Brannen Bank

Inverness, FL · Cert 5676 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Brannen Banks of Florida Inc.

State charter, non-member · FDIC · 12 branches

Q2 2026

$1.0BAssets

$536.6MLoans

$991.9MDeposits

$37.0MEquity

Executive Summary

Strongest standing: net charge-offs / loans outperforms 100% of banks $1B-$10B in assets operating in a single state (rank 15 of 258).
Widest gap: equity / assets trails 100% of banks $1B-$10B in assets operating in a single state (rank 258 of 258).
Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.56%

Rank 64 of 258

Net Interest Margin

3.42%

Rank 141 of 258

Efficiency Ratio

47.26%

Rank 38 of 257

Equity / Assets

3.59%

Rank 258 of 258

Unfavorable gap of $15.6M · efficiency ratio beats 86% of banks $1B-$10B in assets operating in a single state

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank	8-Qtr Trend
Earnings
Return on Assets	1.56%	0.93%	1.23%	1.54%	Beats 75%	64 / 258	n/a
Return on Equity	43.43%	9.26%	11.84%	14.74%	Beats 99%	3 / 258	n/a
Net Interest Margin	3.42%	3.16%	3.49%	3.88%	Beats 45%	141 / 258	n/a
Efficiency Ratio	47.26%	51.71%	60.30%	69.65%	Beats 86%	38 / 257	n/a
Asset Quality
Nonperforming Loans / Loans	0.45%	0.19%	0.46%	0.90%	Beats 50%	129 / 258	n/a
Net Charge-Offs / Loans	0.00%	0.01%	0.02%	0.07%	Beats 100%	15 / 258	n/a
Capital
Tier 1 Capital Ratio	14.94%	11.41%	12.98%	15.12%	Beats 73%	69 / 258	n/a
Total Risk-Based Capital Ratio	15.95%	12.10%	13.91%	16.08%	Beats 74%	67 / 258	n/a
Equity / Assets	3.59%	9.09%	10.24%	11.72%	Beats 0%	258 / 258	n/a
Liquidity & Funding
Loans / Deposits	54.10%	73.24%	86.34%	95.95%	5th pctl	245 / 258	n/a
Loans / Assets	52.05%	63.01%	72.27%	78.40%	8th pctl	237 / 258	n/a
Brokered Deposits / Deposits	n/a	Not reported for this institution