Members Trust Company
Tampa, FL · Cert 57470 · Peer group: banks under $1B in assets (n=594-629)
State savings bank · OCC · 4 branches
Q2 2026
$34.3MAssets
$0KLoans
$500KDeposits
$28.8MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 96% of banks under $1B in assets (rank 26 of 629).
- Widest gap: return on assets trails 95% of banks under $1B in assets (rank 600 of 629).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
-1.08%
Rank 600 of 629
Net Interest Margin
3.13%
Rank 443 of 629
Efficiency Ratio
101.08%
Rank 585 of 629
Equity / Assets
83.98%
Rank 26 of 629
Non-interest income vs. expense
Unfavorable gap of $1.3M · efficiency ratio beats 7% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -1.08% | 0.60% | 1.01% | 1.45% | Beats 5% | 600 / 629 | | |
| Return on Equity | -1.29% | 5.38% | 9.30% | 13.28% | Beats 7% | 582 / 629 | | |
| Net Interest Margin | 3.13% | 3.03% | 3.54% | 4.05% | Beats 30% | 443 / 629 | | |
| Efficiency Ratio | 101.08% | 58.35% | 67.79% | 79.08% | Beats 7% | 585 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | n/a | Not reported for this institution |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 91.41% | 11.24% | 13.84% | 18.77% | Beats 94% | 39 / 629 | | |
| Total Risk-Based Capital Ratio | 91.41% | 11.58% | 14.43% | 19.66% | Beats 94% | 39 / 629 | | |
| Equity / Assets | 83.98% | 9.09% | 10.65% | 13.80% | Beats 96% | 26 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 0.00% | 67.24% | 80.90% | 93.48% | 0th pctl | 582 / 594 | | |
| Loans / Assets | 0.00% | 53.31% | 67.71% | 78.15% | 0th pctl | 582 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |