Bank · FDIC insured
FLCBank
A $713.1M bank headquartered in Jacksonville, FL, with 4 branches in Florida. Best rates: CDs 3.35% and savings 0.20% APY.
FLCBank Carrot Score
61
Carrot Score
Higher than 3% of U.S. banks and credit unions
#50 of 54 in Tampa, FL metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About FLCBank
Originally started as a Jacksonville community bank, Florida Capital Bank is now nationally chartered with branch offices located in Gainesville, Jacksonville, Orlando, and Tampa Bay.
The bank focuses on community business banking and providing business bank accounts alongside consumer banking products.
- Headquarters
- 10151 Deerwood Park Blvd Bldg 100 Ste 200, Jacksonville, FL 32256
- FDIC certificate
- 26323 ↗
Branches
4 branches in Florida
Loading map…
Florida
4 branches
Gainesville area · 1
- Gainesville Branch241 Sw 7th Ter, Gainesville, FL 32601Directions
Jacksonville area · 1
- Jacksonville Branch10151 Deerwood Park Blvd, Jacksonville, FL 32256Directions
Orlando area · 1
- Orlando Branch1000 Legion Pl, Orlando, FL 32801Directions
Tampa area · 1
- Tampa Bay Area Branch4830 W Kennedy Blvd, Tampa, FL 33609Directions
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 | 9.77% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.16% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.98% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $85 | $81 | — |
- CapitalLeverage ratio9.77%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.16%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.98%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$85Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 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 FLCBank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.