Wake up and good morning. Troubled banks in Florida are starting to look like some assembly line. As many banks are closed by bank regulators and sold off by the FDIC -- the latest Florida failure of more than two dozen this year being Gulf State Community Bank in Carabelle last month -- it seems another still operating bank falls further into trouble. Bauer Financial released its latest quarterly (as of Sept. 30, 2010) list of Florida banks, rating them from "5 star" (financially strongest) to "zero star" (in deep trouble). Of more than 250 banks rated, 45 of them are zero stars, meaning we are apt to continue to see a vigorous pace of bank closings in this state well into 2011 or beyond. Not all zero-rated banks will fail and be sold to other financial institutions. Some will. Deposits up to $250,000 are insured by the FDIC.

Here's the complete statewide list of "zero star" rated banks, according to Bauer Financial's analysis. The nine based in the greater Tampa Bay area are noted in boldface:

Bank of Commerce, Sarasota 

Bank of Coral Gables: Coral Gables

Bank of Jackson County: Graceville

Bank of Miami N.A.: Coral Gables

Bank of Naples: Naples

Beach Community Bank: Fort Walton Beach

Centerbank of Jacksonville N.A.: Jacksonville

Central Florida State Bank: Belleview

Coastal Bank: Cocoa Beach

Cortez Community Bank: Brooksville

Eurobank: Boca Raton

Fidelity Bank of Florida N.A.: Merritt Island

First Capital Bank: Marianna

First City Bank of Florida: Fort Walton Beach

First Commercial Bank of Florida: Orlando

First Commercial Bank of Tampa Bay: Tampa

First Community Bank of America: Pinellas Park

First Community Bank of Southwest Florida: Fort Myers

First East Side Savings Bank: Tamarac

First Guaranty Bank & Trust of Jacksonville: Jacksonville

First Home Bank: Seminole

First National Bank of Central Florida: Winter Park

First National Bank of Crestview: Crestview

First National Bank of Florida: Milton

First Peoples Bank: Port Saint Lucie

Florida Capital Bank N.A.: Jacksonville

Great Florida Bank: Miami

Gulf Coast Community Bank: Pensacola

Heritage Bank of North Florida: Orange Par

Home Federal Bank of Hollywood: Hallandale Beach

Independent Bankers Bank of Florida: Lake Mary

Landmark Bank of Florida: Sarasota

Ocean Bank: Miami

Old Harbor Bank: Clearwater

OptimumBank: Plantation

Putnam State Bank: Palatka

Reliance Bank FSB: Fort Myers

Royal Palm Bank of Florida: Naples

Security Bank N.A.: North Lauderdale

Southern Commerce Bank N.A.: Tampa

Southshore Community Bank: Apollo Beach

Sunrise Bank: Cocoa Beach

Sunshine State Community Bank: Port Orange

Superior Bank: Tampa

TransCapital Bank: Sunrise

-- Robert Trigaux, Times Business Columnist