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De Novo Banks,
In Organization

De Novo Banks Tampa

Audit Services for De Novo Banks and Financial Institutions in Florida

Since 1974, we’ve provided independent audit and tax services to banks and holding companies across Florida. As the leading CPA firm for financial institutions in the state, we serve clients ranging from newly chartered de novo banks to organizations with over $4 billion in total assets—both privately held and publicly traded.

Today, we work with more Florida banks than the next two CPA firms combined. Our approach is simple: we take the time to deeply understand each institution’s operations so we can deliver efficient, risk-focused, and cost-effective services. This hands-on philosophy is what continues to set us apart in a highly regulated industry.

Services to De Novo Banks,
In Organization

  • Assist management with projections included in the applicable federal and state applications
  • Tax structure – C or S Corporation Elections
  • Tax compliance and planning servicess
  • Assistance with accounting issues
CPA reviewing financial documents with a client at a professional office desk, featuring a laptop, calculator, and organized files.
tax audit services

Supporting De Novo Banks in Organization: From Charter to Opening Day

Launching a new financial institution is complex. We specialize in helping de novo banks in organization navigate the critical early phases—from forming organizing groups to preparing regulatory filings and aligning tax strategies.

Whether you’re part of a de novo bank organizing group or still evaluating the viability of a charter application, our team offers hands-on support tailored to Florida’s banking landscape.

We provide:

  • Pre-charter financial modeling

  • FDIC and state application guidance

  • Governance and board structuring

  • Tax planning aligned with C or S-corp elections

  • Audit readiness assessments

 Learn more about our De Novo Consulting Services or explore our Tax Planning for Startups page for additional insights.

Our experience helping dozens of Florida-based banks from the ground up means we understand both the regulatory burden and the practical needs of bank founders.

Florida Bank Consulting
and Tax Services

We have provided consulting and tax services to over fifty Florida (both national and state charters) and to organizing groups looking to charter a bank in Florida. We are currently working with several de novo bank organizing groups. Our services during the organizational phase consists of consulting and advising on management’s projections included in the applicable federal and state applications.

We will also prepare Federal and state income tax returns, as well as provide general assistance in accounting and tax matters. We have an excellent reputation of providing our clients with superior service on a timely basis. The firm is also a member of the Florida Bankers Association.

Industries

Key Bank Services

  • Independent audits
  • Attestation Report Concerning the Effectiveness of Internal Control Structure Over Financial Reporting
  • Novo services
  • Employee Benefit Plan audits
  • HUD Compliance
  • Assistance with accounting issues and compliance
  • Tax compliance and planning services
  • Tax return preparation
  • Quarterly estimate tax calculations
  • Representation before the IRS and state taxing authorities
  • Tax Structure – S Corporation Elections
  • Deferred tax asset (liability) review
  • Assistance with quarterly and annual tax disclosures for the financial statements and/or similar reports.