Surety Bank
Deland, FL · Cert 33026 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Surety Financial Holdings Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
$213.7MAssets
$102.7MLoans
$189.6MDeposits
$23.8MEquity
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: net interest margin trails 94% of banks under $1B in assets operating in a single state (rank 698 of 746).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.59%
Rank 147 of 746
Net Interest Margin
2.48%
Rank 698 of 746
Efficiency Ratio
61.41%
Rank 304 of 746
Equity / Assets
11.15%
Rank 310 of 746
Non-interest income vs. expense
Unfavorable gap of $0.6M · efficiency ratio beats 59% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.59% | 0.72% | 1.06% | 1.45% | Beats 80% | 147 / 746 | | |
| Return on Equity | 14.24% | 6.74% | 10.51% | 13.63% | Beats 79% | 160 / 746 | | |
| Net Interest Margin | 2.48% | 3.17% | 3.68% | 4.16% | Beats 6% | 698 / 746 | | |
| Efficiency Ratio | 61.41% | 55.74% | 64.58% | 75.47% | Beats 59% | 304 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.22% | 0.09% | 0.42% | 1.07% | Beats 65% | 265 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 23.84% | 11.55% | 13.75% | 17.60% | Beats 90% | 75 / 746 | | |
| Total Risk-Based Capital Ratio | 24.93% | 11.71% | 14.33% | 18.43% | Beats 90% | 75 / 746 | | |
| Equity / Assets | 11.15% | 8.90% | 10.51% | 13.06% | Beats 58% | 310 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 54.15% | 61.31% | 78.27% | 90.78% | 16th pctl | 624 / 746 | | |
| Loans / Assets | 48.04% | 53.60% | 66.97% | 76.08% | 18th pctl | 609 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |