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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.62% | 0.59% | 0.56% | 0.52% | 0.48% | -14 bps | |
| Return on Equity | 7.57% | 7.06% | 6.76% | 6.38% | 5.77% | -180 bps | |
| Net Interest Margin | 3.16% | 3.21% | 3.13% | 2.88% | 2.82% | -34 bps | |
| Efficiency Ratio | 77.58% | 78.59% | 79.39% | 83.97% | 82.89% | +530 bps | |
| Non-Interest Burden | 2.36% | 2.44% | 2.41% | 2.39% | 2.31% | -5 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.23% | -1.57% | 0.10% | 8.05% | 11.15% | +1,538 bps | |
| Loan Growth (YoY) | -4.61% | -3.81% | -2.59% | -4.77% | 1.65% | +627 bps | |
| Deposit Growth (YoY) | -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 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.02% | 0.01% | 0.01% | 0.00% | 0 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.06% | 9.10% | 9.04% | 9.02% | 9.03% | -3 bps | |
| Total Risk-Based Capital | 28.21% | 27.79% | 27.01% | 29.47% | 30.74% | +253 bps | |
| Equity / Assets | 8.65% | 8.56% | 8.29% | 7.98% | 8.72% | +7 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 41.65% | 41.90% | 40.69% | 35.28% | 37.51% | -414 bps | |
| Liquid Assets / Assets | 49.83% | 48.36% | 48.37% | 51.88% | 46.42% | -340 bps | |
| CRE / Total Capital | n/a | 114.00% | 120.50% | 110.20% | n/a | n/a | |