First Colony Bank of Florida
Maitland, FL · Cert 58644 · Peer group: banks under $1B in assets (n=581-629)
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 158 of 581).
- Widest gap: equity / assets trails 69% of banks under $1B in assets (rank 434 of 629).
- Overall: at or above the peer median on 7 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $5.1M · efficiency ratio beats 92% of banks under $1B in assets | 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 |