Florida Capital Bank, N.A.
Jacksonville, FL · Cert 26323 · Peer group: banks under $1B in assets (n=581-629) · Florida Capital Group Inc.
National charter · OCC · 5 branches
Q2 2026
$713.1MAssets
$540.9MLoans
$639.8MDeposits
$70.0MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 68% of banks under $1B in assets (rank 204 of 629).
- Widest gap: efficiency ratio trails 66% of banks under $1B in assets (rank 418 of 629).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
0.95%
Rank 345 of 629
Net Interest Margin
3.88%
Rank 204 of 629
Efficiency Ratio
74.39%
Rank 418 of 629
Equity / Assets
9.81%
Rank 394 of 629
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 45% | 345 / 629 | |
| Return on Equity | 9.67% | 5.38% | 9.30% | 13.28% | Beats 52% | 304 / 629 | |
| Net Interest Margin | 3.88% | 3.03% | 3.54% | 4.05% | Beats 68% | 204 / 629 | |
| Efficiency Ratio | 74.39% | 58.35% | 67.79% | 79.08% | Beats 34% | 418 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.16% | 0.09% | 0.46% | 1.20% | Beats 68% | 186 / 581 | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.06% | Beats 56% | 257 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 15.04% | 11.24% | 13.84% | 18.77% | Beats 60% | 252 / 629 | |
| Total Risk-Based Capital Ratio | 16.29% | 11.58% | 14.43% | 19.66% | Beats 63% | 232 / 629 | |
| Equity / Assets | 9.81% | 9.09% | 10.65% | 13.80% | Beats 37% | 394 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 84.54% | 67.24% | 80.90% | 93.48% | 56th pctl | 262 / 594 | |
| Loans / Assets | 75.85% | 53.31% | 67.71% | 78.15% | 69th pctl | 198 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |