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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.16% | 1.20% | 1.11% | 1.23% | 1.23% | 1.19% | 1.22% | 1.26% | +4 bps | |
| Return on Equity | 14.50% | 14.68% | 13.55% | 14.63% | 14.14% | 12.81% | 12.89% | 13.27% | -136 bps | |
| Net Interest Margin | 3.37% | 3.29% | 3.15% | 3.33% | 3.66% | 3.39% | 3.32% | 3.40% | +7 bps | |
| Efficiency Ratio | 55.71% | 54.78% | 59.85% | 57.54% | 51.68% | 56.78% | 58.11% | 57.81% | +27 bps | |
| Non-Interest Burden | 1.62% | 1.52% | 1.63% | 1.65% | 1.60% | 1.67% | 1.67% | 1.68% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.71% | -2.29% | -1.23% | 3.20% | 1.93% | -1.88% | 1.33% | 0.60% | -260 bps | |
| Loan Growth (YoY) | 7.38% | 6.30% | 9.51% | 9.11% | 8.04% | 9.33% | 7.02% | 10.60% | +149 bps | |
| Deposit Growth (YoY) | -5.17% | -3.26% | -2.48% | 2.54% | 1.47% | -3.32% | 0.41% | -0.60% | -314 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.28% | 0.17% | 0.17% | 0.21% | 0.21% | 0.18% | 0.31% | 0.29% | +8 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.16% | -0.07% | 0.01% | -0.04% | 0.22% | 0.02% | 0.03% | +2 bps | |
| Allowance / Loans | 1.33% | 1.34% | 1.36% | 1.36% | 1.38% | 1.36% | 1.37% | 1.33% | -3 bps | |
| Allowance Coverage of NPLs | 4.8x | 7.9x | 8.2x | 6.5x | 6.7x | 7.6x | 4.5x | 4.6x | -1.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.81% | 9.89% | 10.23% | 10.43% | 10.49% | 10.57% | 10.82% | 10.97% | +54 bps | |
| Total Risk-Based Capital | 15.46% | 15.82% | 15.68% | 15.79% | 16.03% | 16.09% | 16.06% | 15.77% | -2 bps | |
| Equity / Assets | 8.29% | 8.11% | 8.29% | 8.52% | 8.89% | 9.67% | 9.30% | 9.76% | +124 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 64.59% | 65.38% | 66.97% | 68.92% | 68.77% | 73.93% | 71.38% | 76.69% | +777 bps | |
| Liquid Assets / Assets | 14.52% | 15.34% | 13.69% | 12.80% | 15.18% | 10.76% | 13.96% | 9.50% | -331 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 327% | 322% | 324% | n/a | n/a | |