First National Bank of Mount Dora, The
Mount Dora, FL · Cert 3579 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Fnbmd Bancshares Inc.
National charter · OCC · 3 branches
Q2 2026
$358.0MAssets
$139.6MLoans
$317.6MDeposits
$37.1MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
- Widest gap: efficiency ratio trails 89% of banks under $1B in assets operating in a single state (rank 662 of 746).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.67%
Rank 579 of 746
Net Interest Margin
3.08%
Rank 589 of 746
Efficiency Ratio
84.73%
Rank 662 of 746
Equity / Assets
10.37%
Rank 386 of 746
Non-interest income vs. expense
Unfavorable gap of $7.8M · efficiency ratio beats 11% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.67% | 0.72% | 1.06% | 1.45% | Beats 22% | 579 / 746 | | |
| Return on Equity | 6.42% | 6.74% | 10.51% | 13.63% | Beats 23% | 571 / 746 | | |
| Net Interest Margin | 3.08% | 3.17% | 3.68% | 4.16% | Beats 21% | 589 / 746 | | |
| Efficiency Ratio | 84.73% | 55.74% | 64.58% | 75.47% | Beats 11% | 662 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.41% | 0.09% | 0.42% | 1.07% | Beats 52% | 361 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 12.31% | 11.55% | 13.75% | 17.60% | Beats 35% | 486 / 746 | | |
| Total Risk-Based Capital Ratio | 12.31% | 11.71% | 14.33% | 18.43% | Beats 31% | 514 / 746 | | |
| Equity / Assets | 10.37% | 8.90% | 10.51% | 13.06% | Beats 48% | 386 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 43.95% | 61.31% | 78.27% | 90.78% | 8th pctl | 688 / 746 | | |
| Loans / Assets | 38.98% | 53.60% | 66.97% | 76.08% | 8th pctl | 687 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |