- December 13, 2025
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Size isn't everything in banking.
Consider Charlotte State Bank & Trust, a community bank headquartered in Port Charlotte with $271 million in assets. Its 15% return on equity was second only to Raymond James Bank in St. Petersburg, at $10 billion assets the region's largest bank.
Return on equity is measured as annualized net income as a percent of average equity. It's what the bank's owners are earning on their investment.
