Maitland, FL · Cert 58644
State charter, non-member · FDIC · 1 branch
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
43
Asset Quality
84
Profitability
78
Liquidity
87
Efficiency
92
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.
Maitland, FL · Cert 58644
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Orlando-Kissimmee-Sanford, FL · 2026 SOD (annual) · 0.4% share · #24 of 49 inst. · $0.3B of $68.8B
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 | 1.24% | 1.37% | 1.45% | 1.48% | 1.51% | 1.54% | 1.53% | 1.62% | +14 bps | |
| Return on Equity | 15.77% | 17.34% | 17.67% | 18.03% | 18.08% | 18.08% | 17.26% | 17.90% | -13 bps | |
| Net Interest Margin | 3.11% | 3.15% | 3.58% | 3.67% | 3.77% | 3.83% | 3.73% | 3.79% | +12 bps | |
| Efficiency Ratio | 51.38% | 48.89% | 48.84% | 47.85% | 47.54% | 47.05% | 48.10% | 47.17% | -68 bps | |
| Non-Interest Burden | 1.54% | 1.48% | 1.68% | 1.69% | 1.73% | 1.74% | 1.73% | 1.73% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.06% | 8.81% | -8.48% | -2.88% | -6.77% | -6.87% | 4.15% | -3.32% | -44 bps | |
| Loan Growth (YoY) | 17.08% | 6.88% | 13.12% | 7.43% | -1.11% | -2.61% | -0.43% | -2.02% | -945 bps | |
| Deposit Growth (YoY) | 17.95% | 9.61% | -9.40% | -3.27% | -7.72% | -8.02% | 4.16% | -4.57% | -129 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.47% | 0.00% | 0.00% | 0.18% | 0.17% | 0.17% | +17 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.55% | 1.56% | 1.53% | 1.53% | 1.63% | 1.69% | 1.61% | 1.61% | +8 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 3.3x | n/a | n/a | 9.3x | 9.3x | 9.3x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.66% | 8.54% | 9.06% | 9.42% | 9.74% | 9.93% | 9.86% | 9.94% | +51 bps | |
| Total Risk-Based Capital | 13.16% | 13.62% | 13.25% | 13.44% | 14.19% | 14.76% | 14.14% | 14.58% | +113 bps | |
| Equity / Assets | 7.87% | 8.05% | 8.41% | 8.17% | 8.79% | 9.22% | 8.56% | 9.46% | +129 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.34% | 69.63% | 75.24% | 74.70% | 73.24% | 73.72% | 71.92% | 76.70% | +199 bps | |
| Liquid Assets / Assets | 28.67% | 27.93% | 21.88% | 23.11% | 24.45% | 24.55% | 26.35% | 20.94% | -218 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 531% | 519% | 549% | n/a | n/a | |
Maitland, FL · Cert 58644 · Peer group: banks under $1B in assets (n=581-629)
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets
1.64%
Rank 122 of 629
Net Interest Margin
3.79%
Rank 235 of 629
Efficiency Ratio
47.17%
Rank 50 of 629
Equity / Assets
9.46%
Rank 434 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.64% | 0.60% | 1.01% | 1.45% | Beats 81% | 122 / 629 | ||
| Return on Equity | 17.38% | 5.38% | 9.30% | 13.28% | Beats 90% | 66 / 629 | ||
| Net Interest Margin | 3.79% | 3.03% | 3.54% | 4.05% | Beats 63% | 235 / 629 | ||
| Efficiency Ratio | 47.17% | 58.35% | 67.79% | 79.08% | Beats 92% | 50 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.17% | 0.09% | 0.46% | 1.20% | Beats 67% | 192 / 581 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.32% | 11.24% | 13.84% | 18.77% | Beats 46% | 339 / 629 | ||
| Total Risk-Based Capital Ratio | 14.58% | 11.58% | 14.43% | 19.66% | Beats 51% | 310 / 629 | ||
| Equity / Assets | 9.46% | 9.09% | 10.65% | 13.80% | Beats 31% | 434 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 76.70% | 67.24% | 80.90% | 93.48% | 43rd pctl | 337 / 594 | ||
| Loans / Assets | 69.11% | 53.31% | 67.71% | 78.15% | 53rd pctl | 294 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||