Mainstreet Community Bank of Florida
Deland, FL · Cert 57598 · Peer group: banks under $1B in assets (n=581-629) · Northstar Financial Group Inc.
State charter, non-member · FDIC · 2 affiliate banks · 9 branches (27 in holding)
Q2 2026
$953.4MAssets
$732.7MLoans
$863.2MDeposits
$83.8MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 68% of banks under $1B in assets (rank 205 of 629).
- Widest gap: total risk-based capital ratio trails 95% of banks under $1B in assets (rank 597 of 629).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.05%
Rank 300 of 629
Net Interest Margin
3.51%
Rank 322 of 629
Efficiency Ratio
61.92%
Rank 205 of 629
Equity / Assets
8.79%
Rank 499 of 629
Non-interest income vs. expense
Unfavorable gap of $18.9M · efficiency ratio beats 68% 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 | 1.05% | 0.60% | 1.01% | 1.45% | Beats 52% | 300 / 629 | | |
| Return on Equity | 11.89% | 5.38% | 9.30% | 13.28% | Beats 66% | 214 / 629 | | |
| Net Interest Margin | 3.51% | 3.03% | 3.54% | 4.05% | Beats 49% | 322 / 629 | | |
| Efficiency Ratio | 61.92% | 58.35% | 67.79% | 79.08% | Beats 68% | 205 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.27% | 0.09% | 0.46% | 1.20% | Beats 24% | 442 / 581 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 60% | 233 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 9.45% | 11.24% | 13.84% | 18.77% | Beats 5% | 596 / 629 | | |
| Total Risk-Based Capital Ratio | 9.45% | 11.58% | 14.43% | 19.66% | Beats 5% | 597 / 629 | | |
| Equity / Assets | 8.79% | 9.09% | 10.65% | 13.80% | Beats 21% | 499 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 84.87% | 67.24% | 80.90% | 93.48% | 57th pctl | 254 / 594 | | |
| Loans / Assets | 76.85% | 53.31% | 67.71% | 78.15% | 72nd pctl | 178 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |