First National Bank of Pasco

First National Bank of Pasco is a federally chartered community bank founded circa 1985, operating five branches across Pasco County and the greater Tampa Bay area, serving consumers, small businesses, corporations, governments, and non-profits with deposits, lending, and wealth management services.

Company typePrivate
Founded1985
HeadquartersDade City, United States
Headcount11–50
GTM typeB2B and B2C
OfferingServices

What First National Bank of Pasco does

First National Bank of Pasco is a federally chartered community bank (OCC Charter #20976, FDIC #268291) founded circa 1985-1986 and headquartered in Dade City, Florida, operating as a subsidiary of Florida Bancshares Inc., which was incorporated in February 1997. The bank serves individuals, families, small businesses, entrepreneurs, corporations, government entities, and non-profit organizations across Pasco County and the greater Tampa Bay area through five physical branches (Dade City Main, Lutz, Zephyrhills South, Zephyrhills West, and Tampa) and digital banking channels including iOS and Android mobile applications and an online banking platform.

The bank operates a traditional community banking model with a unified product suite spanning personal and business checking and savings accounts, residential mortgage loans, business loans, personal loans, personal and business credit cards, cash management services, investment and wealth management services, and IntraFi/CDARS-enabled deposit placement that provides multi-million-dollar FDIC insurance coverage. Digital capabilities are provided via the FNB Pasco Mobile App, which supports mobile deposit, person-to-person payments, debit card lock/unlock, account alerts, bill pay, and secure messaging, alongside a separate business digital banking platform. The bank emphasizes local decision-making and personal service, with a leadership team reporting combined 400 years of banking experience and active community involvement across more than 50 charitable organizations.

Revenue is generated primarily through net interest income on the deposit and lending book (deposits, residential mortgages, commercial loans, consumer and business credit cards) supplemented by non-interest income from cash management, wealth management, and deposit placement services. Pricing is variable based on APY for deposits and APR for loans; specific rates are not publicly disclosed. No public funding rounds, M&A activity, or revenue figures are disclosed in available sources.

First National Bank of Pasco firmographics

Firmographics

Name: First National Bank of Pasco
Legal name: First National Bank of Pasco
Website: https://fnbpasco.com
Company type: Private
Founded year: 1985
Operating status: Operating
Headcount range: 11–50 employees
Short description: First National Bank of Pasco is a federally chartered community bank founded circa 1985, operating five branches across Pasco County and the greater Tampa Bay area, serving consumers, small businesses, corporations, governments, and non-profits with deposits, lending, and wealth management services.
Ownership category
akta.pro rank

First National Bank of Pasco industry classification

Industry

Product category: Community Banking
NAICS: Commercial Banking (522110), Depository Credit Intermediation (5221)
SIC: State Commercial Banks (6022), Finance Services (6199), Functions Related To Depository Banking, Nec (6099)
akta.pro primary industry: Regional/Diaspora-focused Neobanks (FSABAFAK)
akta.pro secondary industry: Federations/Centrals & Cooperative Banking Networks (2nd-Tier Co-ops) (FSABAEAL)

Keywords

Community banking
Retail banking services
Commercial lending
Residential mortgages
Wealth management

Where First National Bank of Pasco is headquartered

Location

Headquarters

HQ city: Dade City
HQ country: United States
HQ region: North America

Offices5 records

Markets served

First National Bank of Pasco business model

Business model

GTM type: B2B and B2C
Offering type: Services
Cost components: Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales

Revenue model

Deposit Taking: Accepts consumer and business checking and savings deposits. Interest-bearing deposit accounts available.
Consumer Lending: Residential mortgage loans, personal loans, credit cards for consumers.
Business Lending: Business loans, commercial relationship management, credit cards for businesses.
Cash Management Services: Cash management solutions for business customers.
Investing and Wealth Management: Investment services and wealth management for personal and business customers.
IntraFi/CDARS Deposits: FDIC insurance placement services allowing multi-million dollar protection through ICS and CDARS programs.

Pricing tiers

Model	Billing	Price
Subscription	Annual	Deposit products with variable rates

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

First National Bank of Pasco product offering

Product offering

Core offering

First National Bank of Pasco is a locally-owned community bank that accepts consumer and business deposits, and originates residential mortgages, personal loans, business loans, and credit cards. It also provides cash management, investment and wealth management, and IntraFi/CDARS deposit placement services, delivered through five physical branches in Pasco County and Tampa Bay plus online and mobile banking channels.

Product overview

First National Bank of Pasco is a community bank serving the Tampa Bay area (Pasco County, Florida) offering a unified suite of banking products and services. The bank's portfolio includes two core divisions: Business Banking (checking, savings, loans, credit cards, cash management, and wealth management for commercial customers) and Personal Banking (checking, savings, residential mortgages, credit cards, and personal loans for consumers). Digital access is provided through an Online & Mobile Banking platform (including a dedicated mobile app for iOS and Android) enabling services such as mobile deposit, person-to-person payments, and account management. Supplementary services include IntraFi deposit placement for expanded FDIC coverage and Investment & Wealth Management services. The bank operates four physical branch locations in Dade City, Lutz, and Zephyrhills, with a focus on serving as a community bank for local businesses, families, and individuals.

Differentiator

Problem solved

Functional benefit

Products and services

Personal Checking & Savings Accounts
Business Checking & Savings Accounts
Residential Mortgage Loans
Personal Loans
Business Loans
Credit Cards
Cash Management
Investing & Wealth Management
IntraFi Deposit Placement (ICS/CDARS)

Quantifiable outcome

Largest community bank in Pasco County
+1 more outcomes

Companies that use First National Bank of Pasco

Customer profile

Named customers5 records

Segments5 records

Ideal customer profiles5 records

First National Bank of Pasco technology and API

Technology

Technology focussed No

API detail

Has API: No
API docs
API detail

Core technology

AI maturity

App detail

Feature2 records

First National Bank of Pasco partnerships and signals

Strategic signal

Partnerships

Three partnerships are on record, tiered core and minor.

IntraFi NetworkcoreTechnology or IntegrationIntraFi provides deposit placement services through CDARS (Certificate of Deposit Account Registry Service) and ICS (Insured Cash Sweep) allowing the bank to offer multi-million-dollar FDIC protection on deposits placed in demand deposit accounts, money market deposit accounts, and CDs. This partnership enables the bank to serve customers with deposit needs exceeding standard FDIC limits.
Florida Bancshares Inc.coreOthersFlorida Bancshares Inc. is the holding company for First National Bank of Pasco, incorporated in February 1997. The holding company structure provides organizational backing and regulatory oversight for the bank.
FirstFin CreditminorOthersFirstFin Credit is a financial company affiliate with a direct ownership connection to First National Bank of Pasco, mentioned in privacy policy disclosures regarding information sharing practices.

Scale indicators8 records

Recent moves7 records

Expansion highlights5 records

First National Bank of Pasco competitors and assessment

Company assessment

Broad incumbents

BankUnited: Florida-headquartered commercial bank serving consumers and businesses across the state and broader region. Comparable product breadth (deposits, lending, treasury) and overlapping Tampa Bay footprint, but at materially larger scale.
Regions Bank: Major regional bank with a large Tampa Bay branch presence. Direct competitor in the same local market for consumer and SMB deposits, loans, and treasury services, though at vastly larger scale.
SouthState Bank (now part of Independent Texas Bank / new combined entity): Southeast US super-community bank with strong Florida presence. Comparable community-bank service model across deposits, lending, and wealth, but at much larger scale following multiple mergers.
Cadence Bank: Regional bank holding company serving consumers, businesses, and commercial clients across the Southeast. Comparable diversified community/regional banking model, though with broader geographic reach.
First Horizon Bank: Regional bank with community-banking DNA serving consumers and businesses across the Southeast. Comparable deposit and commercial banking product mix, with broader geographic footprint and capital markets capabilities.
Truist Financial: Top-10 U.S. bank with deep Tampa Bay footprint formed from BB&T and SunTrust. Competes directly with FNB Pasco for consumer, SMB, and commercial relationships in the same geography at a national scale.
Synovus Financial: Southeast regional bank with a long community-banking heritage and commercial banking focus. Overlapping commercial lending, treasury management, and retail deposit offerings, though larger and more geographically diversified.

Direct peers

Seacoast Banking Corporation of Florida: Florida-headquartered community bank holding company with a comparable mix of consumer, business, and mortgage banking across the state. Highly comparable as a Florida community bank with overlapping customer segments and product set, though materially larger in scale.
Citizens First Bank: Florida community bank focused on personal and business banking. Closely comparable business model (deposits, lending, digital channels) and customer base, though centered in a different Florida sub-market.

Regional players

Valley National Bank: Mid-Atlantic and Southeast-focused community/regional bank. Comparable community-banking product suite and customer base, with growing Florida presence and similar operating model to FNB Pasco, though at larger scale.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

First National Bank of Pasco financial estimates

Financial estimate

Revenue estimate

Valuation estimate

First National Bank of Pasco leadership team

Management profile

Number of profiles

Profiles15 records

First National Bank of Pasco funding detail

Funding detail

Funding overview

Funding rounds

Investors

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

First National Bank of Pasco M&A and investment

M&A and investment

M&A

Investments

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

Frequently asked questions about First National Bank of Pasco

What does First National Bank of Pasco do?

Is First National Bank of Pasco a public or private company?

First National Bank of Pasco is a private company. It is classified as corporate owned and is currently operating.

When was First National Bank of Pasco founded?

First National Bank of Pasco was founded in 1985. It employs 11 to 50 people.

Where is First National Bank of Pasco based?

First National Bank of Pasco is headquartered in Dade City, United States, in the North America region.

How does First National Bank of Pasco make money?

Six revenue lines are on record. Deposit Taking is the primary driver. The others are consumer Lending, business Lending, cash Management Services, investing and Wealth Management and intraFi/CDARS Deposits.

Who are First National Bank of Pasco's main competitors?

Broad incumbents on record are BankUnited, Regions Bank, SouthState Bank (now part of Independent Texas Bank / new combined entity), Cadence Bank, First Horizon Bank, Truist Financial and Synovus Financial. Direct peers are Seacoast Banking Corporation of Florida and Citizens First Bank. Valley National Bank is listed as a regional player.

Does First National Bank of Pasco have an API?

No public API is recorded for First National Bank of Pasco.

What industry is First National Bank of Pasco in?

First National Bank of Pasco's product category is Community Banking. Its primary akta.pro industry code is FSABAFAK, Regional/Diaspora-focused Neobanks, with a secondary code of FSABAEAL, Federations/Centrals & Cooperative Banking Networks (2nd-Tier Co-ops). Its NAICS code is 522110 and its SIC code is 6022.