Jacksonville, FL · Cert 26323 · Florida Capital Group Inc.
National charter · OCC · 5 branches
Q2 2026
Market Position · Jacksonville, FL · 2026 SOD (annual) · 0.4% share · #14 of 36 inst. · $0.5B of $120.9B
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 | 0.27% | 0.72% | 1.54% | 1.02% | 0.95% | 0.68% | 1.14% | 0.80% | -22 bps | |
| Return on Equity | 2.57% | 7.26% | 15.73% | 10.15% | 9.55% | 6.60% | 11.48% | 8.27% | -189 bps | |
| Net Interest Margin | 3.33% | 3.18% | 3.65% | 3.69% | 3.61% | 3.45% | 3.59% | 3.72% | +3 bps | |
| Efficiency Ratio | 92.20% | 80.04% | 63.49% | 72.01% | 76.95% | 80.08% | 71.30% | 77.80% | +580 bps | |
| Non-Interest Burden | 2.98% | 2.25% | 1.71% | 2.35% | 2.37% | 2.54% | 2.25% | 2.67% | +32 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.71% | 30.45% | 17.17% | 17.91% | 15.87% | 0.98% | 16.95% | 8.85% | -907 bps | |
| Loan Growth (YoY) | 18.82% | 10.40% | 8.39% | 6.73% | 3.29% | 7.77% | 6.92% | 5.72% | -100 bps | |
| Deposit Growth (YoY) | 32.65% | 34.40% | 20.45% | 32.57% | 24.31% | -0.08% | 18.03% | 9.21% | -2,337 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.28% | 0.53% | 0.48% | 0.38% | 0.22% | 0.19% | 0.18% | 0.16% | -21 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.00% | 0.05% | 0.01% | -0.01% | -0.01% | 0.00% | -5 bps | |
| Allowance / Loans | 1.23% | 1.29% | 1.26% | 1.20% | 1.24% | 1.26% | 1.24% | 1.19% | -1 bps | |
| Allowance Coverage of NPLs | 4.4x | 2.4x | 2.6x | 3.2x | 5.7x | 6.6x | 6.9x | 7.4x | +4.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.75% | 10.44% | 9.25% | 9.65% | 10.12% | 10.10% | 8.53% | 9.77% | +12 bps | |
| Total Risk-Based Capital | 15.54% | 16.03% | 16.01% | 15.56% | 16.15% | 16.41% | 16.40% | 16.29% | +73 bps | |
| Equity / Assets | 10.61% | 9.30% | 10.26% | 9.81% | 10.18% | 10.27% | 9.63% | 9.81% | 0 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 104.18% | 79.70% | 88.93% | 87.32% | 86.57% | 85.97% | 80.57% | 84.54% | -278 bps | |
| Liquid Assets / Assets | 6.86% | 23.02% | 15.24% | 15.95% | 17.02% | 17.07% | 19.78% | 16.52% | +57 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 352% | 354% | 340% | n/a | n/a | |