What is Flagship Bank's financial health grade?

Flagship Bank has a TFS Financial Health Grade of D+ (score: 70.0/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Flagship Bank have?

Flagship Bank has 7 branch locations across the United States.

Is Flagship Bank FDIC insured?

Yes, Flagship Bank is FDIC insured (Certificate #58113).

What are the total assets of Flagship Bank?

Flagship Bank has total assets of $738.7M as reported in its most recent FDIC filing.

Flagship Bank

BankClearwater, Florida

http://www.flagshipbank.com

Total Assets

$738.7M

Total Deposits

$602.1M

Branches

Established

2006

TFS Health Grade

D+

70.0 / 100

Below average financial health

How we grade

Flagship Bank is a bank headquartered in Clearwater, Florida, established in 2006. With $738.7M in total assets and 7 branch locations, it has a TFS Financial Health Grade of D+ (70.0/100).

Capital & Safety

Tier 1 Capital Ratio

11.78%(8%)

Total Capital Ratio

0.00%(10%)

Non-Performing Loan Ratio

0.13%

Profitability

Return on Assets (ROA)

1.02%(1%)

Return on Equity (ROE)

7.92%(10%)

Net Interest Margin

3.58%

Efficiency Ratio

59.89%(60%)

Lending & Liquidity

Total Loans

$581.8M

Loan-to-Deposit Ratio

95.66%

Net Charge-Off Ratio

0.04%

Growth

Asset Growth (YoY)

+13.26%

Deposit Growth (YoY)

+7.84%

Net Income

$7.1M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
Flagship BankHQ	29750 Us Highway 19 N	Clearwater	FL	11
Flagship Bank	27950 Us Highway 19 North	Clearwater	FL	27
Flagship Bank	3320 E Bay Dr	Largo	FL	11
Flagship Bank	4095 Tampa Rd	Oldsmar	FL	11
Flagship Bank	3303 4th St N	Saint Petersburg	FL	11
Flagship Bank	1101 S Pinellas Ave	Tarpon Springs	FL	11
Flagship Bank	9040 Tryfon Blvd Ste A102	Trinity	FL	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.