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 (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 | 0.55% | 0.83% | 1.24% | 1.29% | 1.27% | 1.26% | 1.37% | 1.12% | -17 bps | |
| Return on Equity | 6.92% | 10.37% | 15.79% | 15.82% | 14.77% | 14.57% | 15.73% | 12.57% | -324 bps | |
| Net Interest Margin | 4.24% | 4.30% | 4.49% | 4.55% | 4.53% | 4.49% | 4.53% | 4.60% | +4 bps | |
| Efficiency Ratio | 81.46% | 76.98% | 67.75% | 65.91% | 67.42% | 67.18% | 65.33% | 71.71% | +579 bps | |
| Non-Interest Burden | 3.48% | 3.22% | 2.90% | 2.83% | 2.87% | 2.82% | 2.74% | 3.11% | +28 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.58% | -0.40% | 4.89% | 0.20% | -1.70% | 1.64% | -2.65% | -1.16% | -136 bps | |
| Loan Growth (YoY) | 6.30% | 4.26% | 3.80% | -0.18% | -4.27% | -5.62% | -7.60% | -3.15% | -298 bps | |
| Deposit Growth (YoY) | 4.50% | -0.51% | 4.59% | -0.27% | -2.07% | 1.02% | -3.33% | -1.50% | -123 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.32% | 1.30% | 3.00% | 1.31% | 0.07% | 0.06% | 0.04% | 0.04% | -127 bps | |
| Net Charge-Offs / Loans | -0.06% | -0.06% | 0.08% | -0.06% | 0.10% | -0.04% | -0.04% | 0.10% | +16 bps | |
| Allowance / Loans | 1.24% | 1.24% | 1.20% | 1.27% | 1.28% | 1.29% | 1.31% | 1.29% | +1 bps | |
| Allowance Coverage of NPLs | 0.9x | 1.0x | 0.4x | 1.0x | 19.4x | 21.0x | 33.8x | 29.6x | +28.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.55% | 9.37% | 9.56% | 9.78% | 9.89% | 9.75% | 9.96% | 10.32% | +53 bps | |
| Total Risk-Based Capital | 9.55% | 9.37% | 9.56% | 9.78% | 9.89% | 9.75% | 9.96% | 10.32% | +53 bps | |
| Equity / Assets | 8.30% | 7.62% | 8.06% | 8.31% | 8.84% | 8.47% | 8.95% | 8.91% | +61 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.99% | 81.63% | 81.08% | 78.47% | 79.17% | 76.27% | 77.50% | 77.15% | -132 bps | |
| Liquid Assets / Assets | 2.08% | 1.61% | 4.08% | 5.32% | 3.28% | 5.68% | 3.96% | 4.88% | -43 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 289% | 296% | 297% | n/a | n/a | |