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Floridian Community Bank, Inc.

Floridian Community Bank, Inc. Locations
5599 South University Drive
Davie, FL 33328
954-434-8050
www.floridiancommunitybank.com

Floridian Community Bank, Inc. is headquartered in Davie and is the 85th largest bank in the state of Florida. It is also the 2,349th largest bank in the nation. It was established in 2003 and as of March of 2012, it had grown to 49 employees at 4 locations. Floridian Community Bank, Inc. has a 3-star health rating.

Related Posts

Top CD & Money Market Rates at Floridian Community Bank in South FL - Local Only - 12/15/2011

Floridian Community Bank continues to offer competitive long-term CD rates. These are the same as I reported in September: 2.27% APY 5-year CD, 1.76% APY 4-year CD and a 1.51% APY 3-year CD. Minimum d ...

Top Long-Term CD Rates at Floridian Community Bank in South FL - Local Only - 9/29/2011

Yesterday, I reported on some competitive rates at a Central Florida Bank. Here's one in Southeast Florida. Floridian Community Bank is offering three competitive long-term CD rates: 2.27% APY 5-year ...

Top Long-Term CD Rates Continue At Floridian Community Bank In South FL (Forum) - 12/28/2010

I did a blog post on Floridian Community Bank in October regarding its two very competitive long-term CDs: 2.91% APY 5-year CD 2.15% APY 3-year CD The bank doesn't list its rates online, so I called today, and confirmed these rates are still availab

Competitive 5-Year CD Rate at Floridian Community Bank in South FL - Local Only - 10/6/2010

Floridian Community Bank is offering a 2.91% APY 5-year CD. Minimum deposit is $1,000, and the early withdrawal penalty is 10 months of interest. There's also a 2.15% APY 3-year CD with a 6-month earl ...


Data for Q1 2012


Institution Statistics


Floridian Community Bank, Inc.
FDIC Certificate #57382
BankRate ReportView
Year Established2003
Employees49
Primary RegulatorFDIC

Assets and Liabilities

Assets$275.16 million
Loans$154.70 million
Deposits$227.45 million
Equity Capital$23.81 million
Loan Loss Allowance$2.99 million
Unbacked Noncurrent Loans$6.09 million
Real Estate Owned$239,000

Historic Data - March 2011

Assets$232.55 million
Equity Capital$19.74 million
Loan Loss Allowance$3.45 million
Unbacked Noncurrent Loans$3.55 million

Profit Margin - Quarterly

Net Interest Margin3.53%
Return on Assets0.54%
Return on Equity6.16%
Interest Income$2.97 million

Institution Health


Overall Score:
3 out of 5
3
Texas Ratio3
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 March 31, 2012 Floridian Community Bank, Inc. had $6.33 million in non-current loans and owned real-estate with $26.8 million in equity and loan loss allowances on hand to cover it. This gives Floridian Community Bank, Inc. a Texas Ratio of 23.61% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend2
The Texas Ratio for Floridian Community Bank, Inc. increased slightly from 15.32% as of March 31, 2011 to 23.61% as of March 31, 2012, resulting in a negative change of 54.10%. This indicates that the balance sheet and financial strength for Floridian Community Bank, Inc. has declined slightly in recent periods.
Deposit Growth5
In the past year, Floridian Community Bank, Inc. has increased its total deposits by $41.81 million, resulting in 22.52% 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 Floridian Community Bank, Inc. has shown is excellent.
Capitalization3
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. Floridian Community Bank, Inc. has $275.16 million in assets with $26.8 million in equity, resulting in a capitalization level of 9.74%, which is average.
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Floridian, Despite Being Five Star Capitalized, Gives Service As If You Were Their Only Customer
5 stars - BillRoss - Tuesday, October 25, 2011 - 1:37 PM

It is always a pleasure to deal with Floridian.

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