Tampa, FL · Cert 34535
National charter · OCC · 1 branch
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
89
Asset Quality
15
Profitability
34
Liquidity
0
Efficiency
7
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.
Tampa, FL · Cert 34535
National charter · OCC · 1 branch
Q2 2026
Market Position · Tampa-St. Petersburg-Clearwater, FL · 2026 SOD (annual) · 0.2% share · #33 of 60 inst. · $0.3B of $131.5B
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 | -0.02% | 0.11% | -2.36% | -1.16% | -0.75% | -0.84% | -1.09% | -1.14% | +2 bps | |
| Return on Equity | -0.12% | 0.61% | -13.48% | -6.30% | -3.94% | -4.39% | -5.61% | -5.88% | +42 bps | |
| Net Interest Margin | 6.15% | 5.82% | 6.01% | 5.69% | 5.53% | 5.50% | 5.80% | 5.64% | -4 bps | |
| Efficiency Ratio | 84.61% | 84.79% | 99.73% | 93.27% | 90.35% | 91.28% | 91.13% | 89.87% | -340 bps | |
| Non-Interest Burden | 3.54% | 3.31% | 6.15% | 4.65% | 4.01% | 4.18% | 4.54% | 4.08% | -56 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.65% | 10.36% | 10.15% | 7.09% | 10.55% | 4.18% | 9.14% | 0.22% | -688 bps | |
| Loan Growth (YoY) | 5.11% | 7.17% | 4.86% | 1.92% | 1.65% | -4.19% | -3.03% | -3.39% | -531 bps | |
| Deposit Growth (YoY) | 4.93% | 12.57% | 12.77% | 3.35% | 8.30% | 2.11% | 6.78% | -2.08% | -542 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.93% | 1.00% | 0.95% | 0.95% | 0.96% | 1.04% | 1.13% | 0.93% | -2 bps | |
| Net Charge-Offs / Loans | 2.94% | 2.40% | 3.65% | 3.15% | 3.18% | 3.11% | 3.56% | 3.81% | +66 bps | |
| Allowance / Loans | 3.57% | 3.40% | 3.54% | 3.54% | 3.54% | 3.55% | 3.56% | 3.56% | +3 bps | |
| Allowance Coverage of NPLs | 3.8x | 3.4x | 3.7x | 3.7x | 3.7x | 3.4x | 3.1x | 3.8x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 17.83% | 17.53% | 16.54% | 20.25% | 19.35% | 18.88% | 18.37% | 18.27% | -198 bps | |
| Total Risk-Based Capital | 20.34% | 19.07% | 19.04% | 22.87% | 23.21% | 22.19% | 22.19% | 22.16% | -70 bps | |
| Equity / Assets | 18.94% | 17.31% | 17.71% | 20.31% | 20.37% | 19.39% | 19.28% | 19.41% | -90 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 115.10% | 111.23% | 113.87% | 109.73% | 108.03% | 104.38% | 103.41% | 108.25% | -148 bps | |
| Liquid Assets / Assets | 5.91% | 8.50% | 6.92% | 12.55% | 10.05% | 11.57% | 12.72% | 11.17% | -139 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 0.00% | 0.00% | 0.00% | n/a | n/a | |
Tampa, FL · Cert 34535 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
National charter · OCC · 1 branch
Q2 2026
Return on Assets
-1.16%
Rank 737 of 746
Net Interest Margin
5.64%
Rank 10 of 746
Efficiency Ratio
91.66%
Rank 694 of 746
Equity / Assets
19.41%
Rank 38 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -1.16% | 0.72% | 1.06% | 1.45% | Beats 1% | 737 / 746 | ||
| Return on Equity | -5.98% | 6.74% | 10.51% | 13.63% | Beats 1% | 735 / 746 | ||
| Net Interest Margin | 5.64% | 3.17% | 3.68% | 4.16% | Beats 99% | 10 / 746 | ||
| Efficiency Ratio | 91.66% | 55.74% | 64.58% | 75.47% | Beats 7% | 694 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.93% | 0.09% | 0.42% | 1.07% | Beats 29% | 526 / 743 | ||
| Net Charge-Offs / Loans | 2.31% | 0.00% | 0.01% | 0.05% | Beats 0% | 741 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 20.89% | 11.55% | 13.75% | 17.60% | Beats 85% | 115 / 746 | ||
| Total Risk-Based Capital Ratio | 22.16% | 11.71% | 14.33% | 18.43% | Beats 86% | 108 / 746 | ||
| Equity / Assets | 19.41% | 8.90% | 10.51% | 13.06% | Beats 95% | 38 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 108.25% | 61.31% | 78.27% | 90.78% | 96th pctl | 30 / 746 | ||
| Loans / Assets | 79.16% | 53.60% | 66.97% | 76.08% | 83rd pctl | 125 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||