The Villages, FL · Cert 33440
FDIC · 20 branches
Q3 2025
Market Position · Wildwood-The Villages, FL · 2025 SOD (annual) · 51.1% share · #1 of 9 inst. · $2.4B of $4.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.04% | 1.26% | 1.14% | 1.14% | 1.52% | +48 bps | |
| Return on Equity | 9.85% | 11.81% | 10.84% | 10.35% | 12.86% | +301 bps | |
| Net Interest Margin | 2.47% | 2.53% | 2.52% | 2.62% | 2.88% | +41 bps | |
| Efficiency Ratio | 51.16% | 50.03% | 52.41% | 53.58% | 44.45% | -670 bps | |
| Non-Interest Burden | 1.01% | 1.00% | 1.06% | 1.14% | 0.90% | -11 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.25% | 6.99% | 6.66% | 8.42% | 4.25% | -100 bps | |
| Loan Growth (YoY) | 2.72% | 4.95% | 2.03% | 5.43% | 1.08% | -165 bps | |
| Deposit Growth (YoY) | 3.33% | 6.71% | 4.89% | 5.66% | 3.08% | -25 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.18% | 0.18% | 0.13% | 0.13% | 0.08% | -10 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.01% | 0.01% | +1 bps | |
| Allowance / Loans | 1.69% | 1.78% | 1.75% | 1.73% | 1.83% | +14 bps | |
| Allowance Coverage of NPLs | 9.2x | 10.1x | 14.0x | 12.8x | 22.2x | +13.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.93% | 12.50% | 12.85% | 12.83% | 13.47% | +53 bps | |
| Total Risk-Based Capital | 20.07% | 20.27% | 20.52% | 20.82% | 22.15% | +208 bps | |
| Equity / Assets | 11.17% | 10.20% | 10.76% | 11.33% | 12.33% | +116 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 37.98% | 38.75% | 38.02% | 39.05% | 37.24% | -74 bps | |
| Liquid Assets / Assets | 0.19% | 0.16% | 0.17% | 0.20% | 0.20% | +1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 95.40% | n/a | n/a |