Florida Bank Audit & Tax Services — Trusted by More Florida Banks Than Any Other CPA Firm
A Personal Approach for Tampa and Florida Banks
Since 1974, Hacker, Johnson & Smith PA has served as the independent auditor and tax advisor of choice for Florida financial institutions.
Today, we work with more Florida banks than the next two CPA firms combined, from newly chartered de novo banks to institutions managing over $4 billion in total assets. Our services are built around one goal: keeping your institution audit-ready, exam-ready, and compliant year-round.
Our clients include both privately and publicly traded entities, and we proudly serve more Florida-based banks than the next two CPA firms combined.
Our approach is simple: by becoming deeply familiar with each client’s operations, we ensure efficient, cost-effective audit and tax services. This “personal touch” is what sets us apart, making us a preferred choice for banks and financial institutions across the state.
Learn more about our CPA services in Tampa to see how we can support your institution.
Audit & Tax Services Built for Florida Banks
Our work goes beyond the annual audit. We serve as a year-round resource for your management team, audit committee, and board available by phone or in person at no additional cost.
This consistent engagement allows us to help our clients make informed, timely financial decisions throughout the year. Learn more about our team’s expertise in serving Florida banks.
Our audit approach is designed to perform an effective and efficient audit while identifying actionable recommendations to support improved operations.
Beyond testing financial records, our team also reviews operational policies and procedures to ensure that your institution gains maximum value from our audit process.
Discover more about how we support bank audit services in Tampa and what sets our approach apart.
If you’re interested in year-round support for accounting, audits, and tax services in the banking industry, our CPA team in Tampa is here to provide guidance tailored to your institution’s needs.
Our Services:
- Independent financial statement audits
- FDICIA internal controls audit (required for banks over $500M in assets)
- Attestation report on effectiveness of internal control structure over financial reporting
- SEC reporting audits for publicly traded bank holding companies (PCAOB-registered)
- De novo bank audit and tax services (organizational phase through first full year)
- Employee benefit plan audits
- HUD compliance audits
- Tax compliance and planning
- Federal and state income tax return preparation
- Quarterly estimated tax calculations
- Deferred tax asset/liability review
- Tax structure review and S-corporation elections
- Assistance with quarterly and annual tax disclosures for financial statements
- IRS and state tax authority representation
Year-Round Expertise: Not Just Accounting
At Hacker, Johnson & Smith PA, we’re here for our clients year-round, acting as a trusted sounding board not only for accounting matters but for a wide range of business and financial concerns. We understand that the need for timely, accurate guidance can arise at any time.
That’s why we offer ongoing access to our team for meetings and consultations—whether in person or by phone—without any additional fees. This support is an integral part of our audit and tax services and is included at no extra cost.
Our commitment to year-round accessibility means that you’re never left waiting when decisions need to be made. Learn more about our comprehensive tax audit services and how we prioritize client support.
With offices across Florida, including in Tampa, we’re always close by to assist. Discover how our CPA team’s expertise can help you navigate both routine and complex financial matters whenever you need us.
Why Florida Banks Trust Hacker, Johnson & Smith PA
- More Florida banks than any other firm. We serve more Florida financial institutions than the next two CPA firms combined — community banks, mutual savings banks, bank holding companies, and SEC-reporting public companies.
- 50+ years of Florida banking expertise. We have audited Florida banks continuously since 1974. We understand the Florida Office of Financial Regulation, the FDIC examination cycle, and what examiners look for.
- Partner-led on every engagement. A partner manages and reviews your audit from start to finish — not passed off to junior staff after the proposal is signed.
- Year-round access, no extra charge. Our engagement fee includes unlimited access to your partner and manager throughout the year. Call when a regulatory question comes up, not just at year-end.
- PCAOB-registered. Required for publicly traded bank holding companies. We are registered with the Public Company Accounting Oversight Board and are members of the AICPA’s Center for Public Company Audit Firms.
Frequently Asked Questions
How often does a Florida community bank need an independent audit?
Most Florida community banks are required to have an annual independent audit of their financial statements. Banks over $500 million in total assets are additionally subject to FDICIA requirements, which mandate an independent audit of internal controls over financial reporting and a management assessment.
What is a FDICIA audit and does my bank need one?
The Federal Deposit Insurance Corporation Improvement Act (FDICIA) requires banks with $500 million or more in total assets to have an independent audit of internal controls. Banks approaching this threshold should begin planning their compliance program in advance.
What does a bank audit from Hacker, Johnson & Smith PA include?
Our standard bank engagement includes the independent audit of financial statements, a review of internal controls, compliance testing, and year-round access to your engagement partner. For banks subject to FDICIA or SEC reporting requirements, we scope the engagement accordingly.
Do you work with publicly traded bank holding companies?
Yes. We are registered with the Public Company Accounting Oversight Board (PCAOB) and are members of the AICPA’s Center for Public Company Audit Firms. We provide SEC-required audits for publicly traded bank holding companies, including SOX 404(b) attestation engagements.
Can you help with a de novo bank that is still in the organizational phase?
Yes — this is one of our specialties. We have assisted in the formation of more than 50 de novo banks in Florida since 1974 and can provide audit, tax, and consulting support from the pre-charter phase through the first full year of operations.
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