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Overview / Commentary
3105 Tamiami Trail
Punta Gorda, FL 33950

Calusa National Bank is headquartered in Punta Gorda and is the 143rd largest bank in the state of Florida. It is also the 3,625th largest bank in the nation. It was established in 2007 and as of December of 2013, it had grown to 35 employees at 4 locations. Calusa National Bank has a C+ health rating.

Reviews (1)

Rejected Debit Card With Funds Available

Notified the bank of our new mailing address in writing and by mail.  Received monthly statements at our new address so all seemed well.  Wrong.  We went to use our debit card and it was rejected saying insufficient funds,which was not true. Called the bank and they said I needed to tell them it was a LEGAL changea of address. Seems like somebody at the bank would tell a customer that there debit card won't work unless you say it is a LEGAL address change


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 Calusa National Bank had $4.1 million in non-current loans and owned real-estate with $18.39 million in equity and loan loss allowances on hand to cover it. This gives Calusa National Bank a Texas Ratio of 22.28% 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 Calusa National Bank increased slightly from 17.25% as of December 31, 2012 to 22.28% as of December 31, 2013, resulting in a negative change of 29.17%. This indicates that the balance sheet and financial strength for Calusa National Bank has declined slightly in recent periods.

Deposit Growth


In the past year, Calusa National Bank has increased its total deposits by $856,000, resulting in 0.69% 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 Calusa National Bank has shown is above average.



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. Calusa National Bank has $155.88 million in assets with $18.39 million in equity, resulting in a capitalization level of 11.80%, which is excellent.

Institution Statistics

FDIC Certificate #58512
Year Established2007
Primary RegulatorOCC
Assets and Liabilities
Assets$155.88 million
Loans$100.57 million
Deposits$125.43 million
Equity Capital$16.24 million
Loan Loss Allowance$2.15 million
Unbacked Noncurrent Loans$3.26 million
Real Estate Owned$837,000
Historic Data - December 2012
Assets$146.11 million
Equity Capital$14.36 million
Loan Loss Allowance$2.30 million
Unbacked Noncurrent Loans$3.26 million
Real Estate Owned$1.10 million
Profit Margin - Quarterly
Net Interest Margin4.18%
Return on Assets1.79%
Return on Equity17.58%
Interest Income$5.98 million

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Calusa National Bank Locations
North Port Office Branch14942 Tamiami TrailNorth Port, FL 34287
Murdock Branch1850 Tamiami TrailPort Charlotte, FL 33948
Calusa National Bank3105 Tamiami TrailPunta Gorda, FL 33950