City National Bank of Florida

Headquarters

25 W Flagler St
Miami, FL 33130
See all branch locations →

Notable Rates	APY	Vs.Others
Savings	N.A.	5.50% →
1-Year CD	N.A.	4.65% →
2-Year CD	N.A.	4.25% →
5-Year CD	N.A.	4.00% →
30-Year Mortgage	N.A.	4.91% →
15-Year Mortgage	N.A.	4.39% →
HELOC	N.A.	0.99% →

Overview
Deposit Rates
Loan Rates
Branches
Climate
Financial Details
FAQs
Reviews

2024 Overview

General Bank Information

City National Bank of Florida is an FDIC insured institution located in Miami, FL. It was founded in 1970 and has approximately $26.2 billion in assets. Customers can open an account at one of its 26 branches.


FDIC Insured	Yes
FDIC Certificate	# 20234
Date Established	1970
Assets	$ 26.20 billion
Loans	$ 17.55 billion
Deposits	$ 20.97 billion
Capital	$ 2.41 billion

For a more detailed analysis of City National Bank of Florida's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - December 24, 2024

Your Current Location: Ohio, OH 43085

Online Only CD Rates of TotalDirect, a division of City National Bank of Florida

Online CD Rates	APY	MIN	MAX
3 Month CD	4.91%	$25,000	-	Learn More Reviews
12-Month CD	4.50%	$25,000	-	Learn More Reviews
24-Month CD	4.00%	$25,000	-	Learn More Reviews
36-Month CD	3.56%	$25,000	-	Learn More Reviews
60-Month CD	3.50%	$25,000	-	Learn More Reviews

Bank Online Offers

Total Direct Bank Drop Money Market Rate to 5.11% APY

Oct 17, 2024

The drop is a 15 basis point drop from 5.26%.

Total Direct Bank's Money Market is now At 5.01% APY ($25,000 minimum)

Nov 22, 2024

Total Direct recently lowered its online money market rate from 5.11% to 5.01% APY. The account requires a $25,000 minimum.

Loan Rates - December 24, 2024

Your Current Location: Ohio, OH 43085

There are currently no loan rates available for City National Bank of Florida

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Ohio 30 Year Fixed Mortgage Rates 2024

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 66247	6.804%	6.750% 0.50 points $1,770 fees	$2,076	Learn More
NMLS ID: 1025894	6.977%	6.875% 0.88 points $3,334 fees	$2,103	Learn More
NMLS ID: 3030	7.463%	7.375% 0.88 points $2,800 fees	$2,211	Learn More
NMLS ID: 3029		points fees		Learn More

See More Mortgage Rates →

Featured - Ohio Home Equity Line Of Credit Rates 2024

Lender	APR (%)^?	Monthly Payment^?	Learn More
Third Federal Savings and Loan See Table	Intro APR 6.990 % After Intro: 6.990 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period
Rate See Table	Intro APR 7.900 % After Intro: 7.900 %	$25,000	Learn More More Info
A Guaranteed Rate HELOC is secured with your home as collateral, whereas personal loans and credit cards are not. To check the rates and terms you qualify for, we will conduct a soft credit pull that will not affect your credit score. However, if you continue and submit an application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit. Approval may be granted in five minutes but is ultimately subject to verification of income and employment, as well as verification that your property is in at least average condition with a property condition report. Five business day funding timeline assumes closing the loan with our remote online notary. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing. Guaranteed Rate Home Equity Line is an open-end product where the full loan amount (minus lender, broker, third party, and governement fees, as applicable) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw. Apply in 5 minutes, get your money in as fast as 5 days. Digital application experience. Funds directly to your bank account. No in-person appraisal needed.

See More Home Equity Rates →

Note to City National Bank of Florida
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Branches

City National Bank of Florida branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Columbus,Ohio

City National Bank of Florida Locations around zip code 43085

Branch	Distance	Map	View Lobby Hours
Winter Park Branch	790.51	A	View Lobby Hours
Central Florida Branch	793.39	B	View Lobby Hours
Delray Beach Branch	946.79	C	View Lobby Hours
Boca Del Mar	951.51	D	View Lobby Hours
Boca Raton Branch	953.53	E	View Lobby Hours
Coral Springs Branch	959.18	F	View Lobby Hours
Pompano Beach Branch	961.03	G	View Lobby Hours
Las Olas Branch	968.45	H	View Lobby Hours
Yough Circle Branch	975.71	I	View Lobby Hours
Hallandale Branch	977.59	J	View Lobby Hours
Aventura Branch	979.76	K	View Lobby Hours
North Miami Branch	983.24	L	View Lobby Hours
Miami Beach Branch	986.21	M	View Lobby Hours
Doral Banking Center	989.24	N	View Lobby Hours
41st Street Branch	989.34	O	View Lobby Hours
Metro Plaza Branch	991.45	P	View Lobby Hours
City National Bank Of Florida	991.53	Q	View Lobby Hours
South Beach Branch	992.03	R	View Lobby Hours
Biscayne Tower Branch	992.08	S	View Lobby Hours
Brickell Branch	992.57	T	View Lobby Hours
Coral Gables Branch	992.95	U	View Lobby Hours
Bird Rd Branch	993.15	V	View Lobby Hours
Galloway Banking Center	995.24	W	View Lobby Hours
Kendall Branch	995.90	X	View Lobby Hours
South Miami Branch	995.92	Y	View Lobby Hours
Pinecrest Branch	998.09	Z	View Lobby Hours

View Branches Nationwide →

Climate Policy and Initiatives

No public climate action plan, but the bank does not appear to lend to the oil and gas industry either.

Updated April 3, 2024

Climate Score: C

No climate action plan, but the bank does not appear to lend to the oil and gas industry either.

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Financial Details

City National Bank of Florida Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of City National Bank of Florida. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio

City National Bank of Florida	U.S. Bank Average
4.63%	4.48%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2024, City National Bank of Florida had $118,604,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $2,406,543,000 in equity and $155,939,000 in loans loss reserves. That gives it a Texas Ratio of 4.63%.

Return on Equity

City National Bank of Florida	U.S. Bank Average
5.6%	10.46%

City National Bank of Florida has a Return on Equity of 5.6% versus the BestCashCow average of 10.46%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization

City National Bank of Florida	U.S. Bank Average
9.18%	10.84%

City National Bank of Florida has a Capitalization of 9.18% versus the BestCashCow average of 10.84. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

City National Bank of Florida Balance Sheet Analysis

As of June 30, 2024, City National Bank of Florida had assets of $26,204,165,000, loans of $17,551,542,000, and deposits of $20,968,845,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

June 30, 2024

ASSETS
Cash & Balances due from depository institutions	$ 634.79 million
Interest-bearing balances	$ 496.54 million
Total securities	$ 6.48 billion
Federal funds sold and reverse repurchase	N.A.
Net loans and leases	$ 17.55 billion
Loan loss allowance	$ 155.94 million
Trading account assets	$ 91.80 million
Bank premises and fixed assets	N.A.
Other real estate owned	N.A.
Goodwill and other intangibles	$ 96.25 million
All other assets	$ 1,071.24 million
Total Assets	$ 23.80 billion

LIABILITIES
Total deposits	$ 20.97 billion
Interest-bearing deposits	$ 16.43 billion
Deposits held in domestic offices	$ 20.97 billion
% insured (estimated)	52.85%
Federal funds purchased and repurchase agreements	$ 39.81 million
Trading liabilities	$ 59.81 million
Other borrowed funds	$ 1,685.79 million
Subordinated debt	N.A.
All other liabilities	$ 158.62 million
Total Liabilities	$ 23.80 billion
Shareholders’ Equity	$ 2.41 billion

Summary Income Statement

June 30, 2024

INCOME AND EXPENSES
Total Interest Income	$ 632.80 million
Total Interest Expense	$ 395.83 million
Net interest income	$ 236.97 million
Provision for loan and lease losses	$ 24.31 million
Total non interest income	$ 55.80 million
Total non interest expense	$ 180.07 million
Pre-tax Net Operating Income	$ 182.52 million

Bank Loan Profile^?

The top three loan types in City National Bank of Florida’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and 1-4 Family Residential Loans.

Compared to other banks in Florida, City National Bank of Florida has a significantly higher percent of Commercial and Industrial Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

	% Loans	% Comparison to Other Banks
		Low	Med	High
1-4 Family Residential Loans	16.85		✓
Multifamily Mortgages	2.61		✓
Credit Card Loans	0.00	✓
Consumer Auto Loans	0.00		✓
Small Business Loans	1.50	✓
Construction and Development Loans	5.26		✓
Commercial Real Estate	37.27		✓
Commercial and Industrial Loans	18.57			✓
Farm Loans	0.00	✓

Customer Reviews for City National Bank of Florida

danioly24@icloud.com

July 31, 2016

This Danny Burgess from Dalton. Ha. 30720 I am nominee next to kin. To Mrs. Endriani pipper and beneficidery. With your bank I want know. If you have received. The letter of funds release sent to I your bank date. 31/07/2016 by. Mrs Endriani pipped

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