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First National Bank of Mount Dora, The

Mount Dora, FL · Cert 3579 · Fnbmd Bancshares Inc.

National charter · OCC · 3 branches

Q2 2026

$358.0MAssets
$139.6MLoans
$317.6MDeposits
$37.1MEquity
Loan mix
90%RE $122.7M4%C&I $6.0M5%Consumer $7.0MQ2 2025Q2 2026
Deposit mix
56%Interest-bearing $178.3M44%Noninterest $139.2MQ2 2025Q2 2026

NIM

3.66%Q2 ’243.71%Q2 ’254.00%Q2 ’26+8%+19%

Non-interest income vs. expense

3.99%Q2 ’244.29%Q2 ’254.96%Q2 ’26+49%+18%

Market Position · Orlando-Kissimmee-Sanford, FL · 2026 SOD (annual) · 0.5% share · #22 of 49 inst. · $0.3B of $68.8B

Executive Summary

  • Earnings: ROA of 0.67%, up 2 bps year over year; NIM at 3.08%.
  • Asset quality: problem loans at 0.41% of loans (+9 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.31%, up 66 bps from a year ago.
  • Funding: loans stand at 43.95% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.67%+2 bps YoY

Net Interest Margin (YTD, annualized)

3.08%+50 bps YoY

Efficiency Ratio (YTD, annualized)

84.73%-67 bps YoY

Tier 1 Leverage Ratio

12.31%+66 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.64%0.58%0.55%0.86%0.67%+2 bps
Return on Equity7.32%6.48%5.94%8.47%6.51%-81 bps
Net Interest Margin2.59%2.60%2.67%2.97%3.08%+50 bps
Efficiency Ratio85.39%86.49%86.90%80.51%84.73%-67 bps
Non-Interest Burden1.85%1.92%2.00%1.86%2.19%+34 bps
Growth
Asset Growth (YoY)2.71%4.39%2.97%-4.02%-4.06%-677 bps
Loan Growth (YoY)15.99%14.43%11.73%5.20%1.40%-1,459 bps
Deposit Growth (YoY)2.32%4.72%1.55%-5.48%-5.72%-804 bps
Asset Quality
Nonperforming Loans / Loans0.32%0.12%0.55%0.57%0.41%+9 bps
Net Charge-Offs / Loans-0.01%-0.06%-0.04%0.00%0.00%+1 bps
Allowance / Loans1.51%1.58%1.59%1.56%1.53%+2 bps
Allowance Coverage of NPLs4.7x13.8x2.9x2.7x3.8x-1.0x
Capital
Tier 1 Leverage Ratio11.65%11.64%11.72%12.43%12.31%+66 bps
Total Risk-Based Capital16.40%11.64%11.72%18.78%12.31%-409 bps
Equity / Assets8.78%9.49%10.18%10.16%10.37%+159 bps
Liquidity & Funding
Loans / Deposits40.86%40.28%41.71%43.37%43.95%+309 bps
Liquid Assets / Assets4.18%11.97%8.46%5.89%5.48%+130 bps
CRE / Total Capitaln/a127.21%125.09%122.76%n/an/a