First National Bank Northwest Florida

Panama City, FL · Cert 25122 · Peer group: banks under $1B in assets operating in a single state (n=819-825)

FDIC · 2 branches

Q2 2024

$175.8MAssets

$59.1MLoans

$147.6MDeposits

$27.2MEquity

Executive Summary

Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 132 of 819).
Widest gap: return on equity trails 26% of banks under $1B in assets operating in a single state (rank 214 of 823).
Overall: at or above the peer median on 9 of 9 directional measures.

Return on Assets

1.95%

Rank 44 of 825

Net Interest Margin

4.17%

Rank 125 of 823

Efficiency Ratio

41.59%

Rank 34 of 825

Equity / Assets

15.49%

Rank 99 of 825

Unfavorable gap of $2.9M · efficiency ratio beats 96% of banks under $1B in assets operating in a single state

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank	8-Qtr Trend
Earnings
Return on Assets	1.95%	0.44%	0.82%	1.20%	Beats 95%	44 / 825	n/a
Return on Equity	12.61%	4.83%	8.68%	12.76%	Beats 74%	214 / 823	n/a
Net Interest Margin	4.17%	2.67%	3.21%	3.78%	Beats 85%	125 / 823	n/a
Efficiency Ratio	41.59%	60.48%	70.66%	82.88%	Beats 96%	34 / 825	n/a
Asset Quality
Nonperforming Loans / Loans	0.00%	0.04%	0.33%	0.89%	Beats 100%	132 / 819	n/a
Net Charge-Offs / Loans	0.00%	n/a	0.01%	0.04%	Beats 100%	221 / 819	n/a
Capital
Tier 1 Capital Ratio	51.49%	11.27%	13.54%	17.30%	Beats 98%	16 / 825	n/a
Total Risk-Based Capital Ratio	52.75%	11.58%	14.22%	17.83%	Beats 98%	16 / 825	n/a
Equity / Assets	15.49%	7.81%	9.47%	12.02%	Beats 88%	99 / 825	n/a
Liquidity & Funding
Loans / Deposits	40.07%	59.04%	76.96%	89.87%	6th pctl	773 / 825	n/a
Loans / Assets	33.64%	51.66%	65.27%	75.68%	5th pctl	778 / 819	n/a
Brokered Deposits / Deposits	n/a	Not reported for this institution