Florida Capital Bank Mortgage Rates, Fees & Info
Jacksonville, FLLEI: 549300ZIXM1VUXPG4D03
Tax ID: 59-2475686
4.5 stars
2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Bank Data
Overview
Florida Capital Bank is a small bank specializing in Refi, Cash Out Refi, and Home Purchase loans. Florida Capital Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets include Los Angeles, San Francisco, San Jose, Jacksonville, and Minneapolis among others. Florida Capital Bank has an average approval rate for mortages when compared nationally. They have an above average pick rate when compared to the same sample of other lendors. Florida Capital Bank is typically an average fee lendor.Originations
2,794Origination Dollar Volume (All Markets)
$1,091,900,000Employee count
153Awards
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Florida Capital Bank - 2021
Florida Capital Bank is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
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Relative Rate
Florida Capital Bank's average 30 year fixed rate mortgage of loans were
2.96%.
The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.
This yields a difference of -0.19%.
Relative Fees
Florida Capital Bank's average total fees for a 30 year fixed rate
mortgage are $5,864.
The average total origination fees for 30 year fixed rate mortgages (for all loan values, including
both points & up-front fees in addition to origination fees) are $4,750.
Top Markets
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 170 | $122,780,000 | $722,235 | $5,655 | 2.87% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 115 | $105,125,000 | $914,130 | $5,408 | 2.74% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 77 | $75,355,000 | $978,636 | $5,621 | 2.67% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 174 | $55,750,000 | $320,402 | $5,096 | 2.92% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 169 | $53,725,000 | $317,899 | $5,715 | 2.79% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 153 | $43,395,000 | $283,627 | $3,876 | 2.88% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 146 | $39,380,000 | $269,726 | $5,488 | 2.99% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 84 | $37,010,000 | $440,595 | $6,936 | 2.83% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 117 | $34,505,000 | $294,915 | $4,573 | 2.82% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 115 | $33,415,000 | $290,565 | $8,279 | 2.97% |
| GRAND FORKS, ND-MN (FHA|USDA|VA) | 119 | $24,775,000 | $208,193 | $5,065 | 2.81% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 33 | $23,265,000 | $705,000 | $6,228 | 2.80% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 66 | $22,970,000 | $348,030 | $5,370 | 2.82% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 81 | $22,595,000 | $278,951 | $4,883 | 2.99% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 53 | $20,615,000 | $388,962 | $5,620 | 2.74% |
| Outside of Metro Areas | 71 | $17,135,000 | $241,338 | $5,904 | 2.96% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 72 | $16,170,000 | $224,583 | $3,565 | 3.08% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 49 | $15,825,000 | $322,959 | $4,687 | 2.98% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 38 | $15,760,000 | $414,737 | $5,687 | 2.98% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 31 | $13,265,000 | $427,903 | $4,988 | 2.86% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 20 | $11,400,000 | $570,000 | $5,941 | 2.91% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 28 | $11,080,000 | $395,714 | $5,884 | 3.00% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 28 | $10,210,000 | $364,643 | $6,355 | 2.78% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 18 | $9,760,000 | $542,222 | $8,625 | 2.92% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 30 | $9,500,000 | $316,667 | $5,258 | 2.91% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 23 | $9,005,000 | $391,522 | $7,474 | 2.91% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 14 | $8,340,000 | $595,714 | $5,827 | 2.86% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 15 | $8,135,000 | $542,333 | $6,085 | 2.92% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 28 | $8,090,000 | $288,929 | $3,796 | 3.02% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 34 | $7,900,000 | $232,353 | $3,815 | 3.05% |
| Edwards, CO (FHA|USDA|VA) | 16 | $7,260,000 | $453,750 | $3,331 | 2.87% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 14 | $6,290,000 | $449,286 | $6,360 | 2.83% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 20 | $5,840,000 | $292,000 | $4,654 | 3.03% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 17 | $5,015,000 | $295,000 | $6,278 | 2.92% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 14 | $4,940,000 | $352,857 | $5,716 | 2.91% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 3 | $4,905,000 | $1,635,000 | $10,546 | 2.96% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 19 | $4,795,000 | $252,368 | $9,024 | 2.74% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 12 | $4,720,000 | $393,333 | $7,863 | 3.15% |
| VALLEJO, CA (FHA|USDA|VA) | 8 | $4,610,000 | $576,250 | $7,039 | 2.92% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 13 | $4,485,000 | $345,000 | $5,616 | 2.66% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 12 | $4,290,000 | $357,500 | $7,483 | 3.01% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 8 | $4,290,000 | $536,250 | $6,036 | 2.69% |
| Key West, FL (FHA|USDA|VA) | 7 | $4,205,000 | $600,714 | $7,692 | 2.98% |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) | 11 | $4,125,000 | $375,000 | $6,496 | 3.10% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 4 | $3,630,000 | $907,500 | $14,394 | 2.91% |
| BOISE CITY, ID (FHA|USDA|VA) | 10 | $3,260,000 | $326,000 | $8,972 | 3.16% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 9 | $3,195,000 | $355,000 | $4,894 | 3.15% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 5 | $2,995,000 | $599,000 | $11,177 | 2.98% |
| Heber, UT (FHA|USDA|VA) | 3 | $2,875,000 | $958,333 | $7,428 | 2.83% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 3 | $2,815,000 | $938,333 | $8,156 | 2.92% |
| AKRON, OH (FHA|USDA|VA) | 9 | $2,805,000 | $311,667 | $3,540 | 2.97% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 8 | $2,770,000 | $346,250 | $6,221 | 2.92% |
| RENO, NV (FHA|USDA|VA) | 7 | $2,595,000 | $370,714 | $7,939 | 3.05% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 9 | $2,445,000 | $271,667 | $7,746 | 2.49% |
| GREELEY, CO (FHA|USDA|VA) | 6 | $2,370,000 | $395,000 | $7,046 | 2.79% |
| Alexander City, AL (FHA|USDA|VA) | 2 | $2,360,000 | $1,180,000 | $5,404 | 3.31% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 5 | $2,165,000 | $433,000 | $8,746 | 2.78% |
| Outside of Metro Areas | 4 | $2,160,000 | $540,000 | $6,359 | 2.97% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 5 | $2,145,000 | $429,000 | $5,601 | 2.93% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 7 | $2,025,000 | $289,286 | $4,133 | 2.93% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 7 | $1,975,000 | $282,143 | $5,331 | 3.09% |
| DECATUR, AL (FHA|USDA|VA) | 7 | $1,765,000 | $252,143 | $5,337 | 3.09% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 7 | $1,705,000 | $243,571 | $6,840 | 3.11% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 6 | $1,650,000 | $275,000 | $6,183 | 2.88% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 2 | $1,620,000 | $810,000 | $3,975 | 2.50% |
| READING, PA (FHA|USDA|VA) | 8 | $1,510,000 | $188,750 | $9,306 | 3.30% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 5 | $1,475,000 | $295,000 | $6,651 | 2.60% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 4 | $1,470,000 | $367,500 | $5,860 | 2.91% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 3 | $1,445,000 | $481,667 | $3,171 | 3.00% |
| PROVO-OREM, UT (FHA|USDA|VA) | 4 | $1,440,000 | $360,000 | $6,958 | 3.09% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 6 | $1,390,000 | $231,667 | $4,705 | 3.25% |
| MODESTO, CA (FHA|USDA|VA) | 4 | $1,380,000 | $345,000 | $3,603 | 3.19% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 6 | $1,370,000 | $228,333 | $3,961 | 2.38% |
| STOCKTON, CA (FHA|USDA|VA) | 3 | $1,355,000 | $451,667 | $5,522 | 2.96% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 4 | $1,350,000 | $337,500 | $7,552 | 2.69% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 6 | $1,330,000 | $221,667 | $3,460 | 3.21% |
| LANCASTER, PA (FHA|USDA|VA) | 5 | $1,325,000 | $265,000 | $8,719 | 2.90% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 3 | $1,115,000 | $371,667 | $3,838 | 3.33% |
| OCALA, FL (FHA|USDA|VA) | 4 | $1,100,000 | $275,000 | $5,214 | 3.09% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 5 | $1,095,000 | $219,000 | $6,313 | 3.05% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 4 | $1,090,000 | $272,500 | $9,366 | 2.63% |
| DULUTH, MN-WI (FHA|USDA|VA) | 5 | $1,075,000 | $215,000 | $6,748 | 2.88% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 3 | $1,065,000 | $355,000 | $4,190 | 3.25% |
| YUBA CITY, CA (FHA|USDA|VA) | 4 | $1,020,000 | $255,000 | $5,600 | 2.56% |
| ST. GEORGE, UT (FHA|USDA|VA) | 3 | $1,015,000 | $338,333 | $4,657 | 2.83% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 3 | $1,015,000 | $338,333 | $4,957 | 3.00% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 2 | $1,010,000 | $505,000 | $9,291 | 2.94% |
| FORT COLLINS, CO (FHA|USDA|VA) | 3 | $995,000 | $331,667 | $6,320 | 3.00% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 4 | $980,000 | $245,000 | $5,453 | 3.06% |
| Kalispell, MT (FHA|USDA|VA) | 2 | $940,000 | $470,000 | $6,588 | 3.13% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 4 | $940,000 | $235,000 | $4,847 | 3.16% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 3 | $885,000 | $295,000 | $5,923 | 3.50% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 5 | $885,000 | $177,000 | $7,580 | 2.88% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 1 | $875,000 | $875,000 | $13,565 | 3.00% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 2 | $870,000 | $435,000 | $4,783 | 3.00% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 3 | $865,000 | $288,333 | $6,706 | 3.08% |
| GAINESVILLE, FL (FHA|USDA|VA) | 5 | $855,000 | $171,000 | $2,659 | 3.33% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 3 | $835,000 | $278,333 | $4,645 | 2.96% |
| JACKSON, MS (FHA|USDA|VA) | 2 | $830,000 | $415,000 | $8,174 | 2.38% |
| PANAMA CITY, FL (FHA|USDA|VA) | 3 | $825,000 | $275,000 | $5,701 | 3.08% |
| GETTYSBURG, PA (FHA|USDA|VA) | 4 | $810,000 | $202,500 | $7,055 | 3.09% |
| Palatka, FL (FHA|USDA|VA) | 3 | $795,000 | $265,000 | $5,764 | 2.83% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 4 | $770,000 | $192,500 | $7,836 | 2.78% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 3 | $755,000 | $251,667 | $6,513 | 2.71% |
| FARGO, ND-MN (FHA|USDA|VA) | 3 | $755,000 | $251,667 | $5,592 | 2.67% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 3 | $745,000 | $248,333 | $3,311 | 3.33% |
| WACO, TX (FHA|USDA|VA) | 2 | $700,000 | $350,000 | $4,375 | 3.25% |
| COLUMBIA, SC (FHA|USDA|VA) | 3 | $685,000 | $228,333 | $7,662 | 2.92% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 3 | $675,000 | $225,000 | $3,749 | 3.04% |
| Albertville, AL (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $3,889 | 3.00% |
| Bozeman, MT (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $9,426 | 2.93% |
| BATON ROUGE, LA (FHA|USDA|VA) | 3 | $645,000 | $215,000 | $7,763 | 2.71% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 3 | $635,000 | $211,667 | $5,065 | 3.21% |
| NAPA, CA (FHA|USDA|VA) | 1 | $615,000 | $615,000 | $2,601 | 3.50% |
| TULSA, OK (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $4,112 | 2.81% |
| SPARTANBURG, SC (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $8,277 | 2.67% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $4,565 | 2.88% |
| Durango, CO (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $2,843 | 2.50% |
| ROCHESTER, MN (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $3,304 | 2.63% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $4,824 | 2.96% |
| Batesville, AR (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $3,434 | 3.50% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 3 | $525,000 | $175,000 | $5,134 | 3.08% |
| BOULDER, CO (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $3,558 | 3.25% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $10,177 | 2.88% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $4,383 | 2.69% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $5,495 | 3.00% |
| Payson, AZ (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $5,825 | 2.88% |
| MOBILE, AL (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $6,223 | 2.88% |
| COLUMBUS, OH (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $2,902 | 3.00% |
| MADISON, WI (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $12,415 | 2.63% |
| STAUNTON, VA (FHA|USDA|VA) | 3 | $455,000 | $151,667 | $7,598 | 2.83% |
| VISALIA, CA (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $6,031 | 2.94% |
| Cullowhee, NC (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $4,051 | 3.00% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $4,897 | 2.88% |
| LUBBOCK, TX (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $5,270 | 4.00% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $9,698 | 2.63% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 3 | $435,000 | $145,000 | $5,481 | 2.67% |
| Hutchinson, MN (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $10,479 | 2.63% |
| Stephenville, TX (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $9,177 | 2.63% |
| Price, UT (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $11,737 | 2.88% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $4,159 | 2.88% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $6,334 | 2.25% |
| Stillwater, OK (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $3,942 | 2.63% |
| SALEM, OR (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $8,458 | 3.13% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $4,557 | 2.75% |
| TWIN FALLS, ID (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $6,559 | 2.81% |
| PITTSBURGH, PA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $7,981 | 3.63% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $4,448 | 3.38% |
| RACINE, WI (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $9,332 | 2.69% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $7,353 | 3.38% |
| ST. CLOUD, MN (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $8,280 | 3.00% |
| GREEN BAY, WI (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $2,723 | 2.38% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $9,081 | 2.88% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $13,382 | 2.75% |
| Cedar City, UT (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $3,054 | 2.63% |
| BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $7,530 | 3.63% |
| Alamogordo, NM (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $6,228 | 2.25% |
| LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $5,490 | 2.25% |
| CEDAR RAPIDS, IA (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $5,314 | 2.63% |
| LAFAYETTE, LA (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $7,194 | 2.69% |
| DOVER, DE (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $6,977 | 3.13% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $6,662 | 2.63% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,416 | 3.75% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,946 | 2.50% |
| BURLINGTON, NC (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,995 | 3.38% |
| Minot, ND (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $8,202 | 3.63% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,305 | 3.50% |
| ASHEVILLE, NC (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $5,890 | 3.50% |
| Morehead City, NC (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,501 | 2.63% |
| Brainerd, MN (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,696 | 2.63% |
| Carlsbad-Artesia, NM (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $8,895 | 2.50% |
| Peru, IN (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $2,295 | 2.88% |
| ROCKFORD, IL (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $5,365 | 3.06% |
| Indiana, PA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $7,488 | 2.75% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,660 | 3.13% |
| Plymouth, IN (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $11,501 | 2.63% |
| Crossville, TN (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,152 | 2.63% |
| EL PASO, TX (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $12,918 | 2.38% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $7,474 | 2.63% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,477 | 3.13% |
| MORGANTOWN, WV (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $7,816 | 3.13% |
| Gillette, WY (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,097 | 3.38% |
| KANKAKEE, IL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $5,137 | 2.63% |
| Scottsboro, AL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,023 | 3.25% |
| APPLETON, WI (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $1,770 | 2.38% |
| LEBANON, PA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $11,856 | 2.63% |
| CARSON CITY, NV (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,265 | 3.00% |
| ROANOKE, VA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $10,894 | 2.75% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $1,267 | 2.75% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $10,000 | 2.63% |
| SANTA FE, NM (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $1,737 | 3.13% |
| Corsicana, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,085 | 3.00% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $13,590 | 3.13% |
| Ukiah, CA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,453 | 2.63% |
| Helena, MT (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,521 | 4.13% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $7,605 | 3.13% |
| Montrose, CO (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,467 | 2.13% |
| FARMINGTON, NM (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $11,357 | 2.63% |
| PUEBLO, CO (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,493 | 2.88% |
| Elko, NV (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,636 | 3.00% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,350 | 2.38% |
| SPRINGFIELD, IL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $6,227 | 2.63% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,891 | 3.63% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $12,377 | 2.75% |
| BILLINGS, MT (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $5,375 | 2.88% |
| Faribault-Northfield, MN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,582 | 2.50% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $10,496 | 2.75% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,390 | 2.88% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $10,361 | 2.63% |
| Rock Springs, WY (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,217 | 2.63% |
| FLINT, MI (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $7,177 | 2.88% |
| MIDLAND, MI (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $9,343 | 2.63% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,817 | 3.13% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $10,467 | 3.13% |
| ANNISTON-OXFORD, AL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,811 | 3.50% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $7,919 | 3.13% |
| TOLEDO, OH (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $7,184 | 3.63% |
| Aberdeen, WA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $9,533 | 2.63% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,628 | 2.38% |
| McAlester, OK (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,696 | 2.38% |
| SIOUX FALLS, SD (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $7,646 | 2.63% |
| LINCOLN, NE (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,810 | 2.63% |
| LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $7,510 | 2.75% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,781 | 2.63% |
| Malvern, AR (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,644 | 3.13% |
| RICHMOND, VA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $9,037 | 3.13% |
| Crawfordsville, IN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $8,441 | 2.75% |
| Cullman, AL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $6,888 | 2.63% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $6,027 | 3.88% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,299 | 2.63% |
| JACKSON, TN (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,657 | 3.38% |
| Vincennes, IN (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $1,492 | 2.88% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,939 | 2.13% |
| WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,130 | 3.63% |
| Fremont, NE (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,939 | 2.63% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,663 | 3.25% |
Florida Capital Bank's top markets include Los Angeles, San Francisco, San Jose, Jacksonville, and Minneapolis among others.
Product Mix
| Loan Type | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Conventional | 2,349 | $964,255,000 | $410,496 | $5,154 | 2.93% |
| VA | 208 | $71,750,000 | $344,952 | $7,479 | 2.60% |
| FHA | 206 | $49,510,000 | $240,340 | $9,048 | 2.78% |
| USDA | 31 | $6,385,000 | $205,968 | $6,706 | 2.97% |
For the 2021 period, Florida Capital Bank's most frequently originated loan type of loans were Conventional, with 2,349 originations. Their 2nd most popular type is VA, with 208 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Refi | 932 | $396,110,000 | $425,011 | $4,915 | 2.74% |
| Cash Out Refi | 919 | $351,645,000 | $382,639 | $6,089 | 2.95% |
| Home Purchase | 857 | $298,355,000 | $348,139 | $6,003 | 2.99% |
| Other | 83 | $45,025,000 | $542,470 | $4,873 | 2.92% |
| Home Improvement | 3 | $765,000 | $255,000 | $3,127 | 2.96% |
For the 2021, Florida Capital Bank's most frequently cited loan purpose of loans were Refi, with 932 originations. The 2nd most popular reason of loans were Cash Out Refi, with 919 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 30 Year | 2,300 | $960,570,000 | $417,639 | $5,864 | 2.96% |
| 15 Year | 303 | $81,715,000 | $269,686 | $4,637 | 2.47% |
| 20 Year | 130 | $34,100,000 | $262,308 | $3,977 | 2.76% |
| Other | 58 | $15,150,000 | $261,207 | $5,333 | 2.89% |
| 10 Year | 3 | $365,000 | $121,667 | $5,136 | 2.58% |
For the 2021, Florida Capital Bank's most frequently cited loan length of loans were 30 Year, with 2,300 originations. The 2nd most popular length of loans were 15 Year, with 303 originations.
Origination Fees
| Origination Fee | Originations | Total Value | Average Loan |
|---|---|---|---|
| $1k-2k | 1,098 | $489,040,000 | $445,392 |
| $<1k | 543 | $162,285,000 | $298,867 |
| $3k-4k | 482 | $150,720,000 | $312,697 |
| $5k+ | 349 | $195,285,000 | $559,556 |
| $2k-3k | 322 | $94,570,000 | $293,696 |
$5,864 of loans were Florida Capital Bank's average total fees, while their most frequently occuring range of origination fees were in the $1k-2k bucket, with 1,098 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2.5-3% | 1,447 | $609,205,000 | $421,012 |
| 3-4% | 822 | $265,750,000 | $323,297 |
| <2.5% | 512 | $213,490,000 | $416,973 |
| 4-5% | 12 | $3,150,000 | $262,500 |
| 5-6% | 1 | $305,000 | $305,000 |
During 2021, Florida Capital Bank's average interest rate of loans were 2.96%, while their most frequently originated rate bucket of loans were 2.5-3%, with 1,447 originations.
Loan Sizing
| Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $200k-400k | 1,354 | $386,630,000 | $285,547 | $5,343 | 2.89% |
| $100k-200k | 580 | $91,530,000 | $157,810 | $4,423 | 2.94% |
| $400k-600k | 409 | $195,335,000 | $477,592 | $6,330 | 2.89% |
| $600k-1MM | 265 | $211,695,000 | $798,849 | $7,356 | 2.87% |
| $1MM+ | 156 | $204,330,000 | $1,309,808 | $8,321 | 2.75% |
| $100,000 or less | 30 | $2,380,000 | $79,333 | $3,268 | 3.19% |
2021 saw Florida Capital Bank place emphasis on $200k-400k loans with 1,354 originations, totaling $386,630,000 in origination value.
Applicant Income
| Applicant Income | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $100k-150k | 631 | $205,165,000 | $325,143 | $5,665 | 2.91% |
| $150k-250k | 502 | $242,100,000 | $482,271 | $5,700 | 2.88% |
| $50k-75k | 497 | $111,265,000 | $223,873 | $5,082 | 2.95% |
| $75k-100k | 468 | $128,110,000 | $273,739 | $5,564 | 2.91% |
| $250k+ | 376 | $334,610,000 | $889,920 | $7,139 | 2.81% |
| $50k or less | 313 | $68,655,000 | $219,345 | $4,658 | 2.85% |
Florida Capital Bank lent most frequently to those with incomes in the $100k-150k range, with 631 originations. The second most popular income band? $150k-250k, with 502 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-30% | 635 | $279,075,000 | $439,488 | $5,386 | 2.83% |
| 30-36% | 502 | $206,690,000 | $411,733 | $5,706 | 2.92% |
| <20% | 277 | $126,505,000 | $456,697 | $5,236 | 2.80% |
| 41% | 124 | $38,180,000 | $307,903 | $5,964 | 2.92% |
| 44% | 118 | $39,040,000 | $330,847 | $5,844 | 3.05% |
| 38% | 117 | $49,615,000 | $424,060 | $6,161 | 2.96% |
| 37% | 106 | $44,610,000 | $420,849 | $5,740 | 2.94% |
| 42% | 105 | $35,385,000 | $337,000 | $5,416 | 3.06% |
| 43% | 103 | $28,595,000 | $277,621 | $5,072 | 3.03% |
| 40% | 96 | $33,510,000 | $349,063 | $5,763 | 2.95% |
| 39% | 94 | $35,730,000 | $380,106 | $6,027 | 2.97% |
| 36% | 90 | $40,470,000 | $449,667 | $5,981 | 2.83% |
| 45% | 74 | $22,140,000 | $299,189 | $5,496 | 2.94% |
| 49% | 68 | $21,770,000 | $320,147 | $6,093 | 2.93% |
| 46% | 64 | $20,740,000 | $324,063 | $5,985 | 2.97% |
| 48% | 48 | $14,930,000 | $311,042 | $6,258 | 2.83% |
| 47% | 42 | $12,510,000 | $297,857 | $6,184 | 2.96% |
| 50-60% | 32 | $8,910,000 | $278,438 | $7,627 | 2.89% |
| >60% | 5 | $2,545,000 | $509,000 | $5,686 | 3.28% |
Florida Capital Bank lent most frequently to those with DTI ratios of 20-30%, with 635 originations. The next most common DTI ratio? 30-36%, with 502 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 2,052 | $743,970,000 | $362,558 | $5,694 | 2.90% |
| Not provided | 416 | $173,590,000 | $417,284 | $5,488 | 2.92% |
| Asian | 209 | $136,515,000 | $653,182 | $4,960 | 2.74% |
| Black | 94 | $26,640,000 | $283,404 | $6,384 | 2.98% |
| Asian Indian | 5 | $3,765,000 | $753,000 | $7,235 | 2.78% |
| Other Asian | 4 | $3,090,000 | $772,500 | $5,752 | 3.31% |
| American Indian | 10 | $2,480,000 | $248,000 | $5,201 | 3.14% |
| Chinese | 1 | $865,000 | $865,000 | $3,797 | 2.63% |
| Native Hawaiian | 1 | $395,000 | $395,000 | $4,725 | 2.50% |
| Filipino | 1 | $325,000 | $325,000 | $2,954 | 3.75% |
| Other Pacific Islander | 1 | $265,000 | $265,000 | $7,298 | 3.00% |
Approval Rates
Total approvals of all applications85.17%
Florida Capital Bank has an average approval rate.
Pick Rate
Approvals leading to origination97.00%
Florida Capital Bank has an exceptionally high pick rate. They most likely have borrower friendly terms or other characteristics like being fast to close or are easy to work with.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 2,794 | $1,091,900,000 | $390,802 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2,794 | $1,091,900,000 | $390,802 |
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-40% | 149 | $68,365,000 | $458,826 | $4,498 | 2.71% |
| 40-60% | 540 | $270,550,000 | $501,019 | $4,890 | 2.75% |
| 60-80% | 1,187 | $474,235,000 | $399,524 | $5,656 | 2.95% |
| 80-100% | 883 | $268,285,000 | $303,834 | $6,152 | 2.93% |
| Over 100% | 17 | $4,825,000 | $283,824 | $11,019 | 2.82% |
| Under 20% | 15 | $4,855,000 | $323,667 | $4,795 | 3.04% |
Complaints
| Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| Florida Pro Mortgage LLC | Other type of mortgage | Closing on a mortgage | 1 | 100.0% |
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| Florida Capital Bank, National Association | 4830 West Kennedy Blvd Tampa, FL 33609 | Full Service B&M | $34,174 |
| Florida Capital Bank, National Association | 1000 Legion Place, Suite 1250 Orlando, FL 32801 | Full Service B&M | $87,169 |
| Florida Capital Bank, National Association | 10151 Deerwood Park Blvd Bldg 100 Ste 200 Jacksonville, FL 32256 | Full Service B&M | $0 |
| Florida Capital Bank, National Association | 10151 Deerwood Park Blvd, Bldg 100, Suite 200-A Jacksonville, FL 32256 | Full Service B&M | $245,270 |
| Florida Capital Bank, National Association | 241 Sw 7th Terrace Gainesville, FL 32601 | Full Service B&M | $34,159 |
For 2021, Florida Capital Bank had 5 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $14,073 |
| Net interest income | $12,272 |
| Total noninterest income | $23,532 |
| Gross Fiduciary activities income | $0 |
| Service charges on deposit accounts | $647 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $22,885 |
| Pre-tax net operating income | $5,662 |
| Securities gains (or losses, -) | $0 |
| Income before extraordinary items | $4,787 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $4,787 |
| Minority interest net income | $0 |
| Net income | $4,787 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $4,787 |
Florida Capital Bank's gross interest income from loans was $14,073,000.
Florida Capital Bank's net interest income from loans was $12,272,000.
Florida Capital Bank's fee based income from loans was $647,000.
Florida Capital Bank's net income from loans was $4,787,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $1,801 |
| Provision for credit losses | $430 |
| Total noninterest expense | $29,712 |
| Salaries and employee benefits | $20,613 |
| Premises and equipment expense | $1,318 |
| Additional noninterest expense | $7,781 |
| Applicable income taxes | $875 |
| Net charge-offs | $577 |
| Cash dividends | $0 |
Florida Capital Bank's interest expense for loans was $1,801,000.
Florida Capital Bank's payroll and benefits expense were $20,613,000.
Florida Capital Bank's property, plant and equipment expenses $1,318,000.
Loan Performance
| Type of Loan | % of Loans Noncurrent (30+ days, end of period snapshot) |
|---|---|
| All loans | 0.0% |
| Real Estate loans | 0.0% |
| Construction & Land Development loans | 0.0% |
| Nonfarm, nonresidential loans | 2.0% |
| Multifamily residential loans | 0.0% |
| 1-4 family residential loans | 0.0% |
| HELOC loans | 0.0% |
| All other family | 0.0% |
| Commercial & industrial loans | 3.0% |
| Personal loans | 0.0% |
| Credit card loans | 0.0% |
| Other individual loans | 0.0% |
| Auto loans | 0.0% |
| Other consumer loans | 0.0% |
| Unsecured commercial real estate loans | 0.0% |
Deposits
| Type | Value (in 000's) |
|---|---|
| Total deposits | $375,508 |
| Deposits held in domestic offices | $375,508 |
| Deposits by Individuals, partnerships, and corporations | $373,025 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $2,484 |
| Deposits by Commercial banks and other depository institutions in U.S. | $0 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $224,461 |
| Demand deposits | $163,079 |
| Nontransaction accounts | $151,048 |
| Money market deposit accounts (MMDAs) | $91,552 |
| Other savings deposits (excluding MMDAs) | $4,103 |
| Total time deposits | $55,393 |
| Total time and savings deposits | $212,430 |
| Noninterest-bearing deposits | $163,647 |
| Interest-bearing deposits | $211,861 |
| Retail deposits | $341,106 |
| IRAs and Keogh plan accounts | $6,175 |
| Brokered deposits | $27,440 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $442,133 |
| Cash & Balances due from depository institutions | $106,768 |
| Interest-bearing balances | $98,929 |
| Total securities | $16,535 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $296,915 |
| Loan and leases loss allowance | $4,352 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $738 |
| Other real estate owned | $97 |
| Goodwill and other intangibles | $261 |
| All other assets | $20,819 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $442,133 |
| Total Liabilities | $379,065 |
| Total deposits | $375,508 |
| Interest-bearing deposits | $211,861 |
| Deposits held in domestic offices | $375,508 |
| % insured (estimated) | $41 |
| Federal funds purchased and repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $534 |
| Subordinated debt | $0 |
| All other liabilities | $3,023 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $296,915 |
| Loan and leases loss allowance | $4,352 |
| Total loans and leases (domestic) | $301,267 |
| All real estate loans | $215,203 |
| Real estate loans in domestic offices | $215,203 |
| Construction and development loans | $7,656 |
| Residential 1-4 family construction | $78 |
| Other construction, all land development and other land | $7,578 |
| Loans secured by nonfarm nonresidential properties | $85,048 |
| Nonfarm nonresidential secured by owner-occupied properties | $39,869 |
| Commercial real estate & other non-farm, non-residential | $45,179 |
| Multifamily residential real estate | $370 |
| 1-4 family residential loans | $120,706 |
| Farmland loans | $1,423 |
| Loans held in foreign offices | $0 |
| Farm loans | $0 |
| Commercial and industrial loans | $31,409 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $0 |
| Credit card loans | $0 |
| Related Plans | $0 |
| Consumer Auto Loans | $0 |
| Other loans to individuals | $0 |
| All other loans & leases | $54,655 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $54,655 |
| Loans to depository institutions and acceptances of other banks | $0 |
| Loans not secured by real estate | $0 |
| Loans secured by real estate to non-U.S. addressees | $0 |
| Restructured Loans & leases | $1,552 |
| Non 1-4 family restructured loans & leases | $1,552 |
| Total loans and leases (foreign) | $0 |
Florida Capital Bank had $296,915,000 of loans outstanding in 2021. $215,203,000 of loans were in real estate loans. $7,656,000 of loans were in development loans. $370,000 of loans were in multifamily mortgage loans. $120,706,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $0 of loans were in the auto loan category.
Small Business Loans
| Categorization | # of Loans in Category | $ amount of loans (in 000's) | Average $/loan |
|---|---|---|---|
| Nonfarm, nonresidential loans - <$1MM | 85 | $34,952 | $411,200 |
| Nonfarm, nonresidential loans - <$100k | 8 | $459 | $57,375 |
| Nonfarm, nonresidential loans - $100-250k | 22 | $3,964 | $180,182 |
| Nonfarm, nonresidential loans - $250k-1MM | 55 | $30,529 | $555,073 |
| Commercial & Industrial, US addressed loans - <$1MM | 136 | $15,701 | $115,449 |
| Commercial & Industrial, US addressed loans - <$100k | 96 | $3,554 | $37,021 |
| Commercial & Industrial, US addressed loans - $100-250k | 20 | $3,283 | $164,150 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 20 | $8,864 | $443,200 |
| Farmland loans - <$1MM | 1 | $222 | $222,000 |
| Farmland loans - $100-250k | 1 | $222 | $222,000 |
