Finemark National Bank & Trust
Fort Myers, FL · Cert 58486 · Peer group: banks $1B-$10B in assets operating regionally (n=188)
FDIC · 13 branches
Q4 2025
$3.9BAssets
$2.7BLoans
$3.1BDeposits
$379.4MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 97% of banks $1B-$10B in assets operating regionally (rank 6 of 188).
- Widest gap: net interest margin trails 99% of banks $1B-$10B in assets operating regionally (rank 187 of 188).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.38%
Rank 176 of 188
Net Interest Margin
1.89%
Rank 187 of 188
Efficiency Ratio
85.21%
Rank 178 of 188
Equity / Assets
9.65%
Rank 122 of 188
Non-interest income vs. expense
Unfavorable gap of $56.7M · efficiency ratio beats 6% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.38% | 0.81% | 1.07% | 1.39% | Beats 6% | 176 / 188 | |
| Return on Equity | 3.99% | 8.05% | 10.66% | 13.11% | Beats 7% | 175 / 188 | |
| Net Interest Margin | 1.89% | 2.96% | 3.38% | 3.73% | Beats 1% | 187 / 188 | |
| Efficiency Ratio | 85.21% | 53.47% | 60.74% | 69.25% | Beats 6% | 178 / 188 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.04% | 0.27% | 0.57% | 1.04% | Beats 97% | 6 / 188 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 18.27% | 11.27% | 12.41% | 13.94% | Beats 93% | 13 / 188 | |
| Total Risk-Based Capital Ratio | 19.29% | 12.24% | 13.41% | 15.02% | Beats 94% | 12 / 188 | |
| Equity / Assets | 9.65% | 9.20% | 10.34% | 11.75% | Beats 35% | 122 / 188 | |
| Liquidity & Funding |
| Loans / Deposits | 87.16% | 81.05% | 88.67% | 96.26% | 46th pctl | 102 / 188 | |
| Loans / Assets | 69.14% | 68.20% | 74.78% | 80.31% | 27th pctl | 137 / 188 | |
| Brokered Deposits / Deposits | 22.78% | n/a | 2.16% | 7.71% | Beats 4% | 181 / 188 | |