First Colony Bank of Florida
Maitland, FL · Cert 58644 · Peer group: banks under $1B in assets (n=573-620)
State charter, non-member · FDIC · 1 branch
Q2 2026
$291.1MAssets
$201.2MLoans
$262.4MDeposits
$27.6MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 162 of 573).
- Widest gap: equity / assets trails 68% of banks under $1B in assets (rank 419 of 620).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.64%
Rank 119 of 620
Net Interest Margin
3.79%
Rank 223 of 620
Efficiency Ratio
47.17%
Rank 43 of 620
Equity / Assets
9.46%
Rank 419 of 620
Non-interest income vs. expense
Unfavorable gap of $5.1M · efficiency ratio beats 93% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.64% | 0.60% | 1.00% | 1.45% | Beats 81% | 119 / 620 | |
| Return on Equity | 17.38% | 5.30% | 9.30% | 13.29% | Beats 89% | 66 / 620 | |
| Net Interest Margin | 3.79% | 3.02% | 3.53% | 4.04% | Beats 64% | 223 / 620 | |
| Efficiency Ratio | 47.17% | 58.35% | 68.08% | 79.37% | Beats 93% | 43 / 620 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.17% | 0.09% | 0.47% | 1.27% | Beats 68% | 187 / 573 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 162 / 573 | |
| Capital |
| Tier 1 Capital Ratio | 13.32% | 11.27% | 13.87% | 18.78% | Beats 46% | 336 / 620 | |
| Total Risk-Based Capital Ratio | 14.58% | 11.69% | 14.57% | 19.67% | Beats 50% | 309 / 620 | |
| Equity / Assets | 9.46% | 9.03% | 10.60% | 13.73% | Beats 32% | 419 / 620 | |
| Liquidity & Funding |
| Loans / Deposits | 76.70% | 65.08% | 79.69% | 92.47% | 45th pctl | 322 / 585 | |
| Loans / Assets | 69.11% | 51.85% | 67.17% | 77.86% | 55th pctl | 282 / 620 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |