Douglas, GA · Cert 33506 · FNC Bcorp Inc.
National charter · OCC · 5 branches
Q2 2026
Market Position · Miami-Fort Lauderdale-West Palm Beach, FL · 2026 SOD (annual) · 0.1% share · #57 of 86 inst. · $0.2B of $348.8B
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.28% | 1.24% | 1.22% | 1.09% | 1.12% | -16 bps | |
| Return on Equity | 15.13% | 14.31% | 13.78% | 12.36% | 12.89% | -224 bps | |
| Net Interest Margin | 3.49% | 3.50% | 3.47% | 3.53% | 3.57% | +9 bps | |
| Efficiency Ratio | 56.23% | 57.95% | 59.73% | 63.74% | 63.43% | +721 bps | |
| Non-Interest Burden | 1.74% | 1.81% | 1.85% | 2.05% | 2.08% | +33 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.74% | 4.96% | 2.91% | 9.68% | 8.81% | +508 bps | |
| Loan Growth (YoY) | 0.19% | -4.82% | -4.61% | 2.37% | 12.64% | +1,245 bps | |
| Deposit Growth (YoY) | 2.81% | 4.24% | 1.54% | 9.61% | 9.04% | +623 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.26% | 0.24% | +24 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.34% | 1.44% | 1.49% | 1.46% | 1.37% | +3 bps | |
| Allowance Coverage of NPLs | 673.6x | 874.8x | n/a | 5.6x | 5.7x | -667.9x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.00% | 9.34% | 9.48% | 8.72% | 8.85% | -15 bps | |
| Total Risk-Based Capital | 20.07% | 21.42% | 22.24% | 20.26% | 18.96% | -112 bps | |
| Equity / Assets | 8.75% | 9.39% | 9.34% | 8.26% | 8.52% | -23 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 55.30% | 55.08% | 52.29% | 51.18% | 57.12% | +183 bps | |
| Liquid Assets / Assets | 25.17% | 25.57% | 28.61% | 27.07% | 19.56% | -561 bps | |
| CRE / Total Capital | n/a | 286% | 280% | 315% | n/a | n/a | |