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Overview / Commentary
100 5th Street South
Saint Petersburg, FL 33701

C1 Bank is headquartered in Saint Petersburg and is the 20th largest bank in the state of Florida. It is also the 482nd largest bank in the nation. It was established in 1995 and as of March of 2014, it had grown to 215 employees at 31 locations. C1 Bank has a B health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 C1 Bank had $60.36 million in non-current loans and owned real-estate with $140.54 million in equity and loan loss allowances on hand to cover it. This gives C1 Bank a Texas Ratio of 42.95% 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 C1 Bank experienced no significant changes from 40.41% as of March 31, 2013 to 42.95% as of March 31, 2014, resulting in a negative change of 6.28%. This indicates that the balance sheet and financial strength for C1 Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, C1 Bank has increased its total deposits by $322.72 million, resulting in 40.72% 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 C1 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. C1 Bank has $1.41 billion in assets with $140.54 million in equity, resulting in a capitalization level of 9.95%, which is above average.

Institution Statistics

FDIC Certificate #34092
Year Established1995
Primary RegulatorFDIC
Assets and Liabilities
Assets$1.41 billion
Loans$1.04 billion
Deposits$1.12 billion
Equity Capital$136.92 million
Loan Loss Allowance$3.63 million
Unbacked Noncurrent Loans$22.12 million
Real Estate Owned$38.24 million
Historic Data - March 2013
Assets$969.57 million
Equity Capital$97.15 million
Loan Loss Allowance$2.99 million
Unbacked Noncurrent Loans$22.12 million
Real Estate Owned$20.53 million
Profit Margin - Quarterly
Net Interest Margin4.29%
Return on Assets0.74%
Return on Equity7.81%
Interest Income$15.10 million

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C1 Bank has 22 locations. Click to view all C1 Bank locations.