Sanibel, FL · Cert 57425
State charter, non-member · FDIC · 8 branches
Q2 2026
Market Position · Cape Coral-Fort Myers, FL · 2026 SOD (annual) · 3.8% share · #7 of 34 inst. · $0.8B of $21.1B
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 | 2.07% | 1.97% | 1.85% | 1.85% | 1.87% | 1.76% | 1.73% | 1.88% | +3 bps | |
| Return on Equity | 25.03% | 23.59% | 21.61% | 21.67% | 21.92% | 20.38% | 19.25% | 20.24% | -144 bps | |
| Net Interest Margin | 5.00% | 4.83% | 4.70% | 4.66% | 4.70% | 4.69% | 5.00% | 5.18% | +52 bps | |
| Efficiency Ratio | 45.51% | 46.60% | 47.61% | 47.31% | 46.90% | 47.01% | 52.43% | 49.09% | +178 bps | |
| Non-Interest Burden | 2.16% | 2.14% | 2.11% | 2.07% | 2.07% | 2.06% | 2.50% | 2.40% | +33 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.36% | 7.89% | 11.62% | 10.96% | 14.29% | 6.15% | 5.03% | -3.74% | -1,470 bps | |
| Loan Growth (YoY) | 6.59% | 10.69% | 10.31% | 12.42% | 13.39% | 4.24% | 2.90% | -3.92% | -1,633 bps | |
| Deposit Growth (YoY) | -2.04% | -2.71% | 5.30% | 3.75% | 9.02% | 3.61% | 8.35% | -3.51% | -726 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.92% | 0.92% | 0.97% | 1.89% | 1.42% | 1.14% | 0.77% | 0.67% | -122 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.26% | 0.14% | 0.12% | 0.33% | 0.01% | 0.17% | +3 bps | |
| Allowance / Loans | 1.00% | 1.01% | 0.97% | 0.99% | 0.97% | 0.99% | 1.00% | 1.00% | +1 bps | |
| Allowance Coverage of NPLs | 1.1x | 1.1x | 1.0x | 0.5x | 0.7x | 0.9x | 1.3x | 1.5x | +1.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.91% | 8.83% | 8.73% | 8.74% | 8.95% | 9.01% | 9.19% | 9.92% | +119 bps | |
| Total Risk-Based Capital | 12.61% | 12.27% | 12.56% | 12.32% | 12.30% | 12.63% | 13.08% | 13.89% | +157 bps | |
| Equity / Assets | 8.66% | 8.54% | 8.54% | 8.48% | 8.54% | 8.99% | 9.01% | 9.90% | +142 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 100.34% | 105.35% | 100.15% | 104.09% | 104.36% | 105.99% | 95.11% | 103.65% | -44 bps | |
| Liquid Assets / Assets | 10.35% | 8.87% | 10.13% | 9.59% | 9.74% | 9.07% | 11.62% | 9.25% | -34 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 406% | 383% | 370% | n/a | n/a | |