Tampa, FL · Cert 21031 · Tampa Bay Banking Co.
State charter, non-member · FDIC · 13 branches
Q2 2026
Market Position · Tampa-St. Petersburg-Clearwater, FL · 2026 SOD (annual) · 2.0% share · #9 of 60 inst. · $2.6B of $131.5B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.23% | 1.23% | 1.19% | 1.22% | 1.26% | +4 bps | |
| Return on Equity | 14.63% | 14.14% | 12.81% | 12.89% | 13.27% | -136 bps | |
| Net Interest Margin | 3.33% | 3.66% | 3.39% | 3.32% | 3.40% | +7 bps | |
| Efficiency Ratio | 57.54% | 51.68% | 56.78% | 58.11% | 57.81% | +27 bps | |
| Non-Interest Burden | 1.65% | 1.60% | 1.67% | 1.67% | 1.68% | +3 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.20% | 1.93% | -1.88% | 1.33% | 0.60% | -260 bps | |
| Loan Growth (YoY) | 9.11% | 8.04% | 9.33% | 7.02% | 10.60% | +149 bps | |
| Deposit Growth (YoY) | 2.54% | 1.47% | -3.32% | 0.41% | -0.60% | -314 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.21% | 0.21% | 0.18% | 0.31% | 0.29% | +8 bps | |
| Net Charge-Offs / Loans | 0.01% | -0.04% | 0.22% | 0.02% | 0.03% | +2 bps | |
| Allowance / Loans | 1.36% | 1.38% | 1.36% | 1.37% | 1.33% | -3 bps | |
| Allowance Coverage of NPLs | 6.5x | 6.7x | 7.6x | 4.5x | 4.6x | -1.9x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.43% | 10.49% | 10.57% | 10.82% | 10.97% | +54 bps | |
| Total Risk-Based Capital | 15.79% | 16.03% | 16.09% | 16.06% | 15.77% | -2 bps | |
| Equity / Assets | 8.52% | 8.89% | 9.67% | 9.30% | 9.76% | +124 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 68.92% | 68.77% | 73.93% | 71.38% | 76.69% | +777 bps | |
| Liquid Assets / Assets | 12.80% | 15.18% | 10.76% | 13.96% | 9.50% | -331 bps | |
| CRE / Total Capital | n/a | 327% | 322% | 324% | n/a | n/a | |