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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.16% | 0.74% | 0.90% | 0.95% | 1.03% | 1.14% | 1.14% | 1.27% | +32 bps | |
| Return on Equity | 13.49% | 7.43% | 9.09% | 9.25% | 10.03% | 10.84% | 10.60% | 11.38% | +214 bps | |
| Net Interest Margin | 2.43% | 2.29% | 2.37% | 2.39% | 2.32% | 2.52% | 2.54% | 2.69% | +29 bps | |
| Efficiency Ratio | 51.75% | 56.42% | 54.30% | 53.24% | 52.38% | 52.41% | 53.01% | 49.93% | -332 bps | |
| Non-Interest Burden | 0.97% | 1.03% | 1.01% | 1.00% | 0.96% | 1.06% | 1.09% | 1.04% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.66% | 2.30% | 3.84% | 5.25% | 6.99% | 6.66% | 8.42% | 4.25% | -100 bps | |
| Loan Growth (YoY) | 1.17% | 5.28% | 6.06% | 2.72% | 4.95% | 2.03% | 5.43% | 1.08% | -165 bps | |
| Deposit Growth (YoY) | -3.29% | 0.26% | 3.10% | 3.33% | 6.71% | 4.89% | 5.66% | 3.08% | -25 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.11% | 0.13% | 0.16% | 0.18% | 0.18% | 0.13% | 0.13% | 0.08% | -10 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | +1 bps | |
| Allowance / Loans | 1.66% | 1.62% | 1.67% | 1.69% | 1.78% | 1.75% | 1.73% | 1.83% | +14 bps | |
| Allowance Coverage of NPLs | 14.7x | 12.2x | 10.6x | 9.2x | 10.1x | 14.0x | 12.8x | 22.2x | +13.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.16% | 12.68% | 12.78% | 12.93% | 12.50% | 12.85% | 12.83% | 13.47% | +53 bps | |
| Total Risk-Based Capital | 19.35% | 19.35% | 19.71% | 20.07% | 20.27% | 20.52% | 20.82% | 22.15% | +208 bps | |
| Equity / Assets | 10.11% | 9.75% | 10.02% | 11.17% | 10.20% | 10.76% | 11.33% | 12.33% | +116 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 39.40% | 39.08% | 39.14% | 37.98% | 38.75% | 38.02% | 39.05% | 37.24% | -74 bps | |
| Liquid Assets / Assets | 0.19% | 0.17% | 0.21% | 0.19% | 0.16% | 0.17% | 0.20% | 0.20% | +1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 95.40% | n/a | n/a |