Merritt Island, FL · Cert 35212 · Cbos Bankshares Inc.
State charter, non-member · FDIC · 3 branches
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 (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
56
Asset Quality
100
Profitability
39
Liquidity
0
Efficiency
72
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.
Merritt Island, FL · Cert 35212 · Cbos Bankshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Palm Bay-Melbourne-Titusville, FL · 2026 SOD (annual) · 2.1% share · #9 of 17 inst. · $0.2B of $11.5B
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 | 0.82% | 0.85% | 0.79% | 0.88% | 0.89% | 0.91% | 0.77% | 0.85% | -3 bps | |
| Return on Equity | 11.85% | 12.24% | 11.10% | 12.09% | 11.77% | 11.69% | 9.34% | 10.57% | -152 bps | |
| Net Interest Margin | 2.61% | 2.58% | 2.56% | 2.72% | 2.82% | 2.86% | 2.80% | 2.91% | +19 bps | |
| Efficiency Ratio | 60.49% | 60.02% | 60.53% | 57.89% | 58.03% | 58.40% | 60.13% | 60.11% | +223 bps | |
| Non-Interest Burden | 1.51% | 1.49% | 1.49% | 1.50% | 1.57% | 1.60% | 1.62% | 1.68% | +18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.83% | 6.41% | 9.81% | 3.54% | -3.94% | -3.16% | -5.59% | 1.62% | -192 bps | |
| Loan Growth (YoY) | 1.77% | 2.45% | 1.27% | -3.89% | 1.45% | -1.94% | 2.16% | 13.32% | +1,720 bps | |
| Deposit Growth (YoY) | 4.05% | 6.62% | 8.93% | 2.31% | -5.25% | -5.12% | -6.23% | 1.90% | -41 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.06% | -0.04% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.33% | 1.30% | 1.30% | 1.38% | 1.31% | 1.35% | 1.30% | 1.25% | -13 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.21% | 9.08% | 9.32% | 9.65% | 9.94% | 10.04% | 9.26% | 9.49% | -16 bps | |
| Total Risk-Based Capital | 23.41% | 22.82% | 25.75% | 24.15% | 24.97% | 25.40% | 23.73% | 22.72% | -143 bps | |
| Equity / Assets | 7.44% | 6.87% | 7.32% | 7.70% | 8.50% | 8.68% | 7.88% | 7.55% | -15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 29.28% | 30.11% | 30.19% | 29.05% | 31.35% | 31.12% | 32.89% | 32.30% | +325 bps | |
| Liquid Assets / Assets | 36.10% | 36.39% | 37.21% | 37.92% | 35.90% | 37.68% | 36.26% | 38.49% | +57 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 186.24% | 184.68% | 205% | n/a | n/a | |
Merritt Island, FL · Cert 35212 · Peer group: banks under $1B in assets (n=581-629) · Cbos Bankshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets
0.82%
Rank 406 of 629
Net Interest Margin
2.91%
Rank 500 of 629
Efficiency Ratio
60.11%
Rank 179 of 629
Equity / Assets
7.55%
Rank 577 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.82% | 0.60% | 1.01% | 1.45% | Beats 35% | 406 / 629 | ||
| Return on Equity | 10.92% | 5.38% | 9.30% | 13.28% | Beats 60% | 251 / 629 | ||
| Net Interest Margin | 2.91% | 3.03% | 3.54% | 4.05% | Beats 21% | 500 / 629 | ||
| Efficiency Ratio | 60.11% | 58.35% | 67.79% | 79.08% | Beats 72% | 179 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.46% | 1.20% | Beats 100% | 81 / 581 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 21.73% | 11.24% | 13.84% | 18.77% | Beats 80% | 123 / 629 | ||
| Total Risk-Based Capital Ratio | 22.72% | 11.58% | 14.43% | 19.66% | Beats 81% | 122 / 629 | ||
| Equity / Assets | 7.55% | 9.09% | 10.65% | 13.80% | Beats 8% | 577 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 32.30% | 67.24% | 80.90% | 93.48% | 4th pctl | 569 / 594 | ||
| Loans / Assets | 29.43% | 53.31% | 67.71% | 78.15% | 11th pctl | 561 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||