Bank · FDIC insured
Climate First Bank
Top CarrotA $1.9B bank headquartered in St. Petersburg, FL, with 4 branches in Florida. Best rates: CDs 4.39% and savings 4.01% APY.
Climate First Bank Carrot Score
Carrot ScoreTop Carrot
Higher than 99% of U.S. banks and credit unions
#1 of 37 in Orlando, FL metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Climate First Bank
Launched in 2021, Climate First Bank was founded to combat the climate crisis and create a bank centering the planet, people, and profit.
Operating under parent company Climate First Bancorp, the institution specializes in clean energy financing, rooftop solar, renewable energy, building retrofits, and EV charging.
- Headquarters
- 182 37th Ave N, St. Petersburg, FL 33704
- FDIC certificate
- 59257 ↗
Branches
4 branches in Florida
Loading map…
Florida
4 branches
Orlando area · 3
- Mount Dora Branch2755 E Orange Ave, Eustis, FL 32726Directions
- Orlando Branch215 E Livingston St, Orlando, FL 32801Directions
- Winter Park Branch1150 S Orlando Ave, Winter Park, FL 32789Directions
Tampa area · 1
- Climate First BankMain office182 37th Ave N, St. Petersburg, FL 33704Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.66% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.12% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.22% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $108 | $88 | — |
- CapitalLeverage ratio9.66%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.12%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.22%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$108Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Climate First Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.