Florida Capital Bank, N.A.
Jacksonville, FL · Cert 26323 · Peer group: banks under $1B in assets (n=570-617) · Florida Capital Group Inc.
National charter · OCC · 5 branches
Q2 2026
$713.1MAssets
$540.9MLoans
$639.8MDeposits
$70.0MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 69% of banks under $1B in assets (rank 178 of 570).
- Widest gap: efficiency ratio trails 66% of banks under $1B in assets (rank 409 of 617).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
0.95%
Rank 335 of 617
Net Interest Margin
3.88%
Rank 201 of 617
Efficiency Ratio
74.39%
Rank 409 of 617
Equity / Assets
9.81%
Rank 376 of 617
Non-interest income vs. expense
Unfavorable gap of $18.9M · efficiency ratio beats 34% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.95% | 0.60% | 1.01% | 1.45% | Beats 46% | 335 / 617 | |
| Return on Equity | 9.67% | 5.30% | 9.43% | 13.30% | Beats 51% | 300 / 617 | |
| Net Interest Margin | 3.88% | 3.04% | 3.54% | 4.05% | Beats 67% | 201 / 617 | |
| Efficiency Ratio | 74.39% | 58.03% | 67.76% | 79.08% | Beats 34% | 409 / 617 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.16% | 0.09% | 0.47% | 1.27% | Beats 69% | 178 / 570 | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.06% | Beats 56% | 257 / 570 | |
| Capital |
| Tier 1 Capital Ratio | 15.04% | 11.18% | 13.83% | 18.55% | Beats 60% | 247 / 617 | |
| Total Risk-Based Capital Ratio | 16.29% | 11.56% | 14.39% | 19.39% | Beats 63% | 227 / 617 | |
| Equity / Assets | 9.81% | 9.03% | 10.55% | 13.63% | Beats 39% | 376 / 617 | |
| Liquidity & Funding |
| Loans / Deposits | 84.54% | 64.77% | 79.70% | 93.06% | 57th pctl | 248 / 582 | |
| Loans / Assets | 75.85% | 51.70% | 67.18% | 77.51% | 70th pctl | 184 / 617 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |