Deland, FL · Cert 33026 · Surety Financial Holdings Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Deltona-Daytona Beach-Ormond Beach, FL · 2026 SOD (annual) · 1.3% share · #16 of 20 inst. · $0.2B of $15.0B
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 | 2.06% | 2.06% | 1.57% | 1.72% | 1.87% | 1.91% | 1.32% | 1.62% | -10 bps | |
| Return on Equity | 22.05% | 21.63% | 16.33% | 18.28% | 19.34% | 19.04% | 12.29% | 14.89% | -339 bps | |
| Net Interest Margin | 2.64% | 2.57% | 2.35% | 2.48% | 2.42% | 2.49% | 2.38% | 2.48% | 0 bps | |
| Efficiency Ratio | 56.35% | 57.16% | 64.77% | 62.55% | 60.95% | 60.52% | 67.60% | 61.41% | -114 bps | |
| Non-Interest Burden | -0.06% | -0.08% | 0.26% | 0.19% | -0.03% | 0.00% | 0.64% | 0.30% | +11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.30% | -6.65% | 4.17% | 3.17% | -0.76% | 0.04% | 4.56% | 0.55% | -262 bps | |
| Loan Growth (YoY) | -0.89% | -11.52% | -15.98% | 10.56% | 9.35% | 24.08% | 42.34% | 20.07% | +951 bps | |
| Deposit Growth (YoY) | 7.56% | -7.96% | 4.28% | 3.51% | -1.06% | -3.77% | 3.60% | -1.79% | -531 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.46% | 0.45% | 0.45% | 0.34% | 0.34% | 0.29% | 0.25% | 0.22% | -12 bps | |
| Net Charge-Offs / Loans | -0.09% | -0.07% | -0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.49% | 1.54% | 1.60% | 1.30% | 1.37% | 1.24% | 1.19% | 1.28% | -2 bps | |
| Allowance Coverage of NPLs | 3.2x | 3.4x | 3.6x | 3.8x | 4.0x | 4.3x | 4.8x | 5.8x | +2.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.48% | 12.66% | 13.28% | 13.37% | 13.57% | 13.95% | 12.93% | 13.24% | -13 bps | |
| Total Risk-Based Capital | 25.53% | 29.10% | 27.05% | 26.48% | 28.16% | 26.48% | 24.65% | 24.93% | -155 bps | |
| Equity / Assets | 9.82% | 10.11% | 9.15% | 9.09% | 10.46% | 11.65% | 9.93% | 11.15% | +206 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 40.31% | 41.90% | 35.90% | 44.29% | 44.55% | 54.03% | 49.33% | 54.15% | +986 bps | |
| Liquid Assets / Assets | 19.39% | 11.30% | 23.20% | 18.42% | 14.56% | 5.56% | 14.93% | 9.27% | -915 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 208% | 242% | 273% | n/a | n/a | |