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 | |