Sebring, FL · Cert 35052
FDIC · 4 branches
Q2 2025
Market Position · Sebring, FL · 2025 SOD (annual) · 29.7% share · #1 of 8 inst. · $0.7B of $2.3B
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 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.74% | 1.73% | 1.55% | 1.66% | 1.63% | 1.64% | 1.48% | 1.51% | -15 bps | |
| Return on Equity | 26.09% | 25.43% | 20.46% | 21.17% | 20.15% | 19.82% | 16.47% | 16.67% | -450 bps | |
| Net Interest Margin | 3.48% | 3.48% | 3.29% | 3.33% | 3.32% | 3.25% | 3.20% | 3.09% | -25 bps | |
| Efficiency Ratio | 36.48% | 36.64% | 41.25% | 38.50% | 39.01% | 38.27% | 42.02% | 40.44% | +194 bps | |
| Non-Interest Burden | 1.08% | 1.09% | 1.20% | 1.12% | 1.13% | 1.08% | 1.18% | 1.08% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.70% | -3.42% | -4.23% | -5.15% | 1.31% | 2.97% | 6.62% | 9.99% | +1,514 bps | |
| Loan Growth (YoY) | 3.86% | -0.49% | 4.19% | 2.04% | 1.42% | 4.39% | 1.44% | 0.62% | -142 bps | |
| Deposit Growth (YoY) | -5.76% | -7.02% | -7.20% | -8.53% | -2.02% | 0.00% | 4.28% | 9.18% | +1,771 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.91% | 0.90% | 0.87% | 0.22% | 0.33% | 0.20% | 0.20% | 0.12% | -10 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.04% | -0.01% | -0.03% | -0.02% | -0.01% | -0.20% | -0.13% | -11 bps | |
| Allowance / Loans | 1.54% | 1.57% | 1.55% | 1.58% | 1.59% | 1.55% | 1.65% | 1.70% | +12 bps | |
| Allowance Coverage of NPLs | 1.7x | 1.8x | 1.8x | 7.1x | 4.8x | 7.8x | 8.4x | 14.4x | +7.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.50% | 8.34% | 8.76% | 9.13% | 9.52% | 9.51% | 9.74% | 9.78% | +65 bps | |
| Total Risk-Based Capital | 26.23% | 24.88% | 25.45% | 27.50% | 28.92% | 28.71% | 30.01% | 31.20% | +371 bps | |
| Equity / Assets | 7.24% | 7.39% | 7.78% | 8.30% | 8.94% | 8.89% | 9.06% | 9.15% | +85 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 23.59% | 24.07% | 24.53% | 24.75% | 24.42% | 25.13% | 23.86% | 22.81% | -194 bps | |
| Liquid Assets / Assets | 27.05% | 26.60% | 23.94% | 24.30% | 24.44% | 24.17% | 27.90% | 31.05% | +675 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |