# BANK OF TAMPA
TAMPA, FL · FDIC certificate 21031 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $3.02B | |
| Deposits | $2.71B | |
| Loans and leases | $2.08B | |
| Total equity | $295.2M | |
| Loans / deposits | 75.67% (p25 of band) | 87.10% |
| Liquid assets / assets | 27.09% (p70 of band) | |
| Uninsured deposits / deposits | 53.42% (p93 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p6 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.97% (p60 of band) | 10.50% |
| Unrealized securities loss / equity | -31.23% (p9 of band) | -7.75% |
| AOCI / equity | 0.29% (p89 of band) | |
| ROA (annualized) | 1.25% (p50 of band) | 1.26% |
| Net interest margin | 3.64% (p46 of band) | 3.70% |
| Efficiency ratio | 57.96% (p46 of band) | |
| Noncurrent loans | 0.29% (p32 of band) | 0.51% |
| Net charge-offs (annualized) | 0.02% (p46 of band) | |
| Reserve coverage of noncurrent | 459.69% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 32.04% (p32 of band) | |
| Auto loans | $262,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $1,000 (0% of equity) (p70 of band) | |
| Deposits YoY | -0.6% | |
| Employees | 295 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | capital falling |  |
| 2012-12 | 2 | reserve under noncurrent |  |
| 2013-03 | 1 |  | capital falling |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 0 |  | reserve under noncurrent |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | uninsured deposits >50% |  |
| 2019-12 | 2 | capital falling |  |
| 2020-03 | 1 |  | capital falling |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 1 |  | capital falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 3 | securities losses >30% of equity, NIM <2.5% |  |
| 2022-06 | 5 | capital falling, AOCI drag >20% of equity |  |
| 2022-09 | 3 |  | NIM <2.5%, capital falling |
| 2022-12 | 4 | assets shrinking |  |
| 2023-03 | 4 | deposits shrinking | AOCI drag >20% of equity |
| 2023-06 | 4 |  |  |
| 2023-09 | 2 |  | assets shrinking, deposits shrinking |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 3 | deposits shrinking |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 2 |  | deposits shrinking |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |
| 2026-06 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-10 [The Bank of Tampa adds wealth advisor in Sarasota - TBBW](https://news.google.com/rss/articles/CBMieEFVX3lxTE1DNG5zUkYzc2oyRmhpTkVtY0V6ZjMwWXVndGRxbExTQlVBVjVGNTFBLWtxUDZKVUFwaFhBMjMzdWdaaWpIMGZfYlFxbGdERWtZcUhQYUhTQ0dkazFTblBNb0FGS1hfVjR1eDNRd3I1bWFsa3ZlbzRXMA?oc=5) · TBBW
- 2026-07-02 [Pinnacle Financial Partners adds to growing Tampa Bay team - Pinnacle Financial Partners](https://news.google.com/rss/articles/CBMitwFBVV95cUxPQnB0TUtSb2xwdWwzUFZ5VDJjRDNfYjhXTl9vamlQTWxfVFR1dVlpTFN6QmhuVGpCN3NYSXpaWUM2eUN1dUhQZXlRYmt0QTRTaUgxeDdkTHY1bU1uUEttcnpURVVFQ25pWXROV2x6MzRyeV9ybnppN196TVB5eDVXTzljdGw2aWRXRnA3NDU3V2tLVnp2UWdxVjNxM3hLYmszSmsxT1dvWHhIRFV1UzRlekZKcFRiclE?oc=5) · Pinnacle Financial Partners
- 2026-04-01 [Republic Bank names new Florida market president after lengthy search - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQSy02b1J5MTg4S1N4RTBlWHJ0RDVSLUNITkJ6OWdwY1dOZXRmVWhfci13LXJxOEU1YjhLQk1BNVRNOVdFOFhld3QwcHE0OHE3T2g0UUdEQkN6b2t3QWFjalhJdFZGbklpR0RpRTNodzdqalNIdUxMYVI1WWpCbUJkUGkzN1VoOUFUeUZHX24zWUlsSjl2NEMtMG9IMzlESl9GS0ROckdmaGM?oc=5) · The Business Journals
- 2026-04-02 [USF Muma College of Business announces 25 Under 25 Award honorees - University of South Florida](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQSXktRHFkZFAwZ0pOQVA3djRiY1pYR2VrM2FYZUVWc3J6bnpfRjlIVmNxSTNrY20tYTdmMldpTnY5aXBrRElRVXdBZlBKZy0xSzVkWGU4Z3ZNUThlVEhnWVdEdEt4YnBkaTRmbk44MHhRNnQwd3dPZ3FKQjJLaWNtRDJhMG5UR3VLei1rSGRzVTJaRzRQYmFSMmJTUERVdFQ4TmJlZnZjR05sVzQ?oc=5) · University of South Florida
- 2026-01-23 [Veteran bankers see opportunity amid surge of industry consolidation - Business Observer](https://news.google.com/rss/articles/CBMiogFBVV95cUxQSkdSbkNMaXY4UDBYWXB3dlN3bGg2dU5RcVRuMDFBUDg0YXRTR1RHTHFrTGZ0VE0xdjVFbTJCWk4yMk9MY3JrWnZLeW1ZUmpkTXBCVTc2TWVBMG84YW5uRGpzem94NjA4NEJSVTl6Z3p4R2VMTmcwSENDMUhtN2J5RENQSVh6UHlNQVpxU1FtaF91cU5WTEtXTktpV05LQTJDdEE?oc=5) · Business Observer
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-04-23 [Former HomeBanc execs file to start Tampa's newest bank - The Business Journals](https://news.google.com/rss/articles/CBMinwFBVV95cUxQekt5a3lrSlhxQTNpN1hDamhSNnp2cnJ5LS1ScG5BVmhLNnFWRnJWdURpYnE1WmtubnMyU0lWUXBJSE9HMW0wLXFibHhTY1NjMHpKanR4d3p2UHFsTzdEUEpCYTZhYm5ZUnBBUWt4NU1Za2dWUW16UFB1RFllSnBraERPaFpQanpPd3MyWWdCQ3psWFpvbUw3RkpCWnZtdU0?oc=5) · The Business Journals
- 2026-08-08 [Elvira Gore Obituary - Brandon, FL - Dignity Memorial](https://news.google.com/rss/articles/CBMif0FVX3lxTE9PdXFlVkNUSm1ySko1RDBPR0pLbm9IUmdVSVlZTXpJalFmaVpaOGJFbzl5WFpaLXdpYjFFZnh1NUJ3bXUwU3QwZEI2LTZxd1pHekRIbzI4R2hKOExDbzBhR2w4N0xxcS14LTNnRmFJS1NOYUJGbW5lNnU0V0ZfczA?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=21031 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/39.json (key "21031", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide