Explore the banking institutions serving the Tampa commercial real estate market. The rankings below use FDIC data to compare institutions by assets, deposits, branch presence, and CRE lending — not by CRE lending activity itself, which FDIC data can only establish for banks actually headquartered here.
Largest Banking Institutions in Tampa, by Assets
Institutions headquartered in the Tampa metro. Ranked by total (bank-wide) assets — not a measure of Tampa-specific size, which FDIC data can't establish (see Sources).
| # | Institution | Total assets |
|---|---|---|
| 1 | Raymond James Bank | $45.60bn |
| 2 | The Bank of Tampa | $3.02bn |
| 3 | Climate First Bank | $1.94bn |
| 4 | BayFirst National Bank | $1.14bn |
| 5 | Flagship Bank | $0.80bn |
| 6 | BankFlorida | $0.46bn |
| 7 | Waterfall Bank | $0.41bn |
| 8 | Central Bank | $0.39bn |
| 9 | TCM Bank, National Association | $0.38bn |
| 10 | First National Bank of Pasco | $0.28bn |
| 11 | Century Bank of Florida | $0.10bn |
| 12 | Members Trust Company | $0.03bn |
Largest CRE Books, Headquartered in Tampa
Same population as the assets table above — not branch presence, which would seat a national bank's entire balance sheet here on the strength of a single branch. Ranked by current-quarter investor CRE loans (construction, multifamily, non-owner-occupied commercial), $100 million floor.
| # | Institution | CRE book |
|---|---|---|
| 1 | Raymond James Bank | $4.04bn |
| 2 | The Bank of Tampa | $0.57bn |
| 3 | Climate First Bank | $0.51bn |
| 4 | Flagship Bank | $0.37bn |
| 5 | Waterfall Bank | $0.25bn |
| 6 | BankFlorida | $0.17bn |
| 7 | Central Bank | $0.14bn |
| 8 | BayFirst National Bank | $0.13bn |
9 money-center/specialty charters excluded from population, same list as the state CRE-size pages.
Largest Banks in Tampa, by Deposits
Institutions with at least one Tampa branch. Ranked by deposits actually booked at a Tampa office — real local presence, unlike the assets table above.
| # | Institution | Tampa deposits | Tampa branches | Largest office |
|---|---|---|---|---|
| 1 | Bank of America, National Association | $14.46bn | 64 | 9% |
| 2 | Truist Bank | $13.32bn | 85 | 32% |
| 3 | Wells Fargo Bank, National Association | $12.53bn | 59 | 29% |
| 4 | JPMorgan Chase Bank, National Association | $8.00bn | 62 | 4% |
| 5 | Regions Bank | $7.47bn | 58 | 17% |
| 6 | Fifth Third Bank, National Association | $4.42bn | 45 | 22% |
| 7 | Valley National Bank | $3.93bn | 12 | 18% |
| 8 | The Bank of Tampa | $2.63bn | 11 | 28% |
| 9 | Synovus Banknow Pinnacle Bank | $2.36bn | 14 | 40% |
| 10 | PNC Bank, National Association | $2.14bn | 20 | 36% |
| 11 | Bank OZK | $1.97bn | 16 | 13% |
| 12 | TD Bank, National Association | $1.83bn | 23 | 22% |
| 13 | SouthState Bank, National Association | $1.21bn | 10 | 17% |
| 14 | Hancock Whitney Bank | $1.01bn | 7 | 33% |
| 15 | Centennial Bank | $0.97bn | 11 | 52% |
Raymond James Bank reports $38.36B of deposits at 1 Tampa-area office and is not ranked here. Centennial Bank: $0.5B of its Tampa deposits are booked at a single Dade City office; its other 10 Tampa branches hold $0.5B. Deposits are as FDIC reports them, by the office where they are booked - not necessarily where the underlying relationship or customer is.
Banks With the Most Tampa Branches
Same population as the deposits table above, ranked by branch count.
| # | Institution | Tampa branches | Tampa deposits |
|---|---|---|---|
| 1 | Truist Bank | 85 | $13.32bn |
| 2 | Bank of America, National Association | 64 | $14.46bn |
| 3 | JPMorgan Chase Bank, National Association | 62 | $8.00bn |
| 4 | Wells Fargo Bank, National Association | 59 | $12.53bn |
| 5 | Regions Bank | 58 | $7.47bn |
| 6 | Fifth Third Bank, National Association | 45 | $4.42bn |
| 7 | TD Bank, National Association | 23 | $1.83bn |
| 8 | PNC Bank, National Association | 20 | $2.14bn |
| 9 | Bank OZK | 16 | $1.97bn |
| 10 | Synovus Banknow Pinnacle Bank | 14 | $2.36bn |
| 11 | Valley National Bank | 12 | $3.93bn |
| 12 | Centennial Bank | 11 | $0.97bn |
| 13 | The Bank of Tampa | 11 | $2.63bn |
| 14 | SouthState Bank, National Association | 10 | $1.21bn |
| 15 | Cadence Banknow The Huntington National Bank | 7 | $0.71bn |
Raymond James Bank reports $38.36B of deposits at 1 Tampa-area office and is not ranked here.
What does this mean for CRE borrowers?
Bank size, deposits, and local branch presence are useful indicators of an institution's scale and footprint in Tampa, but they don't tell you a bank's CRE lending appetite, property-type focus, or how it prices a deal like yours. A bank near the top of these lists may not lend on your property type at all; a bank you've never heard of may be exactly the right fit. Use Lender Compass to identify lenders based on property type, loan type, geography, and other deal characteristics — not bank size alone.
Sources & methodology
Geography: the Tampa-St. Petersburg-Clearwater MSA (FDIC MSA code 45300) — not statewide, not a hand-assembled county list. Every branch and institution figure above is scoped to this MSA using FDIC's own MSA classification.
Assets and CRE book tables use institutions whose main office is registered in the Tampa MSA, not merely a branch — a bank's total assets or CRE book has no geographic allocation to a single branch, so a branch-presence population would seat a national bank's entire balance sheet here on the strength of one office. Active institutions only, checked against FDIC's current status, not a fixed list — a bank that merges away next quarter drops out automatically.
Deposits and branch-count tables use any institution with a Tampa branch, since FDIC's Summary of Deposits survey specifically allocates deposits to the office where they're booked — the one figure that genuinely reflects local presence. Recently-merged institutions are shown under their prior charter with the successor named, since the historical Tampa presence is real regardless of what happened to the charter since; when the successor also lands in the same table, a note states the combined figure.
CRE book means investor commercial real estate loans — construction & land development, multifamily (5+ unit residential), and non-owner-occupied commercial property — per FDIC Call Report Schedule RC-C. It excludes owner-occupied CRE, which is reported separately and generally reflects a business's own real estate rather than third-party lending.