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105 East Robinson Street
Orlando, FL 32802

Florida Bank of Commerce is headquartered in Orlando and is the 86th largest bank in the state of Florida. It is also the 2,430th largest bank in the nation. It was established in 2005 and as of March of 2014, it had grown to 56 employees at 6 locations. Florida Bank of Commerce has a A 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 Florida Bank of Commerce had $4.66 million in non-current loans and owned real-estate with $30.26 million in equity and loan loss allowances on hand to cover it. This gives Florida Bank of Commerce a Texas Ratio of 15.41% 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 Florida Bank of Commerce decreased dramatically from 28.71% as of March 31, 2013 to 15.41% as of March 31, 2014, resulting in a positive change of 46.34%.This indicates that the balance sheet and financial strength for Florida Bank of Commerce has improved dramatically in recent periods.

Deposit Growth


In the past year, Florida Bank of Commerce has increased its total deposits by $37.64 million, resulting in 18.95% 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 Florida Bank of Commerce 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. Florida Bank of Commerce has $265.68 million in assets with $30.26 million in equity, resulting in a capitalization level of 11.39%, which is excellent.

Institution Statistics

FDIC Certificate #58081
Year Established2005
Primary RegulatorFDIC
Assets and Liabilities
Assets$265.68 million
Loans$178.77 million
Deposits$236.23 million
Equity Capital$27.42 million
Loan Loss Allowance$2.84 million
Unbacked Noncurrent Loans$1.18 million
Real Estate Owned$3.48 million
Historic Data - March 2013
Assets$227.30 million
Equity Capital$26.47 million
Loan Loss Allowance$2.74 million
Unbacked Noncurrent Loans$1.18 million
Real Estate Owned$4.33 million
Profit Margin - Quarterly
Return on Assets0.64%
Return on Equity5.9%
Interest Income$2.53 million

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Florida Bank of Commerce Locations
Florida Bank Of Commerce105 East Robinson StreetOrlando, FL 32802
Kissimmee Branch1126 East Oak StreetKissimmee, FL 34744
Lake Mary Branch1190 Business Center DriveLake Mary, FL 32746
Merritt Island Branch291 North Courtenay ParkwayMerritt Island, FL 32953
Melbourne Branch5770 North Wickham RoadMelbourne, FL 32940
Winter Park Office702 North Orange AvenueWinter Park, FL 32789