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 (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 | 0.89% | 0.72% | 0.62% | 0.64% | 0.58% | 0.55% | 0.86% | 0.67% | +2 bps | |
| Return on Equity | 10.49% | 8.36% | 7.09% | 7.32% | 6.48% | 5.94% | 8.47% | 6.51% | -81 bps | |
| Net Interest Margin | 2.42% | 2.43% | 2.56% | 2.59% | 2.60% | 2.67% | 2.97% | 3.08% | +50 bps | |
| Efficiency Ratio | 80.09% | 83.08% | 86.09% | 85.39% | 86.49% | 86.90% | 80.51% | 84.73% | -67 bps | |
| Non-Interest Burden | 1.41% | 1.59% | 1.86% | 1.85% | 1.92% | 2.00% | 1.86% | 2.19% | +34 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.47% | -5.85% | -6.99% | 2.71% | 4.39% | 2.97% | -4.02% | -4.06% | -677 bps | |
| Loan Growth (YoY) | 7.18% | 4.56% | 7.17% | 15.99% | 14.43% | 11.73% | 5.20% | 1.40% | -1,459 bps | |
| Deposit Growth (YoY) | -6.40% | -4.56% | -8.00% | 2.32% | 4.72% | 1.55% | -5.48% | -5.72% | -804 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.22% | 0.21% | 0.34% | 0.32% | 0.12% | 0.55% | 0.57% | 0.41% | +9 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | -0.01% | -0.01% | -0.06% | -0.04% | 0.00% | 0.00% | +1 bps | |
| Allowance / Loans | 1.75% | 1.72% | 1.59% | 1.51% | 1.58% | 1.59% | 1.56% | 1.53% | +2 bps | |
| Allowance Coverage of NPLs | 7.9x | 8.2x | 4.6x | 4.7x | 13.8x | 2.9x | 2.7x | 3.8x | -1.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.82% | 11.63% | 12.12% | 11.65% | 11.64% | 11.72% | 12.43% | 12.31% | +66 bps | |
| Total Risk-Based Capital | 17.54% | 17.78% | 18.23% | 16.40% | 11.64% | 11.72% | 18.78% | 12.31% | -409 bps | |
| Equity / Assets | 9.68% | 8.84% | 8.75% | 8.78% | 9.49% | 10.18% | 10.16% | 10.37% | +159 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 36.86% | 37.91% | 38.97% | 40.86% | 40.28% | 41.71% | 43.37% | 43.95% | +309 bps | |
| Liquid Assets / Assets | 2.57% | 1.21% | 4.55% | 4.18% | 11.97% | 8.46% | 5.89% | 5.48% | +130 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 127.21% | 125.09% | 122.76% | n/a | n/a | |