For over 65 Years FNBSM has been serving it's clients with superior first class service

At First National Bank of South Miami, we pride ourselves on the relationships we have built with our clients for more than 60 years. These relationships are founded on our commitment to provide superior service by experienced professionals. We strive to provide First Class service to each and every one of our clients. 


Don’t just take our word for it. See what some of our clients have to say about our Bank.


Avra Jain – The Vagabond Group 

“FNBSM’s partnership with us has contributed to our development success which, in turn, has contributed to Miami’s evolving landscape”




Brad Williamson – Berkadia

First National Bank of South Miami we have found to be one of the best community banks in South Florida. They have continually delivered exceptional business terms for our customers while maintaining the highest level of consumer service. We constantly get great feedback from our clients who tend to do repeat business with the bank. We are fortunate not only to do business with First National Bank of South Miami but to also call consider them friends.


Beverly A. McGhee – Alexander Montessori School

For 56 years the First National Bank of South Miami has served our personal and business banking needs, supporting the growth of Alexander Montessori School with excellent guidance and personal attention from friendly, dediated staff members.




Tony Cho - METRO 1


First National Bank of South Miami has been an excellent banking partner and one of the easiest to work with since I started my career nearly 15 years ago.

FNBSM has the local market knowledge and relationships that make it an ideal partner. They have provided me with excellent customer service and treat me like a VIP. I have thoroughly enjoyed working with Patrick Khoury in particular and thier skilled and friendly team. I look for ward to many more years of success together.




Debbie & Tony Khoury, Home System Control

First National Bank of South Miami has been our choice bank since we first opened our Home Automation business in 1991. From the tellers at the front line to the executive vice president all the way to the c

hairman, we have received first class treatment. FNBSM and its very qualified staff have guided us along the way enabling us to focus on our business knowing that we had a first rate bank behind us for all of our banking needs.

FNBSM has given us the personal touch that you can’t find anywhere else. We honestly feel truly blessed that we found such a great bank and plan on continuing our relationship well into the future.


Eddie Montalvo, President, Silver Wings Aerospace

When I started my business, FNBSM helped me fund it by raising the credit limit on my Home Equity Line of Credit. Due to high sales volume, I needed additional capital to expand after the first nine months and when other banks said they don’t lend to start ups, FNBSM said yes to a receivables line of credit.



Giorgio Balli, CEO, GB Architecture Interiors Constructions

I have been a loyal customer since 1992, and can honestly say that FNBSM embodies all the professional qualities you could ask for in a financial institution. The bank’s core values include a sound investment policy that has stood the test of time, giving the client a strong feeling of financial security.

The staff at the bank is highly knowledgeable and courteous, eager to help out with all you financial needs. Together with rock solid principles, hometown appeal and the necessary know how, FNBSM will be your financial partner for life!



Jacque Huttoe, President, Huttoe Group, Realty Services

During my career spanning many years in the Miami commercial real estate market, I have had many rewarding associations which are essential to succeed and grow. The increasingly volatile and complex dynamics of the market requires, most importantly, a financial partner with the resources and dedication to effectuate rewarding endeavors.

We value our close partnership with FNBSM and rely on their dedicated and sincere professionalism in providing financial services in a personal and supportive manner second to none! With the wonderful staff at FNBSM we have had a most satisfying and enjoyable relationship which we anticipate will continue to grow. I never hesitate to recommend MY bank to others.



A. James Segal, M.D. – MedEye Associates

MedEye Associates has always been assisted and encouraged by our bankers at First National Bank of South Miami. While we have provided individual and supportive care to our patients. FNBSM has provided us the same kind of financial help and care.

As MedEye Associates continue to provide the most modern and individual care to our patients, we look forward to the continued help and support of FNBSM.



James McCants, Project Coordinator, MCRA

My father, James McCants, Sr., has banked with First National Bank of South Miami since I was a child, despite living near MetroZoo. I remember how they always treated my father in good spirits and with enthusiasm.

As South Miami Community Redevelopment Agency’s Community Outreach Program Coordinator, part of my functions is to help uplift the neediest of South Miami and I have always heard good things about FNBSM. For years they have served the community by supporting programs for the needy providing financial education for students and coordinating annual holiday toy drives.



Jeff Flanagan, Esq. – Flanagan & Williard, P.A.

Without hesitation, I recommend FNBSM to my clients and friends. The service, courtesy and friendly faces are un-matched. No matter the issue, someone is available to answer an email or to take the phone call. As a small business owner, it is imperative that I am able to reach people and not spend eons on hold or passed around to multiple voicemails. A close banking relationship is part of the formula for success and that’s what you get with FNBSM.



Joseph Sanz – President, Orion Investment and Management LTD, Corp.

FNBSM has been a great and reliable resource for major commercial loans for many years. I consider the bank to be an integral part of our business plan moving forward, and I would have no reservation to wholeheartedly recommend them.

Their reputation has always been second to none, and I certainly understand why this is the case. They always go the extra mile and are incredibly focused on making the loan we require available on the same rate and terms we need for not only our domestics investors but our international investors as well. I wish them continued success.



Juan Comendeiro, Benefit Plus

Most banks try and push you to all kinds of products, even ones you don’t need. At First National Bank of South Miami, they understand what I really need. So whether it is for my business or personal banking, their friendly staff stands ready to assist and make it easy for me! Here, you are treated great. They always call me by name and ask about my recent fishing and diving accomplishments.





Ralph Montalvo, President, Sea Hunter Boast

FNBSM has been our bank for almost 30 years. They have handled my accounts from my first savings accounts to the construction of our new state-of-the-art facility to manufacture Sea Hunter boats. They have always been there to help with our banking needs and performed flawlessly (like our boats!).




Kevin Senecal – CEO, Divers Direct

Divers Direct has been in business for mealy 30 years in Florida. We have done business with many banks and many bankers throughout the years. In order to purchase and renovate our building for a new store in Coral Gables, we required a bank that could see our vision for the building and work with us to make that happen.

The team at FNBSM was diligent in the review of our plans, easy to work with and knowledgeable with the SBA process. Working with Veronica and Bruce is really like having a friend at your bank. They do all these things with a personal touch that is rarely found in today’s business world.



Mary Scott Russell

As a working mother I appreciate the personal service and attention at FNBSM. From campaign accounts and car loans to my son’s first savings account, we have received knowledgeable, principled assistance every step if the way.

As a resident of South Miami for more than 21 years, I have seen countless of examples of their unwavering commitment to their clients and the community.

We feel good about banking where loyalty matters and look forward to growing with FNBSM for years to come.



Peter Cohen, Associate Director, Riviera Schools

Since 1972, Riviera Schools has counted on First National Bank of South Miami as a partner in our educational mission. FNBSM has been a true relationship bank and has been an integral part of our operations. Over the years, we have turned to FNBSM time and time again as a lender to help fund various capital and operational needs. We have always valued the people and the service at FNBSM, and we look forward to continuing our relationship for many more years to come.



Robert G. Berrin – President, Capital Realty

I have been banking with First National Bank of South Miami for over 35 years. During that time, I have been provided not only with the highest quality service but I have been treated as though I was one of the most important customers of the bank.

FNBSM has the unique ability to remain a “hometown” community bank with easy access to its officers and employees while still providing the latest in advanced banking services.



Jim Morris, Head Coach University of Miami

Long before I became head coach at UM, First National Bank of South Miami has been involved with the program, dating back to the bank becoming the first wall advertiser at Alex Rodriguez park. 

For nearly twenty years, First National Bank of South Miami has always been behind me and the program. I am proud to say that FNBSM is my bank.



South Miami Heart Specialists

For 35 years First National Bank of South Miami has been our bank at South Miami Heart Specialists. FNBSM provides big banks services with a small bank feel of real concern and real trust. Thank you for all the years and many more to come. I sleep well at nigh knowing our money is safe at FIRST!

Harry Aldrich, MD, Orlando Almaza, MD, Leonard Zwerling, MD, Abbe Rosenbaum, MD, Jaime Ghitelman, MD, Yale Samole, MD, and Jorge Cuello, MD.



Steven Wexler, president, Wexler Insurance Agency

We have used many different banks of all sizes (local, regional and national) over the past ten years. We were impressed by FNBSM’s technological innovation, dedication to customer service and banking expertise. We decided to move a sizeable portion of our business to FNBSM and we have not regretted that decision.

We also appreciated the responsiveness they gave us when obtaining a line of credit for our business. FNBSM was tremendously helpful in navigating us through the process of getting our loan approved in an expeditious manner. More importantly, FNBSM employees genuinely care about their customers and recognize them by name.



Tim Alexander, president, Trinity Air Conditioning Company LLC

Trinity Air Conditioning has been banking with First National Bank of South Miami for nearly 10 years now since our initial meeting with them, we have never considered banking with anyone else.

The entire team at FNBSM is extremely knowledgeable, courteous and always enthusiastic to serve their customers with the utmost professionalism. Not to mention, with personalized service that is unheard of in today’s banking industry. FNBSM is certainly a unique institution in today’s banking world and we look forward to a continued relationship with our favorite one of a kind bank.


Anthony Askowitz, Broker Owner, RE/MAX Real Estate

Over the years, I have had many occasions to work with banks to obtain financing for investment properties and businesses. With so many mergers of banks, I felt I had lost the personal connection in this process. As soon as I started working with FNBSM in 2008, I knew I had re-discovered that connection and more.

As the broker/owner of the #1RE/MAX office in Florida, I chose FNBSM to hold our multiple escrow accounts and all of our business accounts, and many of our agents do their personal banking with FNBSM. I highly recommend FNBSM for all banking needs, and I look forward to continuing a long relationship with FNBSM.


Neil Goodman, CEO of Aventura Worldwide Transportation Services

Working with the management team and support staff of FNBSM has been an exceptional experience for our company. They are extremely responsive to all our banking needs and with respect to our various lines of credit, they are truly a “relationship bank” which is something that were grown to enjoy and appreciate over the many years we have been with them.


Ricardo Estape, MD – South Miami GOG

Learning medicine was hard, but the business of medicine is harder. After practicing in Miami for 15 years and building a successful practice, I had the opportunity to finally own my office. It wasn’t just owning the building, but designing a workplace suitable for may staff and my patients.

Finding the right place was hard. Approaching the banks and trying to get a good deal was daunting. The staff of First National Bank of South Miami were great to work with. They found a great way to help me finance my office and talked me through every step of the way. From the tellers to the Chairman they have treated me like a king, and now I have my own castle. It is great to have a hometown bank.


Linda Bell, P.E. – President, Civil Works, Inc.

I started banking with First National Bank of South Miami in 1969, when I first moved to Miami. I have always received excellent service and been treated as a valued customer and friend. When I opened Civil Works, Consulting Engineering in 1996, I continued with FNBSM as my bank of choice for my commercial accounts, as well as my personal accounts. During the recent economic downturn, our local economy and my business were strongly impacted. FNBSM’s knowledgeable staff was there to provide expert guidance and assistance to help the business endure these difficult times.

Our business is now strong again and growing. When I walk in the bank offices, I am treated as “one of the family.” This hometown atmosphere, friendly people, and banking knowledge have made it easy for me to remain a loyal friend and customer.