Flagship Bank
Clearwater, FL · Cert 58113 · Peer group: banks under $1B in assets (n=570-617) · West Florida Bank Corp.
State charter, non-member · FDIC · 6 branches
Q2 2026
$802.8MAssets
$630.1MLoans
$670.4MDeposits
$97.8MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 85% of banks under $1B in assets (rank 88 of 570).
- Widest gap: total risk-based capital ratio trails 74% of banks under $1B in assets (rank 458 of 617).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.92%
Rank 350 of 617
Net Interest Margin
3.33%
Rank 377 of 617
Efficiency Ratio
60.30%
Rank 185 of 617
Equity / Assets
12.19%
Rank 211 of 617
Non-interest income vs. expense
Unfavorable gap of $14.7M · efficiency ratio beats 70% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.92% | 0.60% | 1.01% | 1.45% | Beats 43% | 350 / 617 | |
| Return on Equity | 7.56% | 5.30% | 9.43% | 13.30% | Beats 35% | 401 / 617 | |
| Net Interest Margin | 3.33% | 3.04% | 3.54% | 4.05% | Beats 39% | 377 / 617 | |
| Efficiency Ratio | 60.30% | 58.03% | 67.76% | 79.08% | Beats 70% | 185 / 617 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.02% | 0.09% | 0.47% | 1.27% | Beats 85% | 88 / 570 | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.06% | Beats 45% | 313 / 570 | |
| Capital |
| Tier 1 Capital Ratio | 11.69% | 11.18% | 13.83% | 18.55% | Beats 30% | 431 / 617 | |
| Total Risk-Based Capital Ratio | 11.69% | 11.56% | 14.39% | 19.39% | Beats 26% | 458 / 617 | |
| Equity / Assets | 12.19% | 9.03% | 10.55% | 13.63% | Beats 66% | 211 / 617 | |
| Liquidity & Funding |
| Loans / Deposits | 93.99% | 64.77% | 79.70% | 93.06% | 77th pctl | 131 / 582 | |
| Loans / Assets | 78.48% | 51.70% | 67.18% | 77.51% | 77th pctl | 140 / 617 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |