Fort Myers, FL · Cert 34489 · Edison Bancshares Inc.
National charter · OCC · 4 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
71
Asset Quality
86
Profitability
16
Liquidity
0
Efficiency
14
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Fort Myers, FL · Cert 34489 · Edison Bancshares Inc.
National charter · OCC · 4 branches
Q2 2026
Market Position · Cape Coral-Fort Myers, FL · 2026 SOD (annual) · 1.9% share · #13 of 34 inst. · $0.4B of $21.1B
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.11% | 0.98% | 0.47% | 0.62% | 0.59% | 0.56% | 0.52% | 0.48% | -14 bps | |
| Return on Equity | 14.81% | 12.90% | 5.82% | 7.57% | 7.06% | 6.76% | 6.38% | 5.77% | -180 bps | |
| Net Interest Margin | 3.67% | 3.61% | 3.14% | 3.16% | 3.21% | 3.13% | 2.88% | 2.82% | -34 bps | |
| Efficiency Ratio | 63.59% | 68.65% | 81.78% | 77.58% | 78.59% | 79.39% | 83.97% | 82.89% | +530 bps | |
| Non-Interest Burden | 2.22% | 2.38% | 2.54% | 2.36% | 2.44% | 2.41% | 2.39% | 2.31% | -5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.42% | -4.16% | -3.13% | -4.23% | -1.57% | 0.10% | 8.05% | 11.15% | +1,538 bps | |
| Loan Growth (YoY) | 1.30% | 3.91% | 3.59% | -4.61% | -3.81% | -2.59% | -4.77% | 1.65% | +627 bps | |
| Deposit Growth (YoY) | -9.10% | -4.31% | -3.69% | -5.38% | -1.46% | 0.14% | 9.32% | 12.86% | +1,825 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.02% | 0.01% | 0.01% | 0.00% | 0 bps | |
| Allowance / Loans | 1.60% | 1.44% | 1.46% | 1.46% | 1.49% | 1.46% | 1.38% | 1.38% | -8 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.03% | 9.03% | 9.03% | 9.06% | 9.10% | 9.04% | 9.02% | 9.03% | -3 bps | |
| Total Risk-Based Capital | 26.45% | 25.92% | 27.58% | 28.21% | 27.79% | 27.01% | 29.47% | 30.74% | +253 bps | |
| Equity / Assets | 8.34% | 7.99% | 8.05% | 8.65% | 8.56% | 8.29% | 7.98% | 8.72% | +7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 42.93% | 41.83% | 40.50% | 41.65% | 41.90% | 40.69% | 35.28% | 37.51% | -414 bps | |
| Liquid Assets / Assets | 51.08% | 50.85% | 51.46% | 49.83% | 48.36% | 48.37% | 51.88% | 46.42% | -340 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 114.00% | 120.50% | 110.20% | n/a | n/a | |
Fort Myers, FL · Cert 34489 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Edison Bancshares Inc.
National charter · OCC · 4 branches
Q2 2026
Return on Assets
0.48%
Rank 636 of 746
Net Interest Margin
2.82%
Rank 657 of 746
Efficiency Ratio
82.89%
Rank 646 of 746
Equity / Assets
8.72%
Rank 579 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.48% | 0.72% | 1.06% | 1.45% | Beats 15% | 636 / 746 | ||
| Return on Equity | 5.50% | 6.74% | 10.51% | 13.63% | Beats 20% | 600 / 746 | ||
| Net Interest Margin | 2.82% | 3.17% | 3.68% | 4.16% | Beats 12% | 657 / 746 | ||
| Efficiency Ratio | 82.89% | 55.74% | 64.58% | 75.47% | Beats 14% | 646 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.07% | Beats 100% | 105 / 743 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 71% | 223 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 29.49% | 11.55% | 13.75% | 17.60% | Beats 95% | 40 / 746 | ||
| Total Risk-Based Capital Ratio | 30.74% | 11.71% | 14.33% | 18.43% | Beats 95% | 40 / 746 | ||
| Equity / Assets | 8.72% | 8.90% | 10.51% | 13.06% | Beats 22% | 579 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 37.51% | 61.31% | 78.27% | 90.78% | 4th pctl | 718 / 746 | ||
| Loans / Assets | 32.99% | 53.60% | 66.97% | 76.08% | 4th pctl | 713 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||