Raising the number of U. S. bank failures this year to 26, regulators say they shut down banks in Florida, Maryland, Illinois and Utah.

Sun American Bank, based in Boca Raton, Fla., Bank of Illinois of Normal, Ill., Waterfield Bank in Germantown, Md., and Centennial Bank in Ogden, Utah, had a total of $1.1 billion in assets and $1 billion in deposits, the Federal Deposit Insurance Corp. said on Friday.

The $304.8 million cost of the closings will come out of a fund the FDIC maintains.

The largest of the four banks, Sun American, had $535.7 million in assets and $443.5 million in deposits and 12 branches. It is to reopen Monday under the name First-Citizens Bank & Trust Co., which is to assume its deposits and assets as part of a loss-sharing agreement with the FDIC.

The Bank of Illinois, with $211.7 million in assets, will reopen under an agreement between the FDIC and Heartland Bank & Trust Co. in Bloomington. With two branches, the bank had $211.7 million in assets and $198.5 million in deposits. (With Input from Agencies)