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 | |