Dade City, FL · Cert 26829 · Florida Bancshares Inc.
National charter · OCC · 4 branches
Q2 2026
Market Position · Tampa-St. Petersburg-Clearwater, FL · 2026 SOD (annual) · 0.2% share · #34 of 60 inst. · $0.2B of $131.5B
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.24% | 0.19% | 0.14% | 0.16% | 0.01% | 0.08% | 0.37% | 0.37% | +21 bps | |
| Return on Equity | 4.29% | 3.40% | 2.56% | 2.89% | 0.20% | 1.38% | 5.32% | 5.31% | +241 bps | |
| Net Interest Margin | 3.28% | 3.22% | 3.26% | 3.30% | 3.32% | 3.43% | 3.53% | 3.49% | +19 bps | |
| Efficiency Ratio | 92.14% | 94.25% | 96.21% | 95.30% | 99.71% | 96.73% | 88.66% | 88.42% | -688 bps | |
| Non-Interest Burden | 2.97% | 2.99% | 3.11% | 3.11% | 3.31% | 3.29% | 3.07% | 3.03% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.38% | 1.33% | 4.30% | -1.34% | -7.01% | -7.69% | -10.24% | -9.70% | -836 bps | |
| Loan Growth (YoY) | 7.82% | 2.28% | 3.64% | -0.91% | -2.73% | -1.96% | -6.45% | -12.02% | -1,111 bps | |
| Deposit Growth (YoY) | -2.44% | -7.79% | -5.22% | -9.68% | -7.17% | -9.02% | -11.65% | -12.01% | -233 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.04% | 0.06% | 0.07% | 0.40% | 0.38% | 0.35% | 0.36% | 0.36% | -3 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.04% | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | -1 bps | |
| Allowance / Loans | 1.48% | 1.51% | 1.48% | 1.49% | 1.52% | 1.54% | 1.58% | 1.70% | +21 bps | |
| Allowance Coverage of NPLs | 33.2x | 25.3x | 19.8x | 3.8x | 4.0x | 4.4x | 4.4x | 4.7x | +0.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.36% | 9.26% | 9.18% | 9.15% | 9.28% | 9.63% | 10.04% | 10.23% | +108 bps | |
| Total Risk-Based Capital | 9.36% | 9.26% | 9.18% | 9.15% | 9.28% | 9.63% | 10.04% | 10.23% | +108 bps | |
| Equity / Assets | 5.99% | 5.49% | 5.70% | 5.76% | 6.39% | 6.85% | 6.88% | 7.14% | +138 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.80% | 71.44% | 71.04% | 72.17% | 74.18% | 76.98% | 75.23% | 72.16% | -1 bps | |
| Liquid Assets / Assets | 1.04% | 2.23% | 1.89% | 2.53% | 4.34% | 1.70% | 2.37% | 2.65% | +12 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 312% | 300% | 289% | n/a | n/a | |