Vero Beach, FL · Cert 34233 · Marine Bcorp of Florida Inc.
State charter, non-member · FDIC · 5 branches
Q4 2025
Market Position · Sebastian-Vero Beach-West Vero Corridor, FL · 2025 SOD (annual) · 7.6% share · #7 of 17 inst. · $0.5B of $5.9B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.55% | 0.58% | 0.63% | 0.67% | 0.80% | +25 bps | |
| Return on Equity | 8.17% | 8.70% | 9.15% | 9.14% | 10.35% | +217 bps | |
| Net Interest Margin | 2.56% | 2.67% | 2.71% | 2.76% | 2.90% | +34 bps | |
| Efficiency Ratio | 73.22% | 74.30% | 72.64% | 71.26% | 67.09% | -613 bps | |
| Non-Interest Burden | 1.79% | 1.91% | 1.88% | 1.87% | 1.84% | +5 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.29% | -3.56% | -1.57% | -2.64% | 1.76% | +305 bps | |
| Loan Growth (YoY) | -1.05% | 0.58% | 1.37% | 1.51% | 5.98% | +703 bps | |
| Deposit Growth (YoY) | -2.52% | 0.01% | 0.24% | 1.26% | 2.06% | +458 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.02% | +2 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.04% | +4 bps | |
| Allowance / Loans | 1.54% | 1.54% | 1.53% | 1.51% | 1.44% | -10 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 70.5x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.13% | 9.33% | 9.60% | 9.89% | 9.92% | +79 bps | |
| Total Risk-Based Capital | 15.32% | 15.56% | 15.64% | 15.78% | 15.96% | +64 bps | |
| Equity / Assets | 6.56% | 6.80% | 7.08% | 7.64% | 7.88% | +132 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 78.87% | 75.07% | 78.81% | 79.43% | 81.89% | +303 bps | |
| Liquid Assets / Assets | 4.10% | 3.58% | 1.66% | 2.22% | 2.47% | -164 bps | |
| CRE / Total Capital | n/a | n/a | n/a | 307% | 307% | n/a | |