Tampa, FL · Cert 57470
State savings bank · OCC · 4 branches
Q2 2026
Market Position · Tampa-St. Petersburg-Clearwater, FL · 2026 SOD (annual) · 0.0% share · #58 of 60 inst. · $0.0B of $131.5B
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -6.59% | -6.88% | -6.15% | -0.84% | -1.07% | +552 bps | |
| Return on Equity | -8.03% | -8.45% | -7.51% | -1.01% | -1.28% | +675 bps | |
| Net Interest Margin | 3.23% | 3.21% | 3.50% | 3.15% | 3.13% | -10 bps | |
| Efficiency Ratio | 107.78% | 108.09% | 109.10% | 100.78% | 101.01% | -677 bps | |
| Non-Interest Burden | 9.94% | 10.30% | 11.54% | 3.75% | 3.97% | -597 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.53% | -3.77% | -9.61% | -4.82% | -6.15% | -62 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 86.80% | 85.88% | 86.43% | 90.56% | 91.41% | +461 bps | |
| Total Risk-Based Capital | 86.80% | 85.88% | 86.43% | 90.56% | 91.41% | +461 bps | |
| Equity / Assets | 82.05% | 79.46% | 84.19% | 83.39% | 83.98% | +193 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Liquid Assets / Assets | 9.68% | 11.55% | 6.49% | 5.93% | 7.00% | -268 bps | |
| CRE / Total Capital | n/a | 0.00% | 0.00% | 0.00% | n/a | n/a | |