Saint Petersburg, FL · Cert 33879
FDIC
Q2 2026
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 | 17.76% | 19.22% | 19.34% | 20.75% | 19.69% | +193 bps | |
| Return on Equity | 21.30% | 23.02% | 23.34% | 25.24% | 23.98% | +268 bps | |
| Net Interest Margin | 2.88% | 2.80% | 2.92% | 2.38% | 2.51% | -37 bps | |
| Efficiency Ratio | 81.27% | 79.83% | 79.40% | 78.41% | 79.51% | -175 bps | |
| Non-Interest Burden | -19.17% | -20.33% | -22.09% | -23.52% | -24.71% | -554 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 17.24% | 15.48% | 21.33% | 9.63% | 10.69% | -655 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 80.14% | 81.23% | 89.16% | 75.68% | 84.26% | +412 bps | |
| Total Risk-Based Capital | 241% | 240% | 248% | 221% | 216% | -2,513 bps | |
| Equity / Assets | 83.80% | 83.60% | 80.72% | 83.82% | 82.01% | -179 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 80.29% | 79.57% | 83.32% | 79.58% | 79.27% | -103 bps | |
| CRE / Total Capital | n/a | 0.00% | 0.00% | 0.00% | n/a | n/a | |