Edison National Bank
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
$453.7MAssets
$149.7MLoans
$399.0MDeposits
$39.6MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 105 of 743).
- Widest gap: net interest margin trails 88% of banks under $1B in assets operating in a single state (rank 657 of 746).
- Overall: at or above the peer median on 4 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $10.8M · efficiency ratio beats 14% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |