C1 Bank

100 5th Street South
Saint Petersburg, FL 33701


General Bank Information

FDIC Insured Yes
FDIC Certificate # 34092
Date Established 1995
Assets $1.71 billion
Loans $1.37 billion
Deposits $1.29 billion
Capital $0.20 billion

C1 Bank is an FDIC insured institution located in Saint Petersburg, FL. It was founded in 1995 and has approximately $1.71 billion in assets.

For a more detailed analysis of C1 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 C1 Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Construction and Development Loans.

Compared to other banks in Florida, C1 Bank has a significantly higher percent of Construction and Development 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 23.30
Credit Card Loans 0.00
Consumer Auto Loans 0.04
Small Business Loans 6.94
Construction and Development Loans 16.11
Commercial Real Estate 48.72
Commercial and Industrial Loans 3.84
Farm Loans 0.01

Deposit Rates

Your Current Location: Virginia, VA 20146

There are currently no rates available for C1 Bank, but see these great savings and CD rates:

2.00% APY 12 Month CD from Synchrony Bank

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for C1 Bank

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 2018

Lender APR Rate (%) Points Fees Monthly
Learn More
Poli Mortgage Group Inc
NMLS ID: 1979
License#: MC-5501
4.125% 4.125% 0.00 $0 $1,212 Learn More
AimLoan.com NMLS#2890
NMLS ID: 2890
License#: MC-3098
3.911% 3.875% 0.00 $1,194 $1,176 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.490% $224.24 Learn More
Flagstar Bank 5.240% $275.79 Learn More

Note to C1 Bank
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C1 Bank Locations

Financial Details

C1 Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of C1 Bank. 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
C1 Bank U.S. Bank Average
34.77% 8.32%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of September 30, 2017, C1 Bank had $51,579,000 in non-current loans and $21,118,000 in owned real estate. To cover these potential losses it had $201,837,000 in equity and $7,272,000 in loans loss reserves. That gives it a Texas Ratio of 34.77%.

Return on Equity
C1 Bank U.S. Bank Average
11.18% 8.84%

C1 Bank has a Return on Equity of 11.18% versus the BestCashCow average of 8.84%. 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.

C1 Bank U.S. Bank Average
11.81% 12.21%

C1 Bank has a Capitalization of 11.81% versus the BestCashCow average of 12.21. 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.

C1 Bank Balance Sheet Analysis

As of June 30, 2016, C1 Bank had assets of $1,708,721,000, loans of $1,370,227,000, and deposits of $1,291,959,000. 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 C1 Bank

Branches and Savings

Is C1 Bank FDIC insured?

Yes. It is covered under FDIC Certificate #34092.

Why does C1 Bank pay such low interest on savings accounts?

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

Why are C1 Bank CD rates not competitive?

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

Is C1 Bank a commercial bank?


Where are C1 Bank locations?

See branch locations nearby.

Is C1 Bank open on Saturdays?

Is C1 Bank open on Sundays?

What time does C1 Bank open?

What time does C1 Bank close?

Are C1 Bank ATMs Open 24/7?

Do C1 Bank ATMs accept cash deposits?

Can C1 Bank customers use other ATMs?

Do C1 Bank branches have notaries?

Will C1 Bank notarize my document?

What address for C1 Bank should I put for incoming ACH transfers?

Will the C1 Bank branch print checks?

Do C1 Bank checks expire?

Does C1 Bank require US citizenship to open account?

Can C1 Bank close my account?

Does C1 Bank Report to credit bureaus?

Does C1 Bank Use Equifax?

What is C1 Bank's ACH Routing Number?

What is C1 Bank's SWIFT code?


Does C1 Bank offer mortgages?

Compare mortgage rates here.

Does C1 Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does C1 Bank offer personal loans?

Compare personal loan rates here.

Does C1 Bank offer student loans?

Will C1 Bank cash a check?

Will C1 Bank redeem a savings bond?

Does C1 Bank cash savings bonds?

Will C1 Bank cash money orders?

Can C1 Bank issue a money order?

Does C1 Bank do currency exchange?

Background on The Bank

Who owns C1 Bank?

How long has C1 Bank been around?

Can C1 Bank transfer to other banks?

Does C1 Bank have quick pay?

Does C1 Bank accept rolled coins?

Will C1 Bank accept loose change?

Where is C1 Bank headquarters?

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