Inverness, FL · Cert 5676 · Brannen Banks of Florida Inc.
State charter, non-member · FDIC · 12 branches
Q2 2026
Market Position · Homosassa Springs, FL · 2026 SOD (annual) · 24.3% share · #2 of 9 inst. · $0.7B of $2.9B
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 | 1.62% | 1.59% | 1.55% | 1.57% | 1.58% | 1.60% | 1.51% | 1.54% | -3 bps | |
| Return on Equity | 60.85% | 61.76% | 58.93% | 56.88% | 52.63% | 52.90% | 44.99% | 44.94% | -1,194 bps | |
| Net Interest Margin | 3.49% | 3.28% | 3.44% | 3.45% | 3.48% | 3.32% | 3.38% | 3.42% | -3 bps | |
| Efficiency Ratio | 45.81% | 46.45% | 47.35% | 46.85% | 47.14% | 46.75% | 47.59% | 47.26% | +41 bps | |
| Non-Interest Burden | 1.43% | 1.38% | 1.48% | 1.48% | 1.50% | 1.42% | 1.47% | 1.47% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.07% | 3.60% | 6.51% | 8.96% | 7.40% | 11.93% | 6.38% | 4.03% | -492 bps | |
| Loan Growth (YoY) | 15.54% | 15.79% | 15.02% | 14.32% | 10.31% | 10.61% | 7.51% | 7.42% | -691 bps | |
| Deposit Growth (YoY) | 3.16% | 3.34% | 5.76% | 8.61% | 7.29% | 11.03% | 5.66% | 3.37% | -524 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.88% | 0.39% | 0.34% | 0.41% | 0.42% | 0.53% | 0.52% | 0.45% | +4 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.04% | 0.02% | 0.01% | 0.01% | 0.00% | 0.00% | -2 bps | |
| Allowance / Loans | 0.78% | 0.79% | 0.77% | 0.77% | 0.75% | 0.75% | 0.74% | 0.73% | -3 bps | |
| Allowance Coverage of NPLs | 0.9x | 2.0x | 2.2x | 1.9x | 1.8x | 1.4x | 1.4x | 1.6x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 6.21% | 5.37% | 5.89% | 5.96% | 6.08% | 5.43% | 5.96% | 6.07% | +11 bps | |
| Total Risk-Based Capital | 16.44% | 15.23% | 15.94% | 15.96% | 16.11% | 15.06% | 15.83% | 15.95% | -1 bps | |
| Equity / Assets | 3.62% | 2.29% | 2.99% | 2.99% | 3.71% | 3.09% | 3.64% | 3.59% | +59 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 52.62% | 50.26% | 52.43% | 52.06% | 54.10% | 50.07% | 53.34% | 54.10% | +204 bps | |
| Liquid Assets / Assets | 20.69% | 14.45% | 22.63% | 24.60% | 21.28% | 19.21% | 21.87% | 22.94% | -166 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 197.79% | 222% | 213% | n/a | n/a | |