Last updated: 03/12/2023

One of Florida's Largest and Most Capitalized Banks

TotalDirectBank by TotalBank is a registered Trademark of  City National Bank of Florida (“CNBFL”).

Since 1946, we have played a significant role in Florida's economic transformation, contributing to its rise as the 16th largest economy in the world1. Our success is rooted in the success of our clients, and we enable our associates to develop lifelong relationships with our commercial, private, and retail banking clients. Our focus is on partnering with our clients to achieve their life goals, which drives our agility, inspires entrepreneurial spirit, and fosters trusted relationships that fuel growth.

Our 77 years of experience have allowed us to build a fortress balance sheet based on our:

  • Excess capital position
  • Ample liquidity
  • Strong asset quality

Moreover, we are proud to be supported by our parent company, Banco de Crédito e Inversiones (Bci), one of Latin America's largest banks and the second-largest bank in Chile. Our partnership with Bci grants us access to best-in-class resources from a much larger institution while maintaining our nimble approach to business management.

Financial Health (as of 12/31/2022):

FDIC Certificate


Banking Locations




Year Founded


Primary Regulator

Office of the Comptroller of the Currency



Assets and Liabilities (as of 02/28/2023):


$25.7 B
Loans $16.6 B
Deposits $21.8 B
Tier 1 Capital $2.4 B
Loan Loss Allowance


Non-Performing Loan Ratio


% of Investment Portfolio Backed by U.S. Government


Ratings (as of 12/31/2022):

Bauer Financial

Five (5) Star- Superior2

Community Reinvestment Act (CRA)



Capitalization (as of 02/28/2023)

City National Bank of Florida Well Capitalized Threshold Excess Capital
Total Risk Based Capital Ratio 13.92% 10.00% $723MM
Tier 1 Risk Based Capital Ratio 13.07% 8.00% $936MM
Tier 1 Leverage Ratio




Loan Ratios (as of 12/31/22)

City National Bank of Florida Peer Average
Non-Performing Loans/Loans 0.28% 0.42%
Past Due Loans/Loans 0.08% 0.27%
Net Charge-Offs to Loans 0.01% 0.06%

1 Source: as of December 31, 2022

2 Source: as of December 31, 2021

3 Source: as or August 2, 2021

4 Source: as of March 10, 2023