The Bank of Tampa
Tampa, Florida, Hillsborough County
$3.0B in total assets, the 435th largest of 4,309 US banks and 15th of 84 headquartered in Florida.
- FDIC certificate
- 21031
- Established
- 1973
- Owned by
- Tampa Bay Banking Co
- Primary regulator
- FDIC
- Website
- www.bankoftampa.com
At a glance
Compared with 24 banks headquartered in Florida with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $3.0B | 71% | $2.2B | |
| Loans | $2.1B | 71% | $1.4B | |
| Deposits | $2.7B | 71% | $1.9B | |
| Return on assets | 1.23% | 50% | 1.23% | |
| Net interest margin | 3.64% | 58% | 3.53% | |
| Efficiency ratio | 58.0% | 50% | 57.9% | |
| Equity to assets | 9.76% | 54% | 9.63% | |
| Loans to deposits | 77% | 54% | 76% |
Growth
Total assets grew 1.8% a year over the last 5 years and 7.3% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Oct 2021 | Hillsboro Bank Plant City, FL | $226M |
Where they operate
13 branches in 4 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Hillsborough County, FL | $2.3B | 5.2% | 8 of 51 |
| Pinellas County, FL | $262M | 0.4% | 23 of 33 |
| Sarasota County, FL | $73M | 0.4% | 31 of 36 |
| Manatee County, FL | $36M | 0.3% | 19 of 26 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 3 branches since 2016 (10 to 13, +30.0%). 4 opened, 1 acquired, 2 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 10 | |||
| 2016 | Sold 1 branch to Jefferson Bank of Florida | 0 | 1 | −1 | 9 |
| 2017 | Opened Largo | 1 | 0 | +1 | 10 |
| 2018 | Opened Clearwater and Sarasota | 2 | 0 | +2 | 12 |
| 2020 | Closed Tampa | 0 | 1 | −1 | 11 |
| 2021 | Acquired Hillsboro Bank | 1 | 0 | +1 | 12 |
| 2023 | Opened Bradenton | 1 | 0 | +1 | 13 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 46% | 36% | |
| 1-4 family residential | 22% | 28% | |
| Business (C&I) | 19% | 17% | |
| Construction and land | 5% | 5% | |
| Multifamily | 4% | 5% | |
| Consumer | 3% | 4% | |
| Farmland | 1% | 1% | |
| Other | 2% | 4% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 58% | 54% | |
| Noninterest-bearing | 39% | 24% | |
| Time deposits | 3% | 22% |
Brokered deposits are 0.0% of deposits (peers 5.7%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.29% | 0.32% |
| Net charge-offs, annualized | 0.03% | 0.04% |
| Reserves to loans | 1.33% | 1.16% |
| Leverage ratio | 10.97% | 9.97% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Florida
Largest competitors in Hillsborough County, FL
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/bank-tampa-fl