Vitals
  • Total Assets
    1.8B 3.5 %
  • Total Deposits
    1.5B 5.5 %
  • Total Net Loans
    1.1B 8.6 %
  • Net Income
    9.2M 76.9 %
  • Book Value
    208.5M -2.3 %
  • Book Value x2
    416.9M -2.3 %
  • Book Value x3
    625.4M -2.3 %
ROAA

.523

ROAE

4.316

Efficiency Ratio

76.432

Net Interest Margin

3.745

Balance Sheet Highlights
Financial Highlights Harbor Community Bank All Insured Commercial Banks in Florida
Balance Sheet $(000)
Total Assets 1,790,645 586,559
Total Net Loans 1,069,818 397,788
Total Deposits 1,503,231 483,997
Total Equity 208,460 60,775
Profitability
Net Income 9,220 4,381
Return on Average Assets .523 .706
Return on Average Equity 4.316 6.893
Net Interest Margin 3.745 3.553
Efficiency Ratio 76.432 74.427
Noninterest Income/Revenue 14.544 15.578
Balance Sheet Ratios
Loan-to-Deposit 71.168 80.705
Securities/Assets .293 .17
Total Equity/Total Assets .116 .104
Tangible Equity/Tangible Assets .103 .1
Capital Adequacy
Tier 1 Common Capital 189,354 55,412
Tier 1 Capital 189,354 55,855
Tier 2 Capital 4,844 4,271
Total Capital 194,198 60,316
Total Risk Weighted Assets 1,182,298 416,967
Leverage Ratio 10.7 10.155
Common Equity Tier 1 Capital Ratio 16.02 14.982
Tier 1 Capital Ratio 16.02 15.063
Total Capital Ratio 16.43 16.194

Timeline for Harbor Community Bank

Florida Citizens Bank

Acquisition: Harbor Community Bank acquired a new subsidiary, Florida Citizens Bank, 8 years

View Profile Dec 05 2015

First America Bank

Acquisition: Harbor Community Bank acquired a new subsidiary, First America Bank, 9 years

View Profile May 09 2015

Highlands Independent Bank

Acquisition: Harbor Community Bank acquired a new subsidiary, Highlands Independent Bank, 9 years

View Profile Oct 25 2014

Bank Of St. Augustine

Acquisition: Harbor Community Bank acquired a new subsidiary, Bank Of St. Augustine, 10 years

View Profile Aug 29 2013

Putnam State Bank

Acquisition: Harbor Community Bank acquired a new subsidiary, Putnam State Bank, 11 years

View Profile Jun 16 2012

Want to see more?

Complete timeline for Harbor Community Bank is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Florida Citizens Bank Seller 237,794 Acquisition Discontinued 12/5/2015
First America Bank Seller 269,777 Acquisition Discontinued 5/9/2015
Highlands Independent Bank Seller 243,688 Acquisition Discontinued 10/25/2014
Bank Of St. Augustine Seller 164,335 Acquisition Discontinued 8/29/2013
Putnam State Bank Seller 169,489 Failure 6/16/2012
Relationships Role Relationship Start Relationship End
Hcbf Holding Company, Inc. Parent 6/16/2012
Hcbf Holding Company, Inc. Parent 7/21/2011 6/15/2012
Hcbf Holding Company, Inc. Parent 2/17/2011 7/20/2011
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