Climate First Bank
Saint Petersburg, FL
IDRSSD: 5592340
Total Assets
$1.39B
Latest filing
Total Deposits
$1.20B
Latest filing
Net Interest Margin
3.80%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Climate First Bank
182 37th Ave N
Saint Petersburg, FL 33704
Full Service - Brick and Mortar
Updated 11/14/2025Established 06/01/2021FDIC Certificate 627463
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Climate First Bank (Main) | 182 37th Ave N | Saint Petersburg, FL |
| WINTER PARK BRANCH | 1150 S Orlando Ave | Winter Park, FL |
| MOUNT DORA BRANCH | 2755 E Orange Ave | Eustis, FL |
Showing 2 of 2
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 06/01/2021 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 33704 |
| State and County Number | 12103 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Tampa-St. Petersburg-Clearwater, FL |
Operational Info
| Number of Employees | 119 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 10/30/2023 |
| Date of Deposit Insurance | 06/01/2021 |
| Primary Insurance Agency | DIF |
| Website | www.climatefirstbank.com |
| Data Updated | 11/14/2025 |
| CERT | 59257 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.39B |
| Total Deposits | $1.20B |
| Total Liabilities | $1.27B |
| Total Equity Capital | $120.74M |
| Net Income | $3.95M |
| Net Loans and Leases | $1.17B |
| Assets Per Employee ($Millions) | $10.59M |
| Bank Premises and Fixed Assets | $14.46M |
| Cash and Balances due from Depository Institutions | $170.50M |
| Deposits Held in Domestic Offices | $1.20B |
Key Performance Ratios
| Return on Assets (ROA) | 1.23% |
| Return on Equity (ROE) | 13.89% |
| Net Interest Margin | 3.8% |
| Efficiency Ratio | 48.49% |
| Tier 1 Risk-Based Capital Ratio | 9.158% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.55% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.707% |
| Earning Assets to total Assets | 96.89% |
Income and Expense
| Total Interest Income | $23.07M |
| Total Noninterest Income | $1.82M |
| Total Interest Expense | $11.28M |
| Total Noninterest Expense | $6.60M |
| Net Interest Income | $11.79M |
| Pre-tax Net Operating Income | $5.25M |
| Provision for Credit Losses | $1.77M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $61.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $7.26M |
| Total Liabilities and Capital | $1.39B |
Securities
| Securities | $3.56M |
| Available-for-sale debt securities | $3.56M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Climate First Bank?
$1.39B as of the latest filing.
How much are Climate First Bank's total deposits?
$1.20B in total deposits.
Where is Climate First Bank located?
Saint Petersburg, FL.
What is the Net Interest Margin?
3.80%.
How many domestic offices does it operate?
3.
When was it established?
06/01/2021.
What is the Return on Assets (ROA)?
1.23%.
How much are total loans and leases?
$1.17B (latest filing).
What is the total interest income (latest filing)?
$23.07M.