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
Unfavorable gap of $8.6M · efficiency ratio beats 9% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.37% | 0.72% | 1.06% | 1.45% | Beats 12% | 653 / 746 | |
| Return on Equity | 5.25% | 6.74% | 10.51% | 13.63% | Beats 18% | 608 / 746 | |
| Net Interest Margin | 3.49% | 3.17% | 3.68% | 4.16% | Beats 39% | 454 / 746 | |
| Efficiency Ratio | 88.42% | 55.74% | 64.58% | 75.47% | Beats 9% | 680 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.36% | 0.09% | 0.42% | 1.07% | Beats 55% | 333 / 743 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 10.23% | 11.55% | 13.75% | 17.60% | Beats 11% | 663 / 746 | |
| Total Risk-Based Capital Ratio | 10.23% | 11.71% | 14.33% | 18.43% | Beats 10% | 670 / 746 | |
| Equity / Assets | 7.14% | 8.90% | 10.51% | 13.06% | Beats 8% | 689 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 72.16% | 61.31% | 78.27% | 90.78% | 39th pctl | 458 / 746 | |
| Loans / Assets | 60.34% | 53.60% | 66.97% | 76.08% | 36th pctl | 479 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |