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3560 Kraft Road
Naples, FL 34105

First Florida Integrity Bank is headquartered in Naples and is the 25th largest bank in the state of Florida. It is also the 773rd largest bank in the nation. It was established in 2007 and as of June of 2014, it had grown to 128 employees at 6 locations. First Florida Integrity Bank has a A health rating.

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Data for Q2 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 June 30, 2014 First Florida Integrity Bank had $8.32 million in non-current loans and owned real-estate with $97.44 million in equity and loan loss allowances on hand to cover it. This gives First Florida Integrity Bank a Texas Ratio of 8.54% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for First Florida Integrity Bank experienced no significant changes from 8.45% as of June 30, 2013 to 8.54% as of June 30, 2014, resulting in a negative change of 1.05%. This indicates that the balance sheet and financial strength for First Florida Integrity Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, First Florida Integrity Bank has increased its total deposits by $147.32 million, resulting in 29.29% 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 First Florida Integrity 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. First Florida Integrity Bank has $875.98 million in assets with $97.44 million in equity, resulting in a capitalization level of 11.12%, which is excellent.

Institution Statistics

FDIC Certificate #58532
Year Established2007
Primary RegulatorFED
Assets and Liabilities
Assets$875.98 million
Loans$566.45 million
Deposits$650.31 million
Equity Capital$90.84 million
Loan Loss Allowance$6.60 million
Unbacked Noncurrent Loans$8.24 million
Real Estate Owned$75,000
Historic Data - June 2013
Assets$668.44 million
Equity Capital$73.96 million
Loan Loss Allowance$6.05 million
Unbacked Noncurrent Loans$8.24 million
Real Estate Owned$1.01 million
Profit Margin - Quarterly
Return on Assets0.13%
Return on Equity1.28%
Interest Income$14.17 million

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First Florida Integrity Bank Locations
Creekside Office1280 Creekside Street, Unit 104Naples, FL 34108
First National Bank Of The Gulf Coast3560 Kraft RoadNaples, FL 34105
Marco Island Branch690 Bald Eagle DriveMarco Island, FL 34145
Anchor Rode Branch811 Anchor Rode DriveNaples, FL 34103