Mount Dora, FL · Cert 3579 · Fnbmd Bancshares Inc.
National charter · OCC · 3 branches
Q2 2026
Market Position · Orlando-Kissimmee-Sanford, FL · 2026 SOD (annual) · 0.5% share · #22 of 49 inst. · $0.3B of $68.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.66% | 0.46% | 0.44% | 0.86% | 0.47% | -19 bps | |
| Return on Equity | 7.51% | 4.99% | 4.45% | 8.47% | 4.60% | -290 bps | |
| Net Interest Margin | 2.72% | 2.62% | 2.81% | 2.97% | 3.22% | +51 bps | |
| Efficiency Ratio | 84.73% | 88.65% | 88.10% | 80.51% | 88.68% | +394 bps | |
| Non-Interest Burden | 1.92% | 2.04% | 2.18% | 1.86% | 2.54% | +61 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 / Loans | 0.32% | 0.12% | 0.55% | 0.57% | 0.41% | +9 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.15% | 0.00% | 0.00% | 0.00% | +1 bps | |
| Allowance / Loans | 1.51% | 1.58% | 1.59% | 1.56% | 1.53% | +2 bps | |
| Allowance Coverage of NPLs | 4.7x | 13.8x | 2.9x | 2.7x | 3.8x | -1.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.65% | 11.64% | 11.72% | 12.43% | 12.31% | +66 bps | |
| Total Risk-Based Capital | 16.40% | 11.64% | 11.72% | 18.78% | 12.31% | -409 bps | |
| Equity / Assets | 8.78% | 9.49% | 10.18% | 10.16% | 10.37% | +159 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 40.86% | 40.28% | 41.71% | 43.37% | 43.95% | +309 bps | |
| Liquid Assets / Assets | 4.18% | 11.97% | 8.46% | 5.89% | 5.48% | +130 bps | |
| CRE / Total Capital | n/a | 127.21% | 125.09% | 122.76% | n/a | n/a | |