Floridian Community Bank, Inc.

Headquarters

5599 South University Drive
Davie, FL 33328
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.80% →
2-Year CD N.A. 0.80% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Floridian Community Bank, Inc. is an FDIC insured institution located in Davie, FL. It was founded in 2003 and has approximately $0.53 billion in assets. Customers can open an account at one of its 5 branches.

FDIC Insured Yes
FDIC Certificate # 57382
Date Established 2003
Assets $ 545.12 million
Loans $ 430.95 million
Deposits $ 402.60 million
Capital $ 47.29 million
 

For a more detailed analysis of Floridian Community Bank, Inc.'s financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - September 23, 2021

Your Current Location: California, CA 92111

 

Loan Rates - September 23, 2021

Your Current Location: California, CA 92111

There are currently no loan rates available for Floridian Community Bank, Inc.

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




Featured - California 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Payment
Learn More
Morty, Inc.
NMLS ID: 1429243
2.654% 2.625%
0.38 points
$960 fees
$1,005 Learn More

Featured - California Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
BMO Harris Bank
BMO Harris Bank
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Intro APR 1.790 %
After Intro: 4.840 %
Intro Period: 6 months
$0 Learn More
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Third Federal Savings and Loan
Third Federal Savings and Loan
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2.240 %
$0 Learn More
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Note to Floridian Community Bank, Inc.
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Branches

Floridian Community Bank, Inc. 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:
San Diego,California


Floridian Community Bank, Inc. Locations


Financial Details

Floridian Community Bank, Inc. Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Floridian Community Bank, Inc.. 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
Floridian Community Bank, Inc. U.S. Bank Average
2.87% 5.29%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its 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 March 31, 2021, Floridian Community Bank, Inc. had $1,255,000 in non-current loans and $239,000 in owned real estate. To cover these potential losses it had $47,287,000 in equity and $4,683,000 in loans loss reserves. That gives it a Texas Ratio of 2.87%.

Return on Equity
Floridian Community Bank, Inc. U.S. Bank Average
7.12% 11.43%

Floridian Community Bank, Inc. has a Return on Equity of 7.12% versus the BestCashCow average of 11.43%. 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
Floridian Community Bank, Inc. U.S. Bank Average
8.67% 11.51%

Floridian Community Bank, Inc. has a Capitalization of 8.67% versus the BestCashCow average of 11.51. 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.

Floridian Community Bank, Inc. Balance Sheet Analysis

As of December 31, 2017, Floridian Community Bank, Inc. had assets of $528,127,000, loans of $430,945,000, and deposits of $402,603,000. 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.

Summary Balance Sheet

March 31, 2021
ASSETS
Cash & Balances due from depository institutions $ 34.39 million
Interest-bearing balances $ 32.59 million
Total securities $ 42.84 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 430.95 million
Loan loss allowance $ 4.68 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.24 million
Goodwill and other intangibles N.A.
All other assets $ 16.76 million
     Total Assets $ 480.84 million
LIABILITIES
Total deposits $ 402.60 million
      Interest-bearing deposits $ 325.46 million
      Deposits held in domestic offices $ 402.60 million
      % insured (estimated) 71.80%
Federal funds purchased and repurchase agreements $ 1.82 million
Trading liabilities N.A.
Other borrowed funds $ 72.00 million
Subordinated debt N.A.
All other liabilities $ 4.42 million
      Total Liabilities $ 480.84 million
      Shareholders’ Equity $ 64.28 million

Summary Income Statement

March 31, 2021
INCOME AND EXPENSES
Total Interest Income $ 23.13 million
Total Interest Expense $ 4.30 million
Net interest income $ 18.83 million
Provision for loan and lease losses $ 0.90 million
Total non interest income $ 0.99 million
Total non interest expense $ 12.87 million
Pre-tax Net Operating Income $ 6.06 million

Bank Loan Profile?

The top three loan types in Floridian Community Bank, Inc.’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks, Floridian Community Bank, Inc.’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 31.56
Multifamily
Mortgages
1.10
Credit Card Loans 0.00
Consumer Auto Loans 0.04
Small Business Loans 4.24
Construction and Development Loans 10.33
Commercial Real Estate 41.87
Commercial and Industrial Loans 11.79
Farm Loans 0.00

Frequently Asked Questions About Floridian Community Bank, Inc.

Branches and Savings

Is Floridian Community Bank, Inc. FDIC insured?

Yes. It is covered under FDIC Certificate #57382.

Why does Floridian Community Bank, Inc. pay such low interest on savings accounts?

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

Why are Floridian Community Bank, Inc. CD rates not competitive?

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

Is Floridian Community Bank, Inc. a commercial bank?

Yes

Where are Floridian Community Bank, Inc. locations?

See branch locations nearby.

Is Floridian Community Bank, Inc. open on Saturdays?

Is Floridian Community Bank, Inc. open on Sundays?

What time does Floridian Community Bank, Inc. open?

What time does Floridian Community Bank, Inc. close?

Are Floridian Community Bank, Inc. ATMs Open 24/7?

Do Floridian Community Bank, Inc. ATMs accept cash deposits?

Can Floridian Community Bank, Inc. customers use other ATMs?

Do Floridian Community Bank, Inc. branches have notaries?

Will Floridian Community Bank, Inc. notarize my document?

What address for Floridian Community Bank, Inc. should I put for incoming ACH transfers?

Will the Floridian Community Bank, Inc. branch print checks?

Do Floridian Community Bank, Inc. checks expire?

Does Floridian Community Bank, Inc. require US citizenship to open account?

Can Floridian Community Bank, Inc. close my account?

Does Floridian Community Bank, Inc. Report to credit bureaus?

Does Floridian Community Bank, Inc. Use Equifax?

What is Floridian Community Bank, Inc.'s ACH Routing Number?

What is Floridian Community Bank, Inc.'s SWIFT code?

Products

Does Floridian Community Bank, Inc. offer mortgages?

Compare mortgage rates here.

Does Floridian Community Bank, Inc. offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Floridian Community Bank, Inc. offer personal loans?

Compare personal loan rates here.

Does Floridian Community Bank, Inc. offer student loans?

Will Floridian Community Bank, Inc. cash a check?

Will Floridian Community Bank, Inc. redeem a savings bond?

Does Floridian Community Bank, Inc. cash savings bonds?

Will Floridian Community Bank, Inc. cash money orders?

Can Floridian Community Bank, Inc. issue a money order?

Does Floridian Community Bank, Inc. do currency exchange?

Background on The Bank

Who owns Floridian Community Bank, Inc.?

How long has Floridian Community Bank, Inc. been around?

Can Floridian Community Bank, Inc. transfer to other banks?

Does Floridian Community Bank, Inc. have quick pay?

Does Floridian Community Bank, Inc. accept rolled coins?

Will Floridian Community Bank, Inc. accept loose change?

Where is Floridian Community Bank, Inc. headquarters?

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