Dedicated to Deposits: Deals, Data, and Discussion
Featured Savings Rates
Featured Accounts
Overview / Commentary
2720 Coral Way
Miami, FL 33145

TotalBank is headquartered in Miami and is the 13st largest bank in the state of Florida. It is also the 289th largest bank in the nation. It was established in 1974 and as of March of 2014, it had grown to 445 employees at 21 locations. TotalBank has a A+ health rating.

Related Posts

Reviews (1)

No Service To The Costumers.

I been calling the main phone number for about an hour and just getting a recording. This is no way of running a business or bank. No wander the bank is loosing costumers.


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 TotalBank had $33.09 million in non-current loans and owned real-estate with $453.56 million in equity and loan loss allowances on hand to cover it. This gives TotalBank a Texas Ratio of 7.30% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for TotalBank experienced no significant changes from 7.45% as of March 31, 2013 to 7.30% as of March 31, 2014, resulting in a positive change of 2.06%.This indicates that the balance sheet and financial strength for TotalBank has had no significant changes in recent periods.

Deposit Growth


In the past year, TotalBank has increased its total deposits by $61.22 million, resulting in 3.58% 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 TotalBank 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. TotalBank has $2.57 billion in assets with $453.56 million in equity, resulting in a capitalization level of 17.65%, which is excellent.

Institution Statistics

FDIC Certificate #21468
Year Established1974
Primary RegulatorFDIC
Assets and Liabilities
Assets$2.57 billion
Loans$1.58 billion
Deposits$1.77 billion
Equity Capital$433.18 million
Loan Loss Allowance$20.38 million
Unbacked Noncurrent Loans$26.73 million
Real Estate Owned$6.36 million
Historic Data - March 2013
Assets$2.45 billion
Equity Capital$429.39 million
Loan Loss Allowance$21.26 million
Unbacked Noncurrent Loans$26.73 million
Real Estate Owned$6.85 million
Profit Margin - Quarterly
Net Interest Margin3.02%
Return on Assets0.35%
Return on Equity2.09%
Interest Income$21.51 million
Skip to rates for:

Always verify rates and promotions with the bank or credit union. We are not TotalBank, we are a rate comparison website and can not provide official rates or promotions.

TotalBank Savings Account Rates

0.10%$500-Total e-Savings

TotalBank Checking Account Rates

0.10%--Total e-Interest Checking

TotalBank CD Rates

0.50%$1k-12 Month Total e-CD
0.40%$1k-9 Month Total e-CD
0.25%$1k-6 Month Total e-CD
0.20%$1k-3 Month Total e-CD

TotalBank has 19 locations. Click to view all TotalBank locations.