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 | |