Dade City, FL · Cert 58537 · Bankflorida Bcorp Inc.
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
58
Asset Quality
100
Profitability
62
Liquidity
63
Efficiency
82
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.
Dade City, FL · Cert 58537 · Bankflorida Bcorp Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Market Position · Tampa-St. Petersburg-Clearwater, FL · 2026 SOD (annual) · 0.1% share · #35 of 60 inst. · $0.2B 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 | 0.07% | -0.02% | 0.50% | 0.62% | 0.70% | 0.78% | 1.26% | 1.25% | +63 bps | |
| Return on Equity | 0.63% | -0.19% | 4.67% | 5.84% | 6.56% | 7.40% | 10.96% | 10.71% | +486 bps | |
| Net Interest Margin | 2.93% | 3.02% | 3.25% | 3.19% | 3.30% | 3.30% | 3.85% | 3.89% | +71 bps | |
| Efficiency Ratio | 76.58% | 75.21% | 75.43% | 72.09% | 69.56% | 67.40% | 55.97% | 54.76% | -1,733 bps | |
| Non-Interest Burden | 2.22% | 2.25% | 2.42% | 2.26% | 2.25% | 2.18% | 2.08% | 2.06% | -20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.87% | 14.88% | 8.64% | 20.33% | 12.77% | 16.33% | 9.33% | 12.75% | -758 bps | |
| Loan Growth (YoY) | 15.29% | 18.28% | 17.75% | 13.32% | 12.96% | 15.63% | 17.91% | 15.42% | +210 bps | |
| Deposit Growth (YoY) | 12.62% | 15.57% | 11.15% | 23.24% | 14.24% | 21.82% | 6.45% | 11.22% | -1,203 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.03% | -0.03% | -0.05% | -0.03% | -0.03% | -0.03% | -0.15% | -0.07% | -4 bps | |
| Allowance / Loans | 1.40% | 1.39% | 1.45% | 1.44% | 1.42% | 1.35% | 1.39% | 1.40% | -4 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.57% | 11.38% | 10.91% | 10.50% | 10.69% | 10.57% | 12.83% | 12.58% | +209 bps | |
| Total Risk-Based Capital | 14.22% | 12.72% | 13.52% | 12.57% | 12.81% | 12.74% | 15.79% | 15.54% | +297 bps | |
| Equity / Assets | 11.47% | 11.00% | 10.32% | 10.36% | 10.78% | 10.32% | 12.70% | 11.94% | +158 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.92% | 95.48% | 84.09% | 85.76% | 90.90% | 90.63% | 93.14% | 89.00% | +324 bps | |
| Liquid Assets / Assets | 6.98% | 6.87% | 13.84% | 11.91% | 14.78% | 14.83% | 15.12% | 18.02% | +611 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 518% | 560% | 460% | n/a | n/a | |
Dade City, FL · Cert 58537 · Peer group: banks under $1B in assets (n=581-629) · Bankflorida Bcorp Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Return on Assets
1.20%
Rank 236 of 629
Net Interest Margin
3.89%
Rank 198 of 629
Efficiency Ratio
54.76%
Rank 117 of 629
Equity / Assets
11.94%
Rank 231 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.20% | 0.60% | 1.01% | 1.45% | Beats 62% | 236 / 629 | ||
| Return on Equity | 10.08% | 5.38% | 9.30% | 13.28% | Beats 54% | 287 / 629 | ||
| Net Interest Margin | 3.89% | 3.03% | 3.54% | 4.05% | Beats 69% | 198 / 629 | ||
| Efficiency Ratio | 54.76% | 58.35% | 67.79% | 79.08% | Beats 82% | 117 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.46% | 1.20% | Beats 100% | 81 / 581 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.29% | 11.24% | 13.84% | 18.77% | Beats 54% | 292 / 629 | ||
| Total Risk-Based Capital Ratio | 15.54% | 11.58% | 14.43% | 19.66% | Beats 58% | 265 / 629 | ||
| Equity / Assets | 11.94% | 9.09% | 10.65% | 13.80% | Beats 63% | 231 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 89.00% | 67.24% | 80.90% | 93.48% | 66th pctl | 200 / 594 | ||
| Loans / Assets | 75.32% | 53.31% | 67.71% | 78.15% | 67th pctl | 207 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||