Florida Capital Bank

What Florida Capital Bank does

Florida Capital Bank, N.A. (operating under the FLCBank brand) is a nationally chartered community bank headquartered in Jacksonville, Florida. Founded in 2004 and self-described as the longest-standing community bank in the Jacksonville area, the institution is a wholly-owned subsidiary of Florida Capital Group and operates as a privately held, FDIC-member institution with no public ticker or SEC filings. It serves small to mid-sized businesses, individual consumers, and homebuyers across Florida through full-service branches in Jacksonville (headquarters), Gainesville, Orlando, and the Tampa Bay area, complemented by 24/7 online banking, mobile applications (FLCBank Business Mobility App and FLCB Mobile on iOS and Android), and a wholesale/correspondent mortgage channel (flcbmtg.com). Customer acquisition is community-led, emphasizing local decision-making, personalized relationship banking, and content marketing through the "Dollars & Sense" blog.

The product portfolio spans three pillars. Business Banking includes business checking and savings (with tiered interest rates at higher balances), treasury management services (Remote Deposit Capture, ACH Payment Processing, wire transfers, Positive Pay fraud prevention, lockbox and sweep services), business debit/credit cards, payment and ACH solutions, business loans, SBA financing, commercial real estate loans, equipment financing (typically $250K–$1M), and warehouse lending. Personal Banking covers checking, savings, private client wealth services for high-net-worth individuals, debit/credit cards, online and mobile banking, and bill pay. Mortgage Products include first-time homebuyer programs, down payment assistance, fixed and adjustable rate mortgages, FHA/VA loans, jumbo loans, bridge loans, buydown loans, home equity and HELOCs, RefiNow (Fannie Mae), plus the wholesale/correspondent channel. Underlying technology is a digital banking platform with multi-factor authentication and 128-bit SSL encryption; no proprietary AI/ML systems are disclosed.

Revenue is generated through net interest income on loans and deposits (business loans, commercial real estate, equipment financing, warehouse lines, residential mortgages), supplemented by fee-based income from treasury management, payment processing, wire transfers, and account service charges. Pricing is not publicly disclosed for most products; construction equipment financing loan sizes and personal/business service charges are available via downloadable schedules. The bank is NMLS-registered and maintains regulatory compliance under Florida and federal banking law, with no public regulatory actions disclosed.

Name

Florida Capital Bank

Legal name

Florida Capital Bank, N.A.

Website

https://floridacapitalbank.com

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

251–500 employees

Short description

Florida Capital Bank (FLCBank) is a nationally chartered community bank headquartered in Jacksonville, Florida, serving small to mid-sized businesses, individual consumers, and homebuyers across Florida through deposit accounts, business and consumer lending, treasury management, and mortgage products delivered via branches, digital channels, and a wholesale mortgage platform.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (522110), Commercial Banking (52211), Depository Credit Intermediation (5221)

SIC

National Commercial Banks (6021), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

SME Business Lending (Term Loans, Lines of Credit, Overdrafts) (FSABABAB)

akta.pro secondary industries

SME Commercial Real Estate (CRE) Lending (FSABABAG), Private Banking Lending (Securities-Backed, Real Estate, Structured Credit) (FSABADAE), Jumbo & Portfolio Wholesale Lending (FSALACAF)

Keywords

• Community banking services
• Business lending
• Treasury management
• Commercial real estate
• Residential mortgages

Headquarters

HQ city

Jacksonville

HQ country

United States

HQ region

North America

Offices4 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Revenue model

1. Interest Income: Traditional banking interest income from lending products including business loans, commercial real estate loans, equipment financing, construction equipment financing, warehouse lending, and residential mortgages.
2. Fee-based Income: Service charges, treasury management fees, business account fees, wire transfer fees, and other banking service fees.
3. Deposit Products: Interest-bearing checking and savings accounts for business and personal customers, with tiered interest rates for higher balances.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

Florida Capital Bank is a nationally chartered community bank headquartered in Jacksonville, Florida, providing deposit accounts, treasury management, payment processing, business and commercial lending, equipment financing, warehouse lines, and a full suite of residential mortgage products to small and mid-sized businesses, individual consumers, and mortgage brokers across Florida. Services are delivered through full-service branches, an online banking platform, and mobile applications under the FLCBank brand.

Product overview

Florida Capital Bank (FLCBank) is a nationally chartered community bank headquartered in Jacksonville, Florida, offering a comprehensive suite of banking products through a platform-plus-modules architecture. The portfolio spans three main pillars: Business Banking (Business Accounts, Business Online & Mobile Banking, Treasury Management Services, Business Debit & Credit Cards, Payment Solutions, ACH Solutions, Business Loans, Warehouse Lines, Commercial Real Estate, and Equipment Loans), Personal Banking (Checking Accounts, Savings Accounts, Private Client services, Online & Mobile Banking, Bill Pay, and Debit & Credit Cards), and Mortgage Products (First-Time Home Buyers, Down Payment Assistance, Fixed & Adjustable Rate Mortgages, FHA/VA Loans, Jumbo Home Loans, Bridge Loans, BuyDown Loans, Home Equity & HELOCs, RefiNow™, and Wholesale & Correspondent). The bank also provides digital banking solutions including the FLCBank Business Mobility App for business customers and FLCB Mobile for personal customers, both available on iOS and Android platforms. Treasury management features include Remote Deposit Capture, ACH Payment Processing, Wire Transfers, Positive Pay fraud prevention, and Lockbox and Sweep Services.

Differentiator

Problem solved

Functional benefit

Products and services

• Business Accounts Business deposit accounts (checking and savings) for small to mid-sized businesses, with tiered interest rates on higher balances.
• Treasury Management Services Cash flow management services for businesses, including bookkeeping automation, payroll processing support, ACH, wire transfers, Positive Pay fraud prevention, lockbox, and sweep services.
• Payment Solutions Business payment processing services facilitating collections and disbursements.
• ACH Solutions Automated Clearing House payment processing for direct deposits and electronic payments.
• Business Loans Financing options for business expansion, working capital, and operational needs, including SBA loans for small businesses.
• Commercial Real Estate Loans Financing for the acquisition, development, and refinancing of commercial real estate properties.
• Equipment Loans Financing for the purchase of business equipment, machinery, and construction equipment, generally ranging from $250,000 to $1 million.
• Warehouse Lending Lines Specialized lending facilities for warehouse operations, inventory financing, and mortgage warehouse lending.
• Personal Checking Accounts Individual deposit accounts for personal banking with various features and interest options.
• Personal Savings Accounts Personal savings products with competitive rates designed to help individuals save and grow money.
• Private Client Banking Wealth management and personalized banking services for high-net-worth individuals.
• Residential Mortgages First-time homebuyer programs, fixed and adjustable rate mortgages, FHA/VA loans, jumbo home loans, bridge loans, buydown loans, HELOCs, and the RefiNow refinancing program.
• Wholesale & Correspondent Mortgage Mortgage lending programs for mortgage brokers and correspondents, operated via flcbmtg.com.
• FLCBank Business Mobility App Mobile banking application for business customers available on iOS and Android, allowing balance checks, fund transfers between FLCB accounts, monthly cash flow viewing, mobile check deposit, and transaction approvals.
• FLCB Mobile Personal Banking App Mobile banking application for personal banking customers on iOS and Android to check balances, pay bills, deposit checks, and manage finances.

Named customers9 records

Segments4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

One partnership is on record.

• American Bankers Association (ABA)coreGTM or Marketing PartnerFlorida Capital Bank has partnered with the ABA for the #BanksNeverAskThat campaign, a national award-winning cybersecurity awareness initiative entering its fourth year. The partnership aims to educate consumers about phishing scams and empower them with tools to recognize fraudulent bank communications.

Scale indicators1 record

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• SouthState Corporation: Major Southeast regional bank (including Florida via the former CenterState Bank) offering business banking, treasury, mortgage, and wealth management—competes with FLCBank in Florida SMB banking but operates a significantly larger branch and digital footprint.
• BankUnited: Large Florida-headquartered commercial bank serving SMBs, middle-market companies, and consumers statewide with a broad product set including treasury and CRE—overlaps FLCBank's SMB and CRE segments but at much greater scale and broader distribution.
• Ameris Bancorp: Southeast regional bank (including Florida via recent acquisitions) offering commercial banking, treasury, and mortgage products to SMBs—overlaps FLCBank's core markets with a broader branch network and deeper product set.
• Home BancShares: Parent of Centennial Bank, a Florida-anchored community and commercial bank with a strong CRE and SMB lending franchise; competes head-to-head with FLCBank in core Florida markets but operates at substantially greater asset scale.
• Valley National Bank: Community-focused regional bank serving SMBs and consumers with commercial lending, treasury, and mortgage products—an analog to FLCBank in business model and SMB orientation, though operating primarily in the Northeast and selectively in Florida.
• First Horizon Corporation: Large Southeast-focused bank offering SMB, commercial, and mortgage products in Florida markets—an incumbent competitor for FLCBank's SMB and mortgage customers with substantially more capital and geographic breadth.

Direct peers

• Seacoast Banking Corporation of Florida: Florida-headquartered community and commercial bank serving SMBs and consumers across the state with relationship-based banking, treasury management, and mortgage products—a near-direct analog to FLCBank in geography and customer segment, but at meaningfully larger scale.
• BayFirst Financial Corporation: Florida-based community banking group operating BayFirst Bank, with a strong SBA lending franchise and SMB focus in the Tampa Bay and broader Florida market—a closely comparable community-bank business model anchored in SBA and small-business lending.

Emerging players

• Climate First Bank: Florida-based community bank startup serving businesses and consumers with a sustainability lens—competes in the same Florida SMB segment as FLCBank but at much earlier stage and smaller scale.

Regional players

• Crews Bank & Trust: Long-established Florida community bank headquartered in Gainesville serving SMBs and consumers with personal and business banking—an in-market Florida community-bank analog to FLCBank with overlapping North-Central Florida footprint.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds1 record

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Florida Capital Bank