Unverified listing What this means
The Lender Report built this page from public records. One Florida Bank has not reviewed it. Every lender's page starts this way, and it says nothing about One Florida Bank itself. Each figure shows its source and date. Work at One Florida Bank? You can claim this page for free.
Bank, Orlando, FL
One Florida Bank
One Florida Bank no longer files under this name. FDIC records show it merged into Hancock Whitney Bank on August 1, 2026. Before that it made 1 multifamily loan in 2025 in Florida and 5 SBA 7(a) loans since October 2023.
- Kind
- Bank
- Data as of
- HMDA 2025, SBA September 30, 2026
- Page last changed
- November 12, 2026
- Commercial book
- $1.49B
- FDIC call report,
- Holds, not loans made
- Multifamily loans made, 2025
- 1
- HMDA,
- HMDA, 5 or more units
- SBA loans, 36 months
- 15
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $2.07B
- FDIC call report,
How to reach them
Each line shows where it came from
- Phone
- The FDIC record has no phone number or website.
- Address
- 1601 S Orange Ave, Orlando, FL 32806FDIC institution record,
- Regulator record
- FDIC BankFind
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
| When | What the record shows | Source |
|---|---|---|
| August 1, 2026 | Merged into Hancock Whitney Bank on August 1, 2026.FDIC structure history. | FDIC history, |
| Jun 2025 to Jun 2026 | Non-owner-occupied CRE balance rose 28.2% to $551.1M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
| Jun 2025 to Jun 2026 | Commercial and industrial balance rose 2.2% to $501.8M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
| Jun 2025 to Jun 2026 | Owner-occupied CRE balance rose 0.3% to $297.4M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
| Jun 2025 to Jun 2026 | Unused commitments on commercial real estate rose 3.1% to $170.3M in the year to June 30, 2026.Call report commitments. Not a measure of new lending. | FDIC call report |
| 2024 | Reported making 463 small business loans totaling $131.3M in 2024.FFIEC CRA disclosure data. A small business loan here is a commercial and industrial loan or a loan secured by nonfarm nonresidential property of $1 million or less when made. | FFIEC CRA disclosure data |
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 |
|---|---|---|---|---|---|---|---|
| 2025 | Marion County, FL | Cash-out refinance, 5 to 24 units | $900K | HMDA 2025 | |||
| Nov 2025 | Florida | SBA 7(a), Limited-Service Restaurants | $770K | 9% | 10 yr | SBA FOIA | |
| Nov 2025 | Florida | SBA 504, Offices of Physicians (except Mental Health Specialists) | $420K | 25 yr | SBA FOIA | ||
| May 2025 | Florida | SBA 504, Offices of Lawyers | $340K | 25 yr | SBA FOIA | ||
| Nov 2024 | Florida | SBA 504, Offices of Dentists | $610K | 25 yr | SBA FOIA | ||
| Oct 2024 | Florida | SBA 504, Manufacturing | $1M | 25 yr | SBA FOIA | ||
| Aug 2024 | Florida | SBA 7(a), Other Personal Care Services | $880K | 11.25% | 10 yr | SBA FOIA | |
| Jul 2024 | Florida | SBA 7(a), General Automotive Repair | $1.6M | 8.5% | 25 yr | SBA FOIA | |
| Feb 2024 | Florida | SBA 7(a), All Other Plastics Product Manufacturing | $1.3M | 9.5% | 25 yr | SBA FOIA | |
| Nov 2023 | Florida | SBA 7(a), Fine Arts Schools | $730K | 10% | 25 yr | SBA FOIA | |
| Oct 2023 | Florida | SBA 504, All Other Personal Services | $780K | 25 yr | SBA FOIA | ||
| Oct 2023 | Florida | SBA 504, Offices of Real Estate Agents and Brokers | $300K | 25 yr | SBA FOIA | ||
| 10 SBA 504 first liens since October 2023, net of cancelled | $16.9M | 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 | $22.3M | 1.3% | -37.6% |
| Construction and land development | $84.1M | 5.0% | -29.9% |
| Owner-occupied CRE | $297M | 17.7% | +0.3% |
| Non-owner-occupied CRE | $551M | 32.8% | +28.2% |
| Farmland | $32.3M | 1.9% | +70.6% |
| Commercial and industrial | $502M | 29.9% | +2.2% |
| Commercial total | $1.49B |
Reference only: $187M of 1-4 family residential loans, which call reports cannot split owner-occupied from investor. Excluded from the totals above.
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $1.07B |
| Q4 2023 | $1.14B |
| Q1 2024 | $1.17B |
| Q2 2024 | $1.17B |
| Q3 2024 | $1.22B |
| Q4 2024 | $1.34B |
| Q1 2025 | $1.37B |
| Q2 2025 | $1.39B |
| Q3 2025 | $1.38B |
| Q4 2025 | $1.43B |
| Q1 2026 | $1.50B |
| Q2 2026 | $1.49B |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| Multifamily, 5 or more units | 2025 | 1 | $900K | $900K | $900K | HMDA, |
| 1-4 unit investor or business purpose | 2025 | 3 | $1.90M | $540K | HMDA, | |
| SBA 7(a), net of cancelled | 36 months to Sep 2026 | 5 | $5.30M | $885K | $1.6M | SBA FOIA, |
| SBA 7(a), net of cancelled | 12 months to Sep 2026 | 1 | $770K | SBA FOIA, | ||
| SBA 504 first lien, net of cancelled | 36 months to Sep 2026 | 10 | $16.9M | $640K | $10M | SBA FOIA, |
How these public files were tied to this lender. HMDA: its legal entity identifier (LEI). SBA 7(a) loans: its FDIC certificate number. SBA 504 first liens: its name and state.
Programs on record: Federal Home Loan Bank member, Atlanta district (FHFA).
Small business loans reported under CRA
FFIEC CRA, 2024
- One Florida Bank reported making 463 small business loans totaling $131,316,000 in 2024, in its Community Reinvestment Act filing (FFIEC, calendar 2024).
- By size when made: 105 of $100,000 or less, 148 over $100,000 up to $250,000, 210 over $250,000 up to $1 million.
- 59 of them, totaling $14,023,000, went to businesses with revenue of $1 million or less.
- One Florida Bank reported making 2 small farm loans totaling $240,000 in 2024, in its Community Reinvestment Act filing (FFIEC, calendar 2024).
- By size when made: 1 of $100,000 or less, 1 over $100,000 up to $250,000, 0 over $250,000 up to $500,000.
| County | Loans | Total |
|---|---|---|
| Orange County, FL | 110 | $30.4M |
| Seminole County, FL | 61 | $18.6M |
| Pierce County, GA | 26 | $5.02M |
| Polk County, FL | 21 | $2.53M |
| Putnam County, FL | 18 | $6.50M |
| Volusia County, FL | 14 | $4.44M |
| Sumter County, FL | 10 | $2.84M |
| Lake County, FL | 9 | $3.57M |
| Jeff Davis County, GA | 9 | $3.37M |
| Brevard County, FL | 8 | $2.23M |
In this filing a small business loan is a commercial and industrial loan, or a loan secured by nonfarm nonresidential property, of $1 million or less when it was made. Multifamily loans are not included.
Only banks with about $1.6 billion or more in assets must file this data. The cutoff is set each year; it was $1.564 billion for 2024. A bank that is not listed here can still make small business loans.
How this filing was tied to this bank: FDIC certificate (respondent ID) + transmittal RSSD.
Undrawn commitments
FFIEC Call Report, June 30, 2026
- One Florida Bank reported commitments to fund construction loans that had not been drawn at June 30, 2026: $28,004,000 for 1-4 family residential construction and $142,307,000 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: $300,518,000. These are credit lines not yet used.
Small loans it holds, by original size
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30, June 30, 2026
Loans held on the report date, grouped by the amount when each loan was made. Not loans made in a period.
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 296 | $8.61M |
| Over $100,000 up to $250,000 | 457 | $39.4M |
| Over $250,000 up to $1 million | 568 | $141M |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 6 | $296K |
| Over $100,000 up to $250,000 | 32 | $4.62M |
| Over $250,000 up to $1 million | 202 | $93.7M |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 5 | $191K |
| Over $100,000 up to $250,000 | 4 | $382K |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 9 | $328K |
| Over $100,000 up to $250,000 | 7 | $358K |
| Over $250,000 up to $500,000 | 5 | $695K |
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 | 1 | 1 | 3 | 5 | 10 |
Offices by county
FDIC Summary of Deposits, June 30, 2026
- One Florida Bank has 6 offices in 3 counties and 1 state (FDIC Summary of Deposits, June 30, 2026): 6 full service and 0 limited service.
| County | Full-service offices | Limited-service offices |
|---|---|---|
| Orange County, FL | 3 | 0 |
| Seminole County, FL | 2 | 0 |
| Washington County, FL | 1 | 0 |
Loan production offices are not in this file. A bank with no office here can still lend here.
Loan channel and SBA processing
Public record only
- Approval to first disbursement
- 50 days, median of 5
SBA FOIA, SBA 7(a) loans, 36 months. Counted from SBA approval, not application. Lines of credit disburse fast.
Peers
Same kind of lender, similar size and book
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 takes brokers. No figure here means no evidence, not a refusal.
Check this page
Against the regulator's own record
- Name and charter. One Florida Bank, FDIC certificate 58811. Compare it with the regulator's record. [FDIC BankFind]
- Loans made. 19 recorded loans from HMDA and SBA files, through September 30, 2026: 1 HMDA multifamily 2025, 3 HMDA 1-4 unit investor 2025, 5 SBA 7(a) in 36 months, 10 SBA 504 first liens in 36 months. Each has its source and date. [How each file was tied to One Florida Bank]
- Small business loans reported under CRA. 463 small business loans reported in its CRA filing for 2024. [Source]
Something wrong? Report it with evidence. It is free, and it works the same for every lender whether it pays or not. Report an error
For the record
Data as of HMDA 2025, SBA September 30, 2026. Page last changed November 12, 2026.
- Regulator
- FDIC
- FDIC certificate
- 58811
- RSSD
- 3807880
- LEI
- 54930048RSX270GEQI09
- The Lender Report ID
- lr_000867
- FDIC classifies this bank as
- Commercial Lending Specialization
- Ownership
- Stock
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 $2.1B in total assets as of June 30, 2026 (FDIC call report).
- Held $1.5B of commercial and commercial real estate loans as of June 30, 2026 (FDIC call report).
- Held $551.1M of non-owner-occupied commercial real estate loans as of June 30, 2026, up 28.2% from a year earlier (FDIC call report).
- Held $501.8M of commercial and industrial loans as of June 30, 2026, up 2.2% from a year earlier (FDIC call report).
- Held $297.4M of owner-occupied commercial real estate loans as of June 30, 2026, up 0.3% from a year earlier (FDIC call report).
- Originated 1 multifamily loan totaling $900K in 2025 (HMDA).
9 more sentences
- Originated 3 1-4 unit investor or business-purpose loans totaling $1.9M in 2025 (HMDA).
- Recorded 6 SBA 7(a) approvals totaling $5.7M from October 1, 2023 to September 30, 2026, of which 1 was later cancelled (SBA).
- Provided the first lien on 11 SBA 504 projects with $31.7M in first-lien dollars from October 1, 2023 to September 30, 2026, of which 1 was later cancelled (SBA).
- Merged into Hancock Whitney Bank on August 1, 2026. Source: FDIC records.
- Reported making 463 small business loans totaling $131.3M in 2024, in its Community Reinvestment Act filing (FFIEC).
- Reported making 2 small farm loans totaling $240K in 2024, in its Community Reinvestment Act filing (FFIEC).
- Held 1,321 commercial and industrial loans that were $1 million or less when made, with a balance of $189.4M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Held 240 loans secured by nonfarm nonresidential property that were $1 million or less when made, with a balance of $98.6M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Reported commitments to fund construction loans that had not been drawn at June 30, 2026: $28M for 1-4 family and $142.3M for commercial and other construction (FFIEC Call Report). A commitment is not a loan made.
Cite this
Source: The Lender Report, One Florida Bank, https://lender.report/lender/one-florida-bank-fl/, data as of December 31, 2025.
Sources
- FDIC institution record, November 9, 2026
- FDIC call report, June 30, 2026
- FDIC call report, June 30, 2025
- HMDA, 2025
- SBA FOIA, September 30, 2026
- FFIEC Call Report, June 30, 2026
- FDIC call reports, June 30, 2026
- FFIEC CRA disclosure data, 2024
- 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.
See something wrong? Write to desk@lender.report or use the correction form. We reply within 2 business days and fix confirmed errors within 10. We correct our own mistakes at once. Where the public record itself is wrong, we show the lender's correction beside it and tell you how to ask the agency to fix the source. Correction form. Names identify institutions and imply no affiliation.
We publish data about lenders and sell advertising. We are not a bank or lender, and we do not make credit decisions, take applications, negotiate terms or arrange loans through this site. Using this site creates no broker, advisory or fiduciary relationship. Commercial-purpose loans only. Nothing here is an offer to lend or a promise that any lender will offer you a loan.
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