.94%

BAC Florida Bank has a Capitalization of 8.45% versus the BestCashCow average of 11.94%. 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.

BAC Florida Bank Balance Sheet Analysis

As of March 31, 2017, BAC Florida Bank had assets of $1,996,652,000, loans of $1,518,578,000, and deposits of $1,627,089,000. 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.

Customer Reviews for BAC Florida Bank


    November 30, 2015


  • gene court

    February 23, 2015

    Can I open a CD account in the name of an Inter=Vivos trust account? Do we have to visit one of your banks to open the account?

  • maria jochym

    January 06, 2015

    I like to open cd where to start can

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