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BankFlorida Bancorp, Inc.: Business Overview, Financials & Competitive Analysis

BankFlorida Bancorp, Inc. scores 5/10 on the AskCyborg Cyborg Score (Mixed). Niche regional bank with community-focused operations in Florida; adequate growth trajectory but constrained by size and market liquidity. 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.

What is BankFlorida Bancorp, Inc.'s industry? BankFlorida Bancorp, Inc. (bankflorida.com) operates in Banking. AskCyborg classifies BankFlorida Bancorp, Inc. under Banking in its company registry.

BankFlorida Bancorp, Inc. is the bank holding company for BankFlorida, a state-chartered bank founded in 2007 and based in Dade City, Florida, providing various financial products and services to individuals and corpo...

5/ 10Mixed

Cyborg Score thesis

Niche regional bank with community-focused operations in Florida; adequate growth trajectory but constrained by size and market...

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Industry Banking
3 named competitors
2 recent developments
11 analyst dimensions
Synthesized from analyst-debate stress-testing across 11 dimensions and hundreds of data points. Methodology →
Cyborg Score recalibrated: October 12, 2026
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What's in This Report
BankFlorida Bancorp, Inc. OverviewStrategic ProfileCompetitive LandscapeIndustry ContextKey facts
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BankFlorida Bancorp, Inc. Overview

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BankFlorida Bancorp, Inc. is the bank holding company for BankFlorida, a state-chartered bank founded in 2007 and based in Dade City, Florida, providing various financial products and services to individuals and corporate customers. It serves customers through branch locations in Pasco, Palm Beach, and Osceola counties in Florida.

Strategic Profile

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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.

Competitive Landscape

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BankFlorida competes in the Florida regional and community banking sector against larger regional players and national banks. The company's competitive advantages include localized branch presence in underserved Florida counties and personalized service offerings; however, it faces pressure from larger institutions with greater resources and broader product portfolios.

Industry Context

BankFlorida Bancorp, Inc. operates in Banking.

Key facts

Founded: 2007 · Headquarters: Dade City, Florida · Employees: 4 · Revenue: N/A · Market cap: N/A

What the analysts stress-tested

The top findings that survived the multi-agent debate for BankFlorida Bancorp, Inc..

  • 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%)
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Recent developments

Material events tracked by the AskCyborg corpus.

  • February 2026Released 2025 annual financial statements showing asset growth to $429.5 million from $369.9 million year-over-year
  • July 2026Stock trading on OTCQX at $16.90 per share with minimal analyst coverage
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Named competitors

Pulled from the analyst-debate framework. Click any competitor to see their Cyborg Score.

CoBiz FinancialRegional bank holding company with community-focused operations→Community BankRegional community banking services→Florida Banks GroupIn-state Florida regional banking→

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Industry context

BankFlorida Bancorp, Inc. operates in Banking. See how the rest of the sector scores on the Cyborg framework.

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Frequently asked questions

What does BankFlorida Bancorp, Inc. do?+
BankFlorida Bancorp, Inc. is the bank holding company for BankFlorida, a state-chartered bank founded in 2007 and based in Dade City, Florida, providing various financial products and services to individuals and corpo...
What is BankFlorida Bancorp, Inc.'s Cyborg Score?+
BankFlorida Bancorp, Inc. has a Cyborg Score of 5/10 (Mixed). The score synthesizes business model, financials, leadership, competitive position, technology, marketing, and ESG dimensions across hundreds of data points.
Who are BankFlorida Bancorp, Inc.'s main competitors?+
Named competitors include CoBiz Financial, Community Bank, Florida Banks Group. The full competitive landscape is in the AskCyborg report.
How can I get the full BankFlorida Bancorp, Inc. research report?+
Get the report plus analyst-debate audio at askcyborg.com -- no credit card required for preview access. Pro adds saved-company audio playlists and monitoring.
How current is the BankFlorida Bancorp, Inc. research?+
The Cyborg Score is recalibrated weekly. Recent developments are tracked continuously and surfaced in every report.

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