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60 North Court Avenue, First Floor
Orlando, FL 32801

Old Florida National Bank is headquartered in Orlando and is the 29th largest bank in the state of Florida. It is also the 815st largest bank in the nation. It was established in 1982 and as of June of 2014, it had grown to 177 employees at 10 locations. Old Florida National Bank has a B+ health rating.

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Reviews (2)

Great Bank

Old Florida National Bank has brought back true customer service. The staff are exceptionally friendly and helpful. The bank itself offers affordable rates in an economy that has most of us stretched to the limits. What a refreshing change from the bail out banks of our time. They are community minded and support a diverse amount of projects in and around the Orlando area. Customers even get the joy of a Christmas tree in the lobby. Many thanks for bringing back the old ways of business where the customers matter!!! Kudos

Best Bank Ever!

This is by far the best bank ever! Their customer service levels are outstanding, especially Brian & Wanda at the Altamonte office! Everyone should be banking with a great community bank like Old Florida! Thanks so much for all that you do!!!


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 Old Florida National Bank had $9.83 million in non-current loans and owned real-estate with $87.63 million in equity and loan loss allowances on hand to cover it. This gives Old Florida National Bank a Texas Ratio of 11.22% 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 Old Florida National Bank experienced no significant changes from 10.67% as of June 30, 2013 to 11.22% as of June 30, 2014, resulting in a negative change of 5.17%. This indicates that the balance sheet and financial strength for Old Florida National Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, Old Florida National Bank has increased its total deposits by $28.49 million, resulting in 3.98% 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 Old Florida National 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. Old Florida National Bank has $833.29 million in assets with $87.63 million in equity, resulting in a capitalization level of 10.52%, which is above average.

Institution Statistics

FDIC Certificate #24244
Year Established1982
Primary RegulatorFDIC
Assets and Liabilities
Assets$833.29 million
Loans$648.48 million
Deposits$744.10 million
Equity Capital$79.26 million
Loan Loss Allowance$8.37 million
Unbacked Noncurrent Loans$6.88 million
Real Estate Owned$2.95 million
Historic Data - June 2013
Assets$798.57 million
Equity Capital$72.89 million
Loan Loss Allowance$7.72 million
Unbacked Noncurrent Loans$6.88 million
Real Estate Owned$2.53 million
Profit Margin - Quarterly
Return on Assets0.86%
Return on Equity9.24%
Interest Income$17.47 million

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Old Florida National Bank Locations
Crystal River Branch1101 N.E. 5th StreetCrystal River, FL 34429
Lake Mary Branch1120 Townpark Avenue, Suite 1012Lake Mary, FL 32746
Apopka Office Branch1420 West Orange Blossom TrailApopka, FL 32712
Inverness Branch1777 West Main StreetInverness, FL 34452
Longwood Branch502 North US Highway 17 92Longwood, FL 32750
Altamonte Branch520 West Highway 436Altamonte Springs, FL 32714
Old Florida National Bank60 North Court Avenue, First FloorOrlando, FL 32801
College Park Branch646 W. Smith StreetOrlando, FL 32804
Winter Park Branch840 Denning DriveWinter Park, FL 32789
Medical District Branch918 S. Orange AvenueOrlando, FL 32806