Panther Community Bank

Panther Community Bank Locations
50 Joel Blvd
Lehigh Acres, FL 33936
(239) 303-7310
www.panthercommunitybank.com

Panther Community Bank is headquartered in Naples and is the 52nd largest bank in the state of Florida. It is also the 1,450th largest bank in the nation. It was established in 2007 and as of March of 2012, it had grown to 79 employees at 2 locations. Panther Community Bank has a 5-star health rating.

Related Posts

4.01% Reward Checking Account at Panther Community Bank in Southwest Florida - 4/16/2009

Update 11/08/09: The bank has been merged into First National Bank of the Gulf Coast. The reward checking account is no longer being offered.Panther Community Bank is offering a reward checking account called Prosperity Now Checking. The account offers...

4.15% 12-Month CD at a Florida Bank (Panther Community). - 3/27/2008

Update 4/12/08: The CD special is no longer listed on the bank's website. Please check with the bank for the latest specials.Panther Community Bank is offering a special 12-month CD with a yield of 4.15% APY when opened with a new checking account....


Data for Q1 2012


Institution Statistics


First National Bank of the Gulf Coast
FDIC Certificate #58532
BankRate ReportView
Year Established2007
Employees79
Primary RegulatorOCC

Assets and Liabilities

Assets$460.32 million
Loans$233.40 million
Deposits$340.19 million
Equity Capital$63.47 million
Loan Loss Allowance$4.41 million
Unbacked Noncurrent Loans$2.62 million
Real Estate Owned$694,000

Historic Data - March 2011

Assets$329.38 million
Equity Capital$25.84 million
Loan Loss Allowance$1.34 million
Unbacked Noncurrent Loans$821,000

Profit Margin - Quarterly

Net Interest Margin3.23%
Return on Assets-1.14%
Return on Equity-7.61%
Interest Income$3.80 million

Institution Health


Overall Score:
5 out of 5
5
Texas Ratio5
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 Panther Community Bank had $3.31 million in non-current loans and owned real-estate with $67.88 million in equity and loan loss allowances on hand to cover it. This gives Panther Community Bank a Texas Ratio of 4.88% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend3
The Texas Ratio for Panther Community Bank held steady from 3.02% as of March 31, 2011 to 4.88% as of March 31, 2012, resulting in a negative change of 61.45%. This indicates that the balance sheet and financial strength for Panther Community Bank has held steady in recent periods.
Deposit Growth5
In the past year, Panther Community Bank has increased its total deposits by $69.09 million, resulting in 25.48% 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 Panther Community Bank has shown is excellent.
Capitalization5
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. Panther Community Bank has $460.32 million in assets with $67.88 million in equity, resulting in a capitalization level of 14.75%, which is excellent.
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