Wauchula, FL · Cert 18136 · First Hardee Holding Corp.
National charter · OCC · 1 branch
Q2 2026
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 | 0.78% | 0.82% | 0.87% | 1.50% | 1.29% | 1.31% | 0.45% | 0.50% | -100 bps | |
| Return on Equity | 8.20% | 8.56% | 8.73% | 14.69% | 12.35% | 12.42% | 4.03% | 4.46% | -1,023 bps | |
| Net Interest Margin | 4.28% | 4.40% | 4.78% | 4.83% | 4.95% | 5.03% | 4.79% | 4.80% | -3 bps | |
| Efficiency Ratio | 80.21% | 79.68% | 78.51% | 67.76% | 71.70% | 71.99% | 88.76% | 87.86% | +2,010 bps | |
| Non-Interest Burden | 3.27% | 3.37% | 3.66% | 2.92% | 3.30% | 3.32% | 4.21% | 4.17% | +125 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 | -0.02% | -0.02% | -0.04% | -0.03% | -0.03% | -0.03% | -0.05% | -0.03% | 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 | |