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Overview / Commentary
450 South Orange Avenue
Orlando, FL 32801

CNLBank is headquartered in Orlando and is the 21st largest bank in the state of Florida. It is also the 537th largest bank in the nation. It was established in 1997 and as of December of 2013, it had grown to 178 employees at 16 locations. CNLBank has a B health rating.

Reviews (2)

Custsomer Service

Customer Service, at CNL Bank has went downhill.  A lot of turnover in the past 12 months.  Most of the good

CSR's have been let go or left the bank.  I felt good going to this bank because it felt like they treated us like

family, but I am wanting to find another small bank where they are pleasant or find out where some of the staff went that they let go.   Because it does not feel like they place I once knew and it is not pleasant to go to at all.

I do my transactions and leave, or just go through the drive thru.


Not A Good Company To Work For. Too Much Turn Over.

If you want a bank that keeps its people, than do not choose CNL. Too many turn over of employees.


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 CNLBank had $14.26 million in non-current loans and owned real-estate with $119.71 million in equity and loan loss allowances on hand to cover it. This gives CNLBank a Texas Ratio of 11.91% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for CNLBank decreased dramatically from 42.98% as of December 31, 2012 to 11.91% as of December 31, 2013, resulting in a positive change of 72.28%.This indicates that the balance sheet and financial strength for CNLBank has improved dramatically in recent periods.

Deposit Growth


In the past year, CNLBank has decreased its total deposits by -$99.61 million, resulting in -9.45% 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 CNLBank has shown is below 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. CNLBank has $1.23 billion in assets with $119.71 million in equity, resulting in a capitalization level of 9.70%, which is above average.

Institution Statistics

FDIC Certificate #34427
Year Established1997
Primary RegulatorFDIC
Assets and Liabilities
Assets$1.23 billion
Loans$719.50 million
Deposits$954.06 million
Equity Capital$108.71 million
Loan Loss Allowance$11.00 million
Unbacked Noncurrent Loans$10.43 million
Real Estate Owned$3.83 million
Historic Data - December 2012
Assets$1.28 billion
Equity Capital$114.26 million
Loan Loss Allowance$14.13 million
Unbacked Noncurrent Loans$10.43 million
Real Estate Owned$27.65 million
Profit Margin - Quarterly
Net Interest Margin3.25%
Return on Assets0.01%
Return on Equity0.13%
Interest Income$44.90 million

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CNLBank has 16 locations. Click to view all CNLBank locations.