Niceville, FL · Cert 26687 · Bankshares Corp. of Niceville
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Crestview-Fort Walton Beach-Destin, FL · 2026 SOD (annual) · 1.7% share · #16 of 28 inst. · $0.1B of $8.3B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.27% | 1.27% | 1.26% | 1.37% | 1.24% | -3 bps | |
| Return on Equity | 15.88% | 15.49% | 15.31% | 15.73% | 14.18% | -170 bps | |
| Net Interest Margin | 4.54% | 4.56% | 4.56% | 4.53% | 4.62% | +8 bps | |
| Efficiency Ratio | 66.82% | 67.02% | 67.06% | 65.33% | 68.51% | +169 bps | |
| Non-Interest Burden | 2.87% | 2.89% | 2.89% | 2.74% | 2.95% | +8 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.20% | -1.70% | 1.64% | -2.65% | -1.16% | -136 bps | |
| Loan Growth (YoY) | -0.18% | -4.27% | -5.62% | -7.60% | -3.15% | -298 bps | |
| Deposit Growth (YoY) | -0.27% | -2.07% | 1.02% | -3.33% | -1.50% | -123 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.31% | 0.07% | 0.06% | 0.04% | 0.04% | -127 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.04% | 0.02% | -0.04% | 0.03% | +2 bps | |
| Allowance / Loans | 1.27% | 1.28% | 1.29% | 1.31% | 1.29% | +1 bps | |
| Allowance Coverage of NPLs | 1.0x | 19.4x | 21.0x | 33.8x | 29.6x | +28.7x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.78% | 9.89% | 9.75% | 9.96% | 10.32% | +53 bps | |
| Total Risk-Based Capital | 9.78% | 9.89% | 9.75% | 9.96% | 10.32% | +53 bps | |
| Equity / Assets | 8.31% | 8.84% | 8.47% | 8.95% | 8.91% | +61 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 78.47% | 79.17% | 76.27% | 77.50% | 77.15% | -132 bps | |
| Liquid Assets / Assets | 5.32% | 3.28% | 5.68% | 3.96% | 4.88% | -43 bps | |
| CRE / Total Capital | n/a | 289% | 296% | 297% | n/a | n/a | |