The company offers personal banking products including checking accounts, money market accounts, term certificates of deposit, and residential mortgage loans, alongside corporate banking services such as small business checking, lines of credit, term loans, commercial mortgages, and treasury management services. The bank also provides wealth solutions including investment management, 401k rollovers, 1031 exchanges, and asset protection services.
Cyborg Score Rationale
BankFlorida is a small regional bank with solid fundamentals as of year-end 2025 (total assets of $429.5M), but operates in a highly competitive market with limited analyst coverage. The OTC-listed status and lack of analyst consensus indicate limited institutional visibility despite outperforming the broader market and banking industry in the past year.
Top Insights
As of December 31, 2025, BankFlorida reported total assets of approximately $429.5 million, with loans representing the largest asset class at $330.4 million net of allowance for credit losses
Over the past year (through July 2026), BKFL exceeded both the US Banks industry return (24.7%) and US Market return (25.7%)
BankFlorida Bancorp is covered by zero analysts with no consensus revenue or earnings estimates available
The bank's deposit accounts are insured up to applicable limits by the Federal Deposit Insurance Corporation, providing customer protection
Named Competitors
CoBiz Financial — Regional bank holding company with community-focused operations
Community Bank — Regional community banking services
Florida Banks Group — In-state Florida regional banking
Recent Developments
(February 2026) Released 2025 annual financial statements showing asset growth to $429.5 million from $369.9 million year-over-year
(July 2026) Stock trading on OTCQX at $16.90 per share with minimal analyst coverage
Open the full interactive BankFlorida Bancorp, Inc. report
Strategic research, analyst-debate audio, full Cyborg Score breakdown across 11 dimensions, and saved-company audio playlists.