Marine Bank & Trust Company
Vero Beach, FL
IDRSSD: 2587916
Total Assets
$635.11M
Latest filing
Total Deposits
$573.85M
Latest filing
Net Interest Margin
2.95%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Marine Bank & Trust Company
571 Beachland Blvd
Vero Beach, FL 32963
Full Service - Brick and Mortar
Updated 11/14/2025Established 07/01/1997FDIC Certificate 56992
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Marine Bank & Trust Company (Main) | 571 Beachland Blvd | Vero Beach, FL |
| SEBASTIAN BRANCH | 1020 Us Highway 1 | Sebastian, FL |
| PELICAN BRANCH | 1450 Us Highway 1 | Vero Beach, FL |
| MELBOURNE BRANCH | 3303 Suntree Blvd | Melbourne, FL |
| FORT PIERCE BRANCH | 603 N Indian River Dr | Fort Pierce, FL |
Showing 4 of 4
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 | 07/01/1997 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 32963 |
| State and County Number | 12061 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| 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 | Sebastian-Vero Beach, FL |
Operational Info
| Number of Employees | 73 |
| Domestic Offices | 5 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 07/01/1997 |
| Primary Insurance Agency | DIF |
| Website | www.marinebankandtrust.com |
| Data Updated | 11/14/2025 |
| CERT | 34233 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $635.11M |
| Total Deposits | $573.85M |
| Total Liabilities | $586.58M |
| Total Equity Capital | $48.53M |
| Net Income | $1.06M |
| Net Loans and Leases | $448.94M |
| Assets Per Employee ($Millions) | $8.82M |
| Bank Premises and Fixed Assets | $9.33M |
| Cash and Balances due from Depository Institutions | $19.54M |
| Deposits Held in Domestic Offices | $573.85M |
Key Performance Ratios
| Return on Assets (ROA) | 0.67% |
| Return on Equity (ROE) | 9.14% |
| Net Interest Margin | 2.95% |
| Efficiency Ratio | 71.26% |
| Tier 1 Risk-Based Capital Ratio | 14.524% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.641% |
| Earning Assets to total Assets | 94.22% |
Income and Expense
| Total Interest Income | $7.35M |
| Total Noninterest Income | $507.00k |
| Total Interest Expense | $2.95M |
| Total Noninterest Expense | $3.49M |
| Net Interest Income | $4.40M |
| Pre-tax Net Operating Income | $1.41M |
| Provision for Credit Losses | $0 |
| 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 | $10.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.73M |
| Total Liabilities and Capital | $635.11M |
Securities
| Securities | $137.32M |
| Available-for-sale debt securities | $135.32M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $2.00M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Marine Bank & Trust Company?
$635.11M as of the latest filing.
How much are Marine Bank & Trust Company's total deposits?
$573.85M in total deposits.
Where is Marine Bank & Trust Company located?
Vero Beach, FL.
What is the Net Interest Margin?
2.95%.
How many domestic offices does it operate?
5.
When was it established?
07/01/1997.
What is the Return on Assets (ROA)?
0.67%.
How much are total loans and leases?
$448.94M (latest filing).
What is the total interest income (latest filing)?
$7.35M.