Marine Bank & Trust Company
Vero Beach, FL · Cert 34233 · Peer group: banks under $1B in assets (n=495-541) · Marine Bcorp of Florida Inc.
State charter, non-member · FDIC · 5 branches
Q4 2025
$657.3MAssets
$475.6MLoans
$580.8MDeposits
$51.8MEquity
Executive Summary
- Strongest standing: brokered deposits / deposits outperforms 100% of banks under $1B in assets (rank 289 of 506).
- Widest gap: equity / assets trails 88% of banks under $1B in assets (rank 477 of 541).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.66%
Rank 388 of 541
Net Interest Margin
2.75%
Rank 436 of 541
Efficiency Ratio
71.24%
Rank 314 of 540
Equity / Assets
7.88%
Rank 477 of 541
Non-interest income vs. expense
Unfavorable gap of $12.1M · efficiency ratio beats 42% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.66% | 0.56% | 0.97% | 1.38% | Beats 28% | 388 / 541 | | |
| Return on Equity | 8.32% | 5.68% | 9.28% | 12.43% | Beats 42% | 312 / 541 | | |
| Net Interest Margin | 2.75% | 2.87% | 3.39% | 3.85% | Beats 19% | 436 / 541 | | |
| Efficiency Ratio | 71.24% | 58.91% | 68.65% | 80.35% | Beats 42% | 314 / 540 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.02% | 0.07% | 0.34% | 1.07% | Beats 82% | 88 / 495 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 14.70% | 10.99% | 13.81% | 17.99% | Beats 58% | 229 / 541 | | |
| Total Risk-Based Capital Ratio | 15.96% | 11.43% | 14.30% | 18.80% | Beats 61% | 211 / 541 | | |
| Equity / Assets | 7.88% | 8.87% | 10.43% | 13.26% | Beats 12% | 477 / 541 | | |
| Liquidity & Funding |
| Loans / Deposits | 81.89% | 65.07% | 79.29% | 92.66% | 55th pctl | 222 / 495 | | |
| Loans / Assets | 72.36% | 55.91% | 67.98% | 77.76% | 60th pctl | 199 / 495 | | |
| Brokered Deposits / Deposits | 0.00% | n/a | n/a | 3.32% | Beats 100% | 289 / 506 | n/a | |