First Colony Bank of Florida
Maitland, FL · Cert 58644 · Peer group: banks under $1B in assets (n=570-617)
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 160 of 570).
- Widest gap: equity / assets trails 68% of banks under $1B in assets (rank 417 of 617).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.64%
Rank 117 of 617
Net Interest Margin
3.79%
Rank 229 of 617
Efficiency Ratio
47.17%
Rank 42 of 617
Equity / Assets
9.46%
Rank 417 of 617
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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.64% | 0.60% | 1.01% | 1.45% | Beats 81% | 117 / 617 | | |
| Return on Equity | 17.38% | 5.30% | 9.43% | 13.30% | Beats 89% | 66 / 617 | | |
| Net Interest Margin | 3.79% | 3.04% | 3.54% | 4.05% | Beats 63% | 229 / 617 | | |
| Efficiency Ratio | 47.17% | 58.03% | 67.76% | 79.08% | Beats 93% | 42 / 617 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.17% | 0.09% | 0.48% | 1.27% | Beats 68% | 185 / 570 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 160 / 570 | | |
| Capital |
| Tier 1 Capital Ratio | 13.32% | 11.18% | 13.83% | 18.55% | Beats 46% | 332 / 617 | | |
| Total Risk-Based Capital Ratio | 14.58% | 11.56% | 14.39% | 19.39% | Beats 51% | 303 / 617 | | |
| Equity / Assets | 9.46% | 9.03% | 10.55% | 13.63% | Beats 32% | 417 / 617 | | |
| Liquidity & Funding |
| Loans / Deposits | 76.70% | 64.77% | 79.70% | 93.06% | 45th pctl | 320 / 582 | | |
| Loans / Assets | 69.11% | 51.70% | 67.18% | 77.51% | 54th pctl | 282 / 617 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |