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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.88% | 0.89% | 0.91% | 0.77% | 0.85% | -3 bps | |
| Return on Equity | 12.09% | 11.77% | 11.69% | 9.34% | 10.57% | -152 bps | |
| Net Interest Margin | 2.72% | 2.82% | 2.86% | 2.80% | 2.91% | +19 bps | |
| Efficiency Ratio | 57.89% | 58.03% | 58.40% | 60.13% | 60.11% | +223 bps | |
| Non-Interest Burden | 1.50% | 1.57% | 1.60% | 1.62% | 1.68% | +18 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.54% | -3.94% | -3.16% | -5.59% | 1.62% | -192 bps | |
| Loan Growth (YoY) | -3.89% | 1.45% | -1.94% | 2.16% | 13.32% | +1,720 bps | |
| Deposit Growth (YoY) | 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 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.65% | 9.94% | 10.04% | 9.26% | 9.49% | -16 bps | |
| Total Risk-Based Capital | 24.15% | 24.97% | 25.40% | 23.73% | 22.72% | -143 bps | |
| Equity / Assets | 7.70% | 8.50% | 8.68% | 7.88% | 7.55% | -15 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 29.05% | 31.35% | 31.12% | 32.89% | 32.30% | +325 bps | |
| Liquid Assets / Assets | 37.92% | 35.90% | 37.68% | 36.26% | 38.49% | +57 bps | |
| CRE / Total Capital | n/a | 186.24% | 184.68% | 205% | n/a | n/a | |