Hollywood, FL · Cert 33959 · National Bank of Canada
National charter · OCC · 4 branches
Q2 2026
Market Position · Miami-Fort Lauderdale-West Palm Beach, FL · 2026 SOD (annual) · 0.1% share · #60 of 86 inst. · $0.2B of $348.8B
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 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.32% | 0.16% | 0.22% | 0.27% | 0.14% | 0.80% | 0.42% | 0.63% | +36 bps | |
| Return on Equity | 1.66% | 0.83% | 1.14% | 1.45% | 0.77% | 3.31% | 1.41% | 2.16% | +71 bps | |
| Net Interest Margin | 3.73% | 4.12% | 3.93% | 4.12% | 3.79% | 4.15% | 4.00% | 4.24% | +12 bps | |
| Efficiency Ratio | 91.89% | 94.39% | 97.77% | 89.95% | 93.92% | 75.52% | 84.34% | 70.35% | -1,959 bps | |
| Non-Interest Burden | 3.38% | 3.88% | 3.83% | 3.67% | 3.55% | 3.07% | 3.37% | 2.94% | -73 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.59% | 9.28% | 7.62% | 9.22% | 9.59% | 19.32% | 26.11% | 22.38% | +1,316 bps | |
| Loan Growth (YoY) | 11.10% | 9.60% | 7.02% | 4.78% | 10.41% | 10.17% | 11.69% | 17.87% | +1,309 bps | |
| Deposit Growth (YoY) | 12.43% | 12.29% | 14.73% | 12.13% | 9.86% | 2.95% | 11.19% | 11.13% | -100 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.22% | 0.28% | 0.25% | 0.22% | 0.14% | 0.14% | 0.00% | -25 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | 0.00% | 0.00% | 0.00% | -0.01% | 0.00% | 0.17% | +17 bps | |
| Allowance / Loans | 0.71% | 0.71% | 0.73% | 0.75% | 0.72% | 0.75% | 0.76% | 0.82% | +7 bps | |
| Allowance Coverage of NPLs | n/a | 3.2x | 2.6x | 3.0x | 3.3x | 5.4x | 5.5x | 383.4x | +380.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 18.84% | 18.95% | 19.50% | 19.57% | 17.58% | 30.32% | 29.19% | 29.81% | +1,024 bps | |
| Total Risk-Based Capital | 37.56% | 38.22% | 37.33% | 37.12% | 37.56% | 68.53% | 64.71% | 62.18% | +2,506 bps | |
| Equity / Assets | 18.68% | 18.96% | 19.23% | 18.42% | 17.22% | 30.60% | 29.34% | 29.04% | +1,061 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 103.40% | 104.39% | 106.09% | 106.71% | 103.92% | 111.71% | 106.57% | 113.19% | +648 bps | |
| Liquid Assets / Assets | 14.36% | 12.78% | 10.94% | 13.12% | 14.13% | 19.57% | 21.60% | 17.33% | +421 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 21.35% | 11.46% | 9.93% | n/a | n/a | |