Wauchula, FL · Cert 18136 · First Hardee Holding Corp.
National charter · OCC · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.38% | 0.92% | 0.87% | 2.13% | 0.85% | 1.38% | 0.45% | 0.54% | -159 bps | |
| Return on Equity | 14.03% | 9.23% | 8.73% | 20.46% | 7.87% | 12.48% | 4.03% | 4.90% | -1,556 bps | |
| Net Interest Margin | 4.25% | 4.93% | 4.78% | 4.88% | 5.05% | 4.98% | 4.79% | 4.96% | +8 bps | |
| Efficiency Ratio | 70.44% | 78.17% | 78.51% | 59.29% | 80.34% | 72.77% | 88.76% | 87.02% | +2,773 bps | |
| Non-Interest Burden | 2.47% | 3.78% | 3.66% | 2.18% | 3.97% | 3.20% | 4.21% | 4.26% | +208 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.59% | -3.20% | -4.59% | -5.74% | -6.78% | -2.73% | 1.25% | 2.57% | +832 bps | |
| Loan Growth (YoY) | -3.39% | -4.06% | -1.91% | -4.55% | -4.75% | -5.16% | -11.87% | -11.12% | -657 bps | |
| Deposit Growth (YoY) | 5.38% | -9.67% | -5.79% | -4.52% | -5.28% | 4.88% | 3.43% | 2.20% | +673 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.83% | 1.00% | 1.11% | 1.11% | 1.10% | 1.22% | 1.23% | 0.80% | -30 bps | |
| Net Charge-Offs / Loans | -0.03% | -0.02% | -0.04% | -0.02% | -0.03% | -0.04% | -0.05% | -0.01% | 0 bps | |
| Allowance / Loans | 1.52% | 1.53% | 1.54% | 1.59% | 1.63% | 1.64% | 1.78% | 1.82% | +23 bps | |
| Allowance Coverage of NPLs | 1.8x | 1.5x | 1.4x | 1.4x | 1.5x | 1.3x | 1.4x | 2.3x | +0.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.36% | 10.74% | 11.48% | 11.68% | 11.90% | 12.32% | 12.39% | 12.16% | +48 bps | |
| Total Risk-Based Capital | 11.36% | 10.74% | 11.48% | 11.68% | 11.90% | 12.32% | 12.39% | 12.16% | +48 bps | |
| Equity / Assets | 10.20% | 9.78% | 10.25% | 10.61% | 10.99% | 11.17% | 10.95% | 11.24% | +62 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.37% | 93.26% | 89.16% | 86.26% | 85.84% | 84.33% | 75.97% | 75.02% | -1,124 bps | |
| Liquid Assets / Assets | 10.22% | 8.72% | 6.20% | 7.97% | 9.37% | 10.63% | 17.06% | 14.47% | +650 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 142.99% | 165.73% | 158.57% | n/a | n/a | |