First National Bank of Wauchula
Wauchula, FL · Cert 18136 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · First Hardee Holding Corp.
National charter · OCC · 1 branch
Q2 2026
$87.5MAssets
$57.2MLoans
$76.2MDeposits
$9.8MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
- Widest gap: efficiency ratio trails 91% of banks under $1B in assets operating in a single state (rank 677 of 746).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.49%
Rank 634 of 746
Net Interest Margin
4.80%
Rank 46 of 746
Efficiency Ratio
87.86%
Rank 677 of 746
Equity / Assets
11.24%
Rank 301 of 746
Non-interest income vs. expense
Unfavorable gap of $3.6M · efficiency ratio beats 9% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.49% | 0.72% | 1.06% | 1.45% | Beats 15% | 634 / 746 | |
| Return on Equity | 4.39% | 6.74% | 10.51% | 13.63% | Beats 16% | 627 / 746 | |
| Net Interest Margin | 4.80% | 3.17% | 3.68% | 4.16% | Beats 94% | 46 / 746 | |
| Efficiency Ratio | 87.86% | 55.74% | 64.58% | 75.47% | Beats 9% | 677 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.80% | 0.09% | 0.42% | 1.07% | Beats 33% | 500 / 743 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 12.16% | 11.55% | 13.75% | 17.60% | Beats 33% | 499 / 746 | |
| Total Risk-Based Capital Ratio | 12.16% | 11.71% | 14.33% | 18.43% | Beats 29% | 528 / 746 | |
| Equity / Assets | 11.24% | 8.90% | 10.51% | 13.06% | Beats 60% | 301 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 75.02% | 61.31% | 78.27% | 90.78% | 44th pctl | 416 / 746 | |
| Loans / Assets | 65.31% | 53.60% | 66.97% | 76.08% | 45th pctl | 407 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |