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Financial Strength & Stability

Last Updated: February, 2024

One of Florida’s Largest and Most Capitalized Banks


Since 1946, we have played a significant role in Florida's economic transformation, contributing to its rise as the 4th largest economy in the United States1.

Our success is rooted in the success of our clients, and we enable our associates to develop lifelong relationships with our commercial, private, and retail banking clients. Our focus is on partnering with our clients to achieve their life goals, which drives our agility, inspires entrepreneurial spirit, and fosters trusted relationships that fuel growth.

Our 77 years of experience have allowed us to build a fortress balance sheet based on our:

  • Excess capital position
  • Ample liquidity
  • Strong asset quality

Moreover, we are proud to be supported by our parent company, Banco de Crédito e Inversiones (Bci), one of Latin America's largest banks and the second-largest bank in Chile. Our partnership with Bci grants us access to best-in-class resources from a much larger institution while maintaining our nimble approach to business management.

Financial Health (as of 12/31/2023):

FDIC Certificate 20234
Banking Locations 30
Employees 916
Year Founded 1946
Primary Regulator Office of the Comptroller of the Currency


Assets and Liabilities (as of 12/31/2023):

Assets $26.1 B
Loans $17.4 B
Deposits $21.0 B
Tier 1 Capital $2.7 B
Loan Loss Allowance $151MM
Non-Performing Loan Ratio 0.46%
% of Investment Portfolio Backed by U.S. Government 99%


Ratings (as of 12/31/2023):

Bauer Financial Five (5) Star- Superior2
Community Reinvestment Act (CRA) Outstanding3
DepositAccounts.com A4


Capitalization (as of 12/31/2023):

City National Bank of Florida Well Capitalized Threshold Excess Capital
Total Risk Based Capital Ratio 13.92% 10.00% $723MM
Tier 1 Risk Based Capital Ratio 14.72% 10.00% $899MM
Tier 1 Leverage Ratio 13.93% 8.00% $1.1B


Loan Ratios (as of 12/31/2023):

City National Bank of Florida Peer Average
Non-Performing + OREO Loans/Loans + OREO 0.46% 0.57%

1 Source:  www.wikepedia.org as of December 31, 2022
2 Source:  www.BauerFinancial.com as of December 31, 2021
3 Source:  www.ffeic.gov as of August 2, 2021
4 Source:  www.depositaccounts.com as of March 10, 2023

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Florida’s Premier Bank

Serving local families and businesses since 1946

One of Florida’s largest and best capitalized banks with more than $26 billion in assets*
*Source: As of 12/31/2022, www.fdic.gov
Bauer Financial 5-Star
Superior Rating*
*Source: As of 12/31/2021, www.bauerfinancial.com
Highest Community Reinvestment Act (CRA) Rating*
*Source: "Outstanding" As of 08/02/2021, www.ffiec.gov
Daily Business Review Best of 2023 Hall of Fame*
  • Best Bank for Jumbo Loans
  • Best Foreign National Mortgage Lender
  • Best Private Banking
  • Best Wealth Management
  • Best Community Bank
  • Best Business Bank
  • Best Bank for Commercial Real Estate Lending
*Source: Best of Daily Business Review 2023, www.law.com

FINANCIAL EDUCATION PROGRAM

Take control of your finances and make your money work for you

The FDIC Money Smart Program is designed to boost your financial skills. You can explore Money Smart resources, as they are available 24/7.

These tools are free of charge and available for all, so remember to share the tools with your family and friends.

Explore The FDIC Money Smart Program

Please note: City National Bank of Florida does not offer tax, legal or accounting advice

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