PackageTrendsPeer
Letter portraitLegal landscape

First National Bank of Pasco

Dade City, FL · Cert 26829 · Florida Bancshares Inc.

National charter · OCC · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

10

Q2 2024Q2 2026peer median (50)

Asset Quality

78

Q2 2024Q2 2026peer median (50)

Profitability

23

Q2 2024Q2 2026peer median (50)

Liquidity

81

Q2 2024Q2 2026peer median

Efficiency

9

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First National Bank of Pasco

Dade City, FL · Cert 26829 · Florida Bancshares Inc.

National charter · OCC · 4 branches

Q2 2026

$280.0MAssets
$169.0MLoans
$234.1MDeposits
$20.0MEquity
Loan mix
63%RE $113.7M30%C&I $53.6M8%Consumer $13.9MQ2 2025Q2 2026
Deposit mix
73%Interest-bearing $170.2M27%Noninterest $64.0MQ2 2025Q2 2026

NIM

5.61%Q2 ’245.32%Q2 ’255.37%Q2 ’26-3%+6%

Non-interest income vs. expense

3.94%Q2 ’243.89%Q2 ’253.55%Q2 ’26-3%-3%

Market Position · Tampa-St. Petersburg-Clearwater, FL · 2026 SOD (annual) · 0.2% share · #34 of 60 inst. · $0.2B of $131.5B

Executive Summary

  • Earnings: ROA of 0.37%, up 21 bps year over year; NIM at 3.49%.
  • Asset quality: problem loans at 0.36% of loans (-3 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.23%, up 108 bps from a year ago.
  • Funding: loans stand at 72.16% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.37%+21 bps YoY

Net Interest Margin (YTD, annualized)

3.49%+19 bps YoY

Efficiency Ratio (YTD, annualized)

88.42%-688 bps YoY

Tier 1 Leverage Ratio

10.23%+108 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.16%0.01%0.08%0.37%0.37%+21 bps
Return on Equity2.89%0.20%1.38%5.32%5.31%+241 bps
Net Interest Margin3.30%3.32%3.43%3.53%3.49%+19 bps
Efficiency Ratio95.30%99.71%96.73%88.66%88.42%-688 bps
Non-Interest Burden3.11%3.31%3.29%3.07%3.03%-8 bps
Growth
Asset Growth (YoY)-1.34%-7.01%-7.69%-10.24%-9.70%-836 bps
Loan Growth (YoY)-0.91%-2.73%-1.96%-6.45%-12.02%-1,111 bps
Deposit Growth (YoY)-9.68%-7.17%-9.02%-11.65%-12.01%-233 bps
Asset Quality
Nonperforming Loans / Loans0.40%0.38%0.35%0.36%0.36%-3 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%-1 bps
Allowance / Loans1.49%1.52%1.54%1.58%1.70%+21 bps
Allowance Coverage of NPLs3.8x4.0x4.4x4.4x4.7x+0.9x
Capital
Tier 1 Leverage Ratio9.15%9.28%9.63%10.04%10.23%+108 bps
Total Risk-Based Capital9.15%9.28%9.63%10.04%10.23%+108 bps
Equity / Assets5.76%6.39%6.85%6.88%7.14%+138 bps
Liquidity & Funding
Loans / Deposits72.17%74.18%76.98%75.23%72.16%-1 bps
Liquid Assets / Assets2.53%4.34%1.70%2.37%2.65%+12 bps
CRE / Total Capitaln/a312%300%289%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

First National Bank of Pasco

Dade City, FL · Cert 26829 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Florida Bancshares Inc.

National charter · OCC · 4 branches

Q2 2026

$280.0MAssets
$169.0MLoans
$234.1MDeposits
$20.0MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
  • Widest gap: equity / assets trails 92% of banks under $1B in assets operating in a single state (rank 689 of 746).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.37%

Rank 653 of 746

Net Interest Margin

3.49%

Rank 454 of 746

Efficiency Ratio

88.42%

Rank 680 of 746

Equity / Assets

7.14%

Rank 689 of 746

Non-interest income vs. expense

$1.5M$10.1MINCOMEEXPENSE
Unfavorable gap of $8.6M · efficiency ratio beats 9% of banks under $1B in assets operating in a single state
Bank 88.42%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.37%0.72%1.06%1.45%Beats 12%653 / 746
Return on Equity5.25%6.74%10.51%13.63%Beats 18%608 / 746
Net Interest Margin3.49%3.17%3.68%4.16%Beats 39%454 / 746
Efficiency Ratio88.42%55.74%64.58%75.47%Beats 9%680 / 746
Asset Quality
Nonperforming Loans / Loans0.36%0.09%0.42%1.07%Beats 55%333 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%185 / 743
Capital
Tier 1 Capital Ratio10.23%11.55%13.75%17.60%Beats 11%663 / 746
Total Risk-Based Capital Ratio10.23%11.71%14.33%18.43%Beats 10%670 / 746
Equity / Assets7.14%8.90%10.51%13.06%Beats 8%689 / 746
Liquidity & Funding
Loans / Deposits72.16%61.31%78.27%90.78%39th pctl458 / 746
Loans / Assets60.34%53.60%66.97%76.08%36th pctl479 / 746
Brokered Deposits / Depositsn/aNot reported for this institution