Crews Bank & Trust
Wauchula, Florida, Hardee County
$2.3B in total assets, the 549th largest of 4,309 US banks and 20th of 84 headquartered in Florida.
- FDIC certificate
- 8021
- Established
- 1929
- Owned by
- Crews Banking Corp
- Primary regulator
- FDIC
- Website
- www.crews.bank
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 | $2.3B | 50% | $2.2B | |
| Loans | $1.3B | 42% | $1.6B | |
| Deposits | $2.1B | 50% | $2.0B | |
| Return on assets | 1.85% | 83% | 1.22% | |
| Net interest margin | 3.73% | 62% | 3.53% | |
| Efficiency ratio | 55.2% | 38% | 58.6% | |
| Equity to assets | 10.66% | 83% | 9.63% | |
| Loans to deposits | 64% | 21% | 77% |
Growth
Total assets grew 20.5% a year over the last 5 years and 13.9% a year over 10 years, including 3 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Sep 2023 | Crews Bank & Trust Arcadia, FL, an affiliate under the same holding company | $204M |
| Sep 2023 | Charlotte State Bank & Trust Port Charlotte, FL, an affiliate under the same holding company | $629M |
| Sep 2023 | Englewood Bank & Trust Englewood, FL, an affiliate under the same holding company | $553M |
Where they operate
20 branches in 7 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Charlotte County, FL | $827M | 14.8% | 3 of 12 |
| Hardee County, FL | $503M | 86.8% | 1 of 2 |
| Highlands County, FL | $273M | 12.8% | 3 of 9 |
| Desoto County, FL | $177M | 54.0% | 1 of 2 |
| Polk County, FL | $110M | 0.7% | 11 of 16 |
| Sarasota County, FL | $104M | 0.6% | 26 of 36 |
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 14 branches since 2016 (6 to 20, +233.3%). 2 opened, 14 acquired, 2 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 6 | |||
| 2016 | Opened Winter Haven | 1 | 0 | +1 | 7 |
| 2020 | Closed Zolfo Springs | 0 | 1 | −1 | 6 |
| 2021 | Opened LakelandClosed Sebring | 1 | 1 | 0 | 6 |
| 2023 | Acquired 3 banks | 14 | 0 | +14 | 20 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 54% | 36% | |
| 1-4 family residential | 34% | 28% | |
| Construction and land | 5% | 5% | |
| Farmland | 4% | 1% | |
| Multifamily | 2% | 5% | |
| Business (C&I) | 1% | 17% | |
| Consumer | 1% | 4% | |
| Other | 0% | 4% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 54% | 54% | |
| Noninterest-bearing | 35% | 24% | |
| Time deposits | 10% | 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 | 0.06% | 0.32% |
| Net charge-offs, annualized | 0.02% | 0.04% |
| Reserves to loans | 1.95% | 1.16% |
| Leverage ratio | 10.69% | 9.97% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Florida
Largest competitors in Charlotte 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/crews