Clearwater, FL · Cert 58113 · West Florida Bank Corp.
State charter, non-member · FDIC · 6 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
41
Asset Quality
66
Profitability
39
Liquidity
41
Efficiency
71
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Clearwater, FL · Cert 58113 · West Florida Bank Corp.
State charter, non-member · FDIC · 6 branches
Q2 2026
Market Position · Tampa-St. Petersburg-Clearwater, FL · 2026 SOD (annual) · 0.5% share · #24 of 60 inst. · $0.7B 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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.83% | 0.86% | 0.98% | 0.95% | 1.00% | 1.02% | 0.93% | 0.96% | +2 bps | |
| Return on Equity | 6.91% | 7.09% | 7.69% | 7.39% | 7.75% | 7.92% | 7.33% | 7.72% | +33 bps | |
| Net Interest Margin | 3.28% | 3.30% | 3.31% | 3.33% | 3.38% | 3.34% | 3.36% | 3.33% | +1 bps | |
| Efficiency Ratio | 65.40% | 64.97% | 61.96% | 61.68% | 60.65% | 59.89% | 64.32% | 60.30% | -138 bps | |
| Non-Interest Burden | 2.05% | 2.06% | 1.90% | 1.94% | 1.94% | 1.90% | 2.08% | 1.92% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.66% | 3.01% | 6.30% | 5.43% | 8.05% | 13.26% | 9.94% | 15.54% | +1,011 bps | |
| Loan Growth (YoY) | 7.05% | 8.31% | 5.33% | 9.73% | 9.77% | 10.77% | 9.21% | 12.39% | +266 bps | |
| Deposit Growth (YoY) | 9.63% | -0.59% | 5.89% | 4.63% | 5.67% | 7.84% | 9.77% | 11.51% | +688 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.01% | 0.00% | 0.00% | 0.00% | 0.13% | 0.13% | 0.14% | 0.02% | +2 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.00% | 0.00% | 0.06% | 0.04% | 0.00% | 0.01% | +1 bps | |
| Allowance / Loans | 0.97% | 0.98% | 0.99% | 1.01% | 0.99% | 1.00% | 1.00% | 0.98% | -3 bps | |
| Allowance Coverage of NPLs | 104.0x | n/a | n/a | n/a | 7.4x | 7.7x | 7.0x | 61.9x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.48% | 11.61% | 11.56% | 11.67% | 11.81% | 11.78% | 11.96% | 11.69% | +2 bps | |
| Total Risk-Based Capital | 11.48% | 11.61% | 11.56% | 11.67% | 11.81% | 11.78% | 11.96% | 11.69% | +2 bps | |
| Equity / Assets | 12.62% | 13.00% | 12.48% | 12.97% | 12.92% | 12.74% | 12.58% | 12.19% | -78 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.04% | 94.08% | 89.02% | 93.26% | 94.57% | 96.63% | 88.57% | 93.99% | +73 bps | |
| Liquid Assets / Assets | 15.11% | 14.55% | 18.04% | 15.56% | 16.59% | 17.40% | 18.73% | 16.93% | +137 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 524% | 523% | 507% | n/a | n/a | |
Clearwater, FL · Cert 58113 · Peer group: banks under $1B in assets (n=581-629) · West Florida Bank Corp.
State charter, non-member · FDIC · 6 branches
Q2 2026
Return on Assets
0.92%
Rank 360 of 629
Net Interest Margin
3.33%
Rank 383 of 629
Efficiency Ratio
60.30%
Rank 184 of 629
Equity / Assets
12.19%
Rank 217 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.92% | 0.60% | 1.01% | 1.45% | Beats 43% | 360 / 629 | ||
| Return on Equity | 7.56% | 5.38% | 9.30% | 13.28% | Beats 36% | 403 / 629 | ||
| Net Interest Margin | 3.33% | 3.03% | 3.54% | 4.05% | Beats 39% | 383 / 629 | ||
| Efficiency Ratio | 60.30% | 58.35% | 67.79% | 79.08% | Beats 71% | 184 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.02% | 0.09% | 0.46% | 1.20% | Beats 85% | 90 / 581 | ||
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.06% | Beats 47% | 308 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.69% | 11.24% | 13.84% | 18.77% | Beats 30% | 441 / 629 | ||
| Total Risk-Based Capital Ratio | 11.69% | 11.58% | 14.43% | 19.66% | Beats 26% | 468 / 629 | ||
| Equity / Assets | 12.19% | 9.09% | 10.65% | 13.80% | Beats 66% | 217 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 93.99% | 67.24% | 80.90% | 93.48% | 77th pctl | 139 / 594 | ||
| Loans / Assets | 78.48% | 53.31% | 67.71% | 78.15% | 76th pctl | 151 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||