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The Bank of Tampa
Tampa, FL·FDIC Cert #21031·Charter: STATE·Est. 19730330.0·HC: TAMPA BAY BANKING CO
Total Assets
$2.9B
Q4 2025
Return on Assets
1.19%
+0.00%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
56.32%
Peer avg: 58.3%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
62
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.19%+0.00
ROE
13.74%-0.34
Efficiency
56.32%+0.15
Equity/Assets
0.00%+0.00
NPL Ratio
0.18%-0.03
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
72.92%+5.11
Charge-offs
0.03%+0.07
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.9 | 1.0 | 1.0 | 1.1 | 1.1 | 1.2 | 1.2 | 1.2 |
| ROE | 12.1 | 13.5 | 13.7 | 14.1 | 13.6 | 14.1 | 14.1 | 13.7 |
| Efficiency | 63.4 | 61.4 | 59.4 | 58.2 | 59.9 | 58.7 | 56.2 | 56.3 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.2 | 0.3 | 0.3 | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 |
| Charge-offs | -0.0 | -0.0 | -0.0 | 0.0 | -0.1 | -0.0 | -0.0 | 0.0 |
| Loan/Deposit | 58.9 | 63.9 | 63.7 | 64.5 | 66.1 | 68.0 | 67.8 | 72.9 |
Balance Sheet
Total Assets$2.9B
Total Deposits$2.6B
Total Loans$1.9B
Total Equity$282.9M
Profitability
ROA1.19%
ROE13.74%
Efficiency Ratio56.32%
Net Income$35.8M
Risk & Asset Quality
NPL Ratio0.18%
Charge-off Rate0.03%
Loan/Deposit72.92%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans