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 | |