Flagship Bank
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
$802.8MAssets
$630.1MLoans
$670.4MDeposits
$97.8MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 85% of banks under $1B in assets (rank 90 of 581).
- Widest gap: total risk-based capital ratio trails 74% of banks under $1B in assets (rank 468 of 629).
- Overall: at or above the peer median on 3 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $14.7M · efficiency ratio beats 71% 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 | 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 |