Umatilla, FL · Cert 15465 · Unisouth Inc.
State charter, non-member · FDIC · 14 branches
Q2 2026
Market Position · Orlando-Kissimmee-Sanford, FL · 2026 SOD (annual) · 1.1% share · #17 of 49 inst. · $0.7B of $68.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.81% | 0.90% | 1.03% | 1.09% | 1.11% | 1.19% | 1.19% | 1.23% | +14 bps | |
| Return on Equity | 18.25% | 20.12% | 20.57% | 20.48% | 19.42% | 19.69% | 16.14% | 16.60% | -389 bps | |
| Net Interest Margin | 2.79% | 2.77% | 3.05% | 3.27% | 3.38% | 3.29% | 3.46% | 3.52% | +25 bps | |
| Efficiency Ratio | 68.88% | 67.30% | 63.26% | 62.17% | 61.85% | 61.66% | 62.74% | 61.74% | -43 bps | |
| Non-Interest Burden | 1.73% | 1.67% | 1.72% | 1.79% | 1.85% | 1.79% | 1.92% | 1.90% | +11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.73% | -6.02% | -0.75% | -2.01% | -2.12% | -1.27% | -3.56% | -0.65% | +136 bps | |
| Loan Growth (YoY) | 8.61% | 7.95% | 8.80% | 8.67% | 9.79% | 10.08% | 10.34% | 10.61% | +194 bps | |
| Deposit Growth (YoY) | -4.80% | -1.09% | 3.94% | 2.54% | 2.95% | -1.07% | -5.74% | -2.49% | -503 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.44% | 0.40% | 0.38% | 0.38% | 0.49% | 0.52% | 0.51% | 0.44% | +6 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.04% | -0.03% | -0.02% | -0.01% | -0.01% | 0.00% | 0.02% | +4 bps | |
| Allowance / Loans | 2.39% | 2.29% | 2.25% | 2.18% | 2.15% | 2.09% | 2.04% | 1.96% | -22 bps | |
| Allowance Coverage of NPLs | 5.4x | 5.8x | 5.9x | 5.8x | 4.4x | 4.0x | 4.0x | 4.5x | -1.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.19% | 9.15% | 9.47% | 10.21% | 10.61% | 10.38% | 10.62% | 10.77% | +56 bps | |
| Total Risk-Based Capital | 17.68% | 9.15% | 9.47% | 10.21% | 10.61% | 10.38% | 10.62% | 10.77% | +56 bps | |
| Equity / Assets | 5.60% | 4.64% | 5.39% | 6.00% | 6.89% | 7.30% | 7.38% | 7.61% | +160 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 52.66% | 51.53% | 50.13% | 53.85% | 56.16% | 57.34% | 58.69% | 61.09% | +723 bps | |
| Liquid Assets / Assets | 9.05% | 10.34% | 12.33% | 8.78% | 6.98% | 7.29% | 7.58% | 6.66% | -212 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 276% | 276% | 277% | n/a | n/a | |