| # | Institution | Type | Metro | Assets | Efficiency ratio |
|---|---|---|---|---|---|
| 1 | Portrait Bank Winter Park, FL | Bank | Orlando-Kissimmee-Sanford, FL | $44.7M | 8077.42% |
| 2 | Echelon Bank Clearwater, FL | Bank | Tampa-St. Petersburg-Clearwater, FL | $52.2M | 2359.41% |
| 3 | Eastern National Bank Miami, FL | Bank | Miami-Fort Lauderdale-Pompano Beach, FL | $65.2M | 270.10% |
| 4 | BayFirst National Bank Saint Petersburg, FL | Bank | Tampa-St. Petersburg-Clearwater, FL | $1.14B | 246.13% |
| 5 | Unity Of Eatonville Federal Credit Union Eatonville, FL | Credit Union | — | $3.2M | 183.79% |
| 6 | Gala Bank Ocala, FL | Bank | Ocala, FL | $44.9M | 157.30% |
| 7 | BankMiami Coral Gables, FL | Bank | Miami-Fort Lauderdale-Pompano Beach, FL | $317.9M | 125.26% |
| 8 | Monroe County Teachers Federal Credit Union Key West, FL |
| Credit Union |
| — |
| $25.1M |
| 122.07% |
| 9 | Pibank, National Association Miami, FL | Bank | Miami-Fort Lauderdale-Pompano Beach, FL | $2.37B | 116.89% |
| 10 | Axiom Bank, National Association Maitland, FL | Bank | Orlando-Kissimmee-Sanford, FL | $732.4M | 112.31% |
| 11 | Florida A & M University Federal Credit Union Tallahassee, FL | Credit Union | — | $27.5M | 108.71% |
| 12 | Members Trust Company Tampa, FL | Bank | Tampa-St. Petersburg-Clearwater, FL | $34.3M | 101.01% |
| 13 | Florida Customs Federal Credit Union Tampa, FL | Credit Union | — | $6.9M | 98.48% |
| 14 | Compass Financial Federal Credit Union Hialeah, FL | Credit Union | — | $25.1M | 98.11% |
| 15 | Southernmost Federal Credit Union Key West, FL | Credit Union | — | $16.7M | 96.71% |
| 16 | Waterfall Bank Clearwater, FL | Bank | Tampa-St. Petersburg-Clearwater, FL | $409.9M | 95.61% |
| 17 | Pompano Beach City Emp. Credit Union Pompano Beach, FL | Credit Union | — | $31.6M | 95.18% |
| 18 | South Atlantic Federal Credit Union Boca Raton, FL | Credit Union | — | $17.7M | 94.27% |
| 19 | Jm Associates Federal Credit Union Jacksonville, FL | Credit Union | — | $152.6M | 94.26% |
| 20 | Insight Credit Union Winter Springs, FL | Credit Union | — | $659.8M | 93.08% |
| 21 | Priority Credit Union Orlando, FL | Credit Union | — | $56.1M | 92.00% |
| 22 | Memorial Employees Financial Credit Union Hollywood, FL | Credit Union | — | $92.8M | 91.17% |
| 23 | Coastline Federal Credit Union Jacksonville, FL | Credit Union | — | $137.3M | 90.70% |
| 24 | Everglades Federal Credit Union Clewiston, FL | Credit Union | — | $55.9M | 90.18% |
| 25 | TCM Bank, National Association Tampa, FL | Bank | Tampa-St. Petersburg-Clearwater, FL | $382.4M | 89.87% |
| 26 | Metro North Federal Credit Union Jacksonville, FL | Credit Union | — | $21.6M | 89.28% |
| 27 | Century Bank of Florida Tampa, FL | Bank | Tampa-St. Petersburg-Clearwater, FL | $101.1M | 88.46% |
| 28 | First National Bank of Pasco Dade City, FL | Bank | Tampa-St. Petersburg-Clearwater, FL | $280.0M | 88.42% |
| 29 | University Credit Union Miami, FL | Credit Union | — | $233.4M | 88.10% |
| 30 | First National Bank of Wauchula Wauchula, FL | Bank | Wauchula, FL | $87.5M | 87.86% |
| 31 | T M H Federal Credit Union Tallahassee, FL | Credit Union | — | $89.0M | 87.80% |
| 32 | Jax Fire Credit Union Jacksonville, FL | Credit Union | — | $41.6M | 87.52% |
| 33 | Local 606 Electrical Workers Federal Credit Union Orlando, FL | Credit Union | — | $5.4M | 87.22% |
| 34 | Okaloosa County Teachers Federal Credit Union Crestview, FL | Credit Union | — | $133.6M | 87.03% |
| 35 | Launch Credit Union Merritt Island, FL | Credit Union | — | $1.46B | 86.24% |
| 36 | Gulf Coast Business Bank Fort Myers, FL | Bank | Cape Coral-Fort Myers, FL | $186.6M | 85.88% |
| 37 | Farmers Federal Credit Union Jacksonville, FL | Credit Union | — | $22.3M | 85.78% |
| 38 | Miami Federal Credit Union Miami, FL | Credit Union | — | $43.8M | 85.03% |
| 39 | Gold Coast Federal Credit Union Palm Springs, FL | Credit Union | — | $267.8M | 84.73% |
| 40 | The First National Bank of Mount Dora Mount Dora, FL | Bank | Orlando-Kissimmee-Sanford, FL | $358.0M | 84.73% |
| 41 | My Pensacola Federal Credit Union Pensacola, FL | Credit Union | — | $90.0M | 84.23% |
| 42 | Pinellas Federal Credit Union Largo, FL | Credit Union | — | $172.5M | 83.52% |
| 43 | Edison National Bank Fort Myers, FL | Bank | Cape Coral-Fort Myers, FL | $453.7M | 82.89% |
| 44 | Ficare Federal Credit Union Wesley Chapel, FL | Credit Union | — | $81.1M | 82.57% |
| 45 | Guardians Credit Union West Palm Beach, FL | Credit Union | — | $309.5M | 82.21% |
| 46 | Calhoun Liberty Credit Union Blountstown, FL | Credit Union | — | $172.6M | 82.16% |
| 47 | Addition Financial Credit Union Lake Mary, FL | Credit Union | — | $3.81B | 81.72% |
| 48 | First State Bank Key West, FL | Bank | Key West, FL | $1.18B | 81.59% |
| 49 | Miami Postal Service Credit Union Miami, FL | Credit Union | — | $192.9M | 81.40% |
| 50 | Trax Federal Credit Union Tampa, FL | Credit Union | — | $490.1M | 81.20% |