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The Lender Report built this page from public records. Echelon Bank has not reviewed it. Every lender's page starts this way, and it says nothing about Echelon Bank itself. Each figure shows its source and date. Work at Echelon Bank? You can claim this page for free.
Bank, Clearwater, FL
Echelon Bank
A bank based in Clearwater, FL. Its commercial book is mostly owner-occupied CRE. Public files show recent SBA 7(a) loans it made.
- Kind
- Bank
- Data as of
- June 30, 2026
- Page last changed
- November 11, 2026
- Commercial book
- $3.25M
- FDIC call report,
- Holds, not loans made
- Multifamily loans made, 2025
- Not reported
- HMDA,
- HMDA, 5 or more units
- SBA loans, 36 months
- 1
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $52.2M
- FDIC call report,
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How to reach them
Each line shows where it came from
- Phone
- The FDIC record has no phone number. Try the lender's website.
- Website
- www.echelon.bankFrom the FDIC record, November 9, 2026.
- Commercial lending page
- echelon.bankFrom the lender's website, retrieved November 11, 2026.
- Address
- 1901 Ulmerton Rd, Clearwater, FL 33762FDIC institution record,
- Regulator record
- FDIC BankFind
Recently done
Some recorded lending
Some recorded lending. One public file shows loans this lender made.
What changed. Echelon Bank filed its first call report in this data for the quarter ended June 30, 2026. FDIC call reports,
| When | What the record shows | Source |
|---|---|---|
| Last 24 months | Office changes in the last 24 months: 2 opened, 0 closed, 0 relocated.FDIC structure history. | FDIC history |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Sep 2026 | Florida | SBA 7(a), Offices of Lawyers | $500K | 8.75% | 10 yr | SBA FOIA | |
| 1 SBA 7(a) loan since October 2023, net of cancelled | $500K | SBA FOIA | |||||
A blank means the source did not report it.
What it holds
FDIC call report, June 30, 2026
| Book | Holds | Of its loans | Year over year |
|---|---|---|---|
| Multifamily | $0 | 0.0% | Not reported |
| Construction and land development | $759K | 20.0% | Not reported |
| Owner-occupied CRE | $2.49M | 65.6% | Not reported |
| Non-owner-occupied CRE | $0 | 0.0% | Not reported |
| Farmland | $0 | 0.0% | Not reported |
| Commercial and industrial | $0 | 0.0% | Not reported |
| Commercial total | $3.25M |
Reference only: $326K of 1-4 family residential loans, which call reports cannot split owner-occupied from investor. Excluded from the totals above.
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| SBA 7(a), net of cancelled | 36 months to Sep 2026 | 1 | $500K | $500K | $500K | SBA FOIA, |
| SBA 7(a), net of cancelled | 12 months to Sep 2026 | 1 | $500K | SBA FOIA, |
Undrawn commitments
FFIEC Call Report, June 30, 2026
- Echelon Bank reported commitments to fund construction loans that had not been drawn at June 30, 2026: $0 for 1-4 family residential construction and $0 for commercial real estate, other construction and land development (FFIEC Call Report). A commitment is an agreement to fund a loan if it is drawn. It is not a loan made.
- Undrawn commitments to commercial and industrial borrowers at June 30, 2026: $0. These are credit lines not yet used.
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| Florida HQ | 3 | 1 | 0 |
Offices by county
FDIC Summary of Deposits, June 30, 2026
- Echelon Bank has 3 offices in 2 counties and 1 state (FDIC Summary of Deposits, June 30, 2026): 3 full service and 0 limited service.
| County | Full-service offices | Limited-service offices |
|---|---|---|
| Pinellas County, FL | 2 | 0 |
| Hillsborough County, FL | 1 | 0 |
Loan production offices are not in this file. A bank with no office here can still lend here.
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Estimated largest single loan | $4.08M | $966K to $3.69M across 8 peers | Estimate: 15% of tier 1 capital plus allowance. A further 10% is allowed with readily marketable collateral, and state-chartered banks follow state limits. Not a limit the lender has stated. | FDIC call report, 12 CFR 32.3, Jun 30, 2026 |
| CRE to capital | 2.8% | 0.0% to 272.5% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by tier 1 capital plus allowance. | FDIC call report, |
| Construction to capital | 2.8% | 0.0% to 46.2% across 8 peers | Construction loans divided by tier 1 capital plus allowance. | FDIC call report, |
| Loans to deposits | 16.2% | 14.5% to 103.3% across 8 peers | Total loans divided by total deposits. | FDIC call report, |
| Unused CRE commitments | $0 | $0 to $1.93M across 8 peers | Commitments to lend on commercial real estate that are not yet drawn. | FDIC call report, |
| Loans to assets | 7.3% | 6.5% to 69.7% across 8 peers | Total loans divided by total assets. | FDIC call report, |
Our calculation: construction, multifamily and non-owner-occupied nonfarm nonresidential loans, divided by tier 1 capital plus the allowance for loan losses. It is not the test in the 2006 interagency guidance on commercial real estate concentrations (December 12, 2006; OCC Bulletin 2006-46, Federal Reserve SR 07-1). That guidance measures against total risk-based capital, also counts loans that finance commercial real estate but are not secured by real estate, and looks more closely when construction and land loans reach 100% of that capital, or commercial real estate loans reach 300% of it and have grown 50% or more in the prior 36 months. This figure uses a different capital base, leaves out the unsecured loans and applies no growth condition. The guidance sets no limit on lending. Not a rating, and not a statement about safety or deposits.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| Century Bank of Florida | FL | $101M | $38.0M |
| First National Bank of Wauchula | FL | $87.5M | $22.9M |
| First Savings and Loan Association | NC | $55.9M | $1.75M |
| Gala Bank | FL | $44.9M | $20.7M |
| Eastern National Bank | FL | $65.2M | $25.3M |
| The Pioneer Savings Bank | OH | $54.7M | $4.23M |
| Cornerstone Community Bank | KY | $44.5M | $2.41M |
| Bank of Belle Glade | FL | $160M | $25.5M |
What we don't know
- Whether it is taking new loans today, or on what terms.
- How much of its book it made recently. Call reports carry balances, not loans made.
- Which of its commercial real estate is office, retail, industrial or hotel. Call reports do not split the book by property type.
- How its 1-4 family loans divide between owner-occupied and investor.
- Whether it makes multifamily loans. No HMDA multifamily loans are on file under this name for 2024 or 2025.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
Check this page
Against the regulator's own record
- Name and charter. Echelon Bank, FDIC certificate 59377. Compare it with the regulator's record. [FDIC BankFind]
- Balances. $52.2M in total assets and $3.25M in commercial loans held, from the call report for June 30, 2026. [Source]
- Loans made. 1 recorded loan from SBA files, through September 30, 2026: 1 SBA 7(a) in 36 months. Each has its source and date.
- Phone and website. No phone number is on record. Website echelon.bank, from the FDIC record. [How to reach them]
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For the record
Data as of June 30, 2026. Page last changed November 11, 2026.
- Regulator
- FDIC
- FDIC certificate
- 59377
- RSSD
- 6062484
- The Lender Report ID
- lr_006452
- FDIC classifies this bank as
- Other Specialized Under 1 Billion
- Ownership
- Stock
- Head office metro area
- Tampa-St. Petersburg-Clearwater, FL
FDIC institution record, The classification is FDIC's description of the balance sheet. It is not a statement about what the bank will lend on.
- Reported $52.2M in total assets as of June 30, 2026 (FDIC call report).
- Held $3.2M of commercial and commercial real estate loans as of June 30, 2026 (FDIC call report).
- Held $2.5M of owner-occupied commercial real estate loans as of June 30, 2026 (FDIC call report).
- Held $759K of construction and land loans as of June 30, 2026 (FDIC call report).
- Recorded 1 SBA 7(a) approval totaling $500K from October 1, 2023 to September 30, 2026 (SBA).
- Listed 3 offices in 1 state (FDIC).
Cite this
Source: The Lender Report, Echelon Bank, https://lender.report/lender/echelon-bank-fl/, data as of June 30, 2026.
Sources
- FDIC institution record, November 9, 2026
- FDIC office list, October 28, 2026
- FDIC call report, June 30, 2026
- FDIC call report, June 30, 2025
- SBA FOIA, September 30, 2026
- FFIEC Call Report, June 30, 2026
- FDIC call reports, June 30, 2026
- FDIC Summary of Deposits, June 30, 2026
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.
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Work at Echelon Bank? Claim this page, free.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem