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Overview / Commentary
15588 Southwest Warfield Boulevard
Indiantown, FL 34956

Harbor Community Bank is headquartered in Indiantown and is the 37th largest bank in the state of Florida. It is also the 1,059th largest bank in the nation. It was established in 1960 and as of March of 2014, it had grown to 194 employees at 19 locations. Harbor Community Bank 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 Harbor Community Bank had $11.21 million in non-current loans and owned real-estate with $82.31 million in equity and loan loss allowances on hand to cover it. This gives Harbor Community Bank a Texas Ratio of 13.62% 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 Harbor Community Bank decreased dramatically from 23.45% as of March 31, 2013 to 13.62% as of March 31, 2014, resulting in a positive change of 41.92%.This indicates that the balance sheet and financial strength for Harbor Community Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, Harbor Community Bank has increased its total deposits by $194.38 million, resulting in 58.7% 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 Harbor Community 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. Harbor Community Bank has $644.81 million in assets with $82.31 million in equity, resulting in a capitalization level of 12.77%, which is excellent.

Institution Statistics

FDIC Certificate #18149
Year Established1960
Primary RegulatorFDIC
Assets and Liabilities
Assets$644.81 million
Loans$362.60 million
Deposits$525.52 million
Equity Capital$78.93 million
Loan Loss Allowance$3.39 million
Unbacked Noncurrent Loans$7.64 million
Real Estate Owned$3.57 million
Historic Data - March 2013
Assets$426.63 million
Equity Capital$64.15 million
Loan Loss Allowance$4.04 million
Unbacked Noncurrent Loans$7.64 million
Real Estate Owned$1.88 million
Profit Margin - Quarterly
Return on Assets0.39%
Return on Equity3.16%
Interest Income$6.80 million

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Harbor Community Bank has 14 locations. Click to view all Harbor Community Bank locations.