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Overview / Commentary
320 Highway 41 South
Inverness, FL 34450

BRANNEN BANK is headquartered in Inverness and is the 58th largest bank in the state of Florida. It is also the 1,627th largest bank in the nation. It was established in 1926 and as of December of 2013, it had grown to 122 employees at 12 locations. BRANNEN BANK has a C+ health rating.

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Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 BRANNEN BANK had $9.43 million in non-current loans and owned real-estate with $32.15 million in equity and loan loss allowances on hand to cover it. This gives BRANNEN BANK a Texas Ratio of 29.32% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for BRANNEN BANK experienced no significant changes from 25.41% as of December 31, 2012 to 29.32% as of December 31, 2013, resulting in a negative change of 15.36%. This indicates that the balance sheet and financial strength for BRANNEN BANK has had no significant changes in recent periods.

Deposit Growth


In the past year, BRANNEN BANK has increased its total deposits by $13.3 million, resulting in 3.62% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth BRANNEN BANK has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. BRANNEN BANK has $410.19 million in assets with $32.15 million in equity, resulting in a capitalization level of 7.84%, which is below average.

Institution Statistics

FDIC Certificate #5676
Year Established1926
Primary RegulatorFDIC
Assets and Liabilities
Assets$410.19 million
Loans$196.09 million
Deposits$380.56 million
Equity Capital$29.49 million
Loan Loss Allowance$2.66 million
Unbacked Noncurrent Loans$6.97 million
Real Estate Owned$2.46 million
Historic Data - December 2012
Assets$408.03 million
Equity Capital$40.19 million
Loan Loss Allowance$2.97 million
Unbacked Noncurrent Loans$6.97 million
Real Estate Owned$4.18 million
Profit Margin - Quarterly
Net Interest Margin3.32%
Return on Assets1.06%
Return on Equity12.27%
Interest Income$13.26 million

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BRANNEN BANK has 12 locations. Click to view all BRANNEN BANK locations.