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601 Bayshore Boulevard, Suite 100
Tampa, FL 33606

The Bank of Tampa is headquartered in Tampa and is the 21st largest bank in the state of Florida. It is also the 522nd largest bank in the nation. It was established in 1973 and as of March of 2014, it had grown to 218 employees at 10 locations. The Bank of Tampa has a B+ health rating.

Reviews (2)

Locally Connected - Personally Committed (If You're Wealthy)

My business had been a client of The Bank of Tampa since 2009.  During that time frame, we grew, increased our average deposits, paid down debt, and have had an exemplary payment record with all of our creditors.  We've reached out to the bank to help us consolidate debt, obtain more competitive interest rates, and help us improve our working capital to propel us to the next level multiple times.  Each of the times we reached out, the message I heard was simple, "we don't lend unless you don't need the money".

Our relationship manager left the bank back in June 2011, a new one was not assigned.  I reached out to someone who used to work under my prior relationship manager and had recently been promoted.  I was not treated with the respect I felt I deserved and was given the run-around on many items.  Even after eight years in business, The Bank of Tampa considered my company a start-up and the new relationship manager didn't even know how long we'd been in operation.

Ultimately, I took my business elsewhere and the bank retaliated by shutting down our credit card based on financial information from 2009 (without even asking for updated information).

If you are an attorney, physician, wealthy, or any combination thereof, The Bank of Tampa will be personally committed to you.  If you're a growing small business with less than stellar financials but a proven track record of meeting your obligations, do yourself a favor and take your business elsewhere.  The Bank of Tampa is interested in one thing and one thing only, your deposits.

Best Banking Experience In Tampa!

I have been a BoT client for almost 20 years and am very pleased with the experience.  Their savings/CD rates are competitive, as are their loan/mortgage rates.  In addition, the staff is courteous, professional, and well-informed.  I have had accounts with other local banks (BofA, Wachovia, SunTrust, and BB&T), but I find that BoT provides the best overall quality of services.  If you're tired of being treated like "just another customer" by your current bank and are looking for an outstanding full-service institution in the Tampa Bay area, visit Bank of Tampa -- you won't regret it.


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 The Bank of Tampa had $17.05 million in non-current loans and owned real-estate with $114.91 million in equity and loan loss allowances on hand to cover it. This gives The Bank of Tampa a Texas Ratio of 14.84% 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 The Bank of Tampa experienced no significant changes from 14.02% as of March 31, 2013 to 14.84% as of March 31, 2014, resulting in a negative change of 5.83%. This indicates that the balance sheet and financial strength for The Bank of Tampa has had no significant changes in recent periods.

Deposit Growth


In the past year, The Bank of Tampa has increased its total deposits by $70.06 million, resulting in 6.25% 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 The Bank of Tampa 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. The Bank of Tampa has $1.3 billion in assets with $114.91 million in equity, resulting in a capitalization level of 8.85%, which is average.

Institution Statistics

FDIC Certificate #21031
Year Established1973
Primary RegulatorFDIC
Assets and Liabilities
Assets$1.30 billion
Loans$721.59 million
Deposits$1.19 billion
Equity Capital$101.80 million
Loan Loss Allowance$13.11 million
Unbacked Noncurrent Loans$16.64 million
Real Estate Owned$407,000
Historic Data - March 2013
Assets$1.22 billion
Equity Capital$100.37 million
Loan Loss Allowance$12.76 million
Unbacked Noncurrent Loans$16.64 million
Real Estate Owned$892,000
Profit Margin - Quarterly
Return on Assets0.66%
Return on Equity8.44%
Interest Income$10.12 million

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The Bank of Tampa Locations
Brandon Branch1217 Oakfield DriveBrandon, FL 33511
Carrollwood Village Office13868 North Dale Mabry HwyTampa, FL 33616
Tampa Palms Branch15302 Amberly DriveTampa, FL 33647
St. Pete Branch200 Central AvenueSaint Petersburg, FL 33701
Sunset Park Branch4355 Henderson BoulevardTampa, FL 33629
Armenia Branch4400 North Armenia AvenueTampa, FL 33603
Westshore Branch4600 West Cypress Street, Suite 100Tampa, FL 33607
Waters Branch5401 West Waters AvenueTampa, FL 33634
The Bank Of Tampa601 Bayshore Boulevard, Suite 100Tampa, FL 33606
Downtown BranchThree Tampa City Center, Suite 40Tampa, FL 33602