Orlando, FL · Cert 58811 · Ofb Bancshares Inc.
State charter, non-member · FDIC · 6 branches
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 $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
23
Asset Quality
63
Profitability
39
Liquidity
69
Efficiency
40
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.
Orlando, FL · Cert 58811 · Ofb Bancshares Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Market Position · Orlando-Kissimmee-Sanford, FL · 2026 SOD (annual) · 2.6% share · #8 of 49 inst. · $1.8B 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 | 0.86% | 0.88% | 1.10% | 1.16% | 1.20% | 1.22% | 1.22% | 0.98% | -18 bps | |
| Return on Equity | 10.26% | 10.37% | 12.47% | 12.96% | 13.40% | 13.49% | 13.21% | 10.48% | -249 bps | |
| Net Interest Margin | 2.79% | 2.87% | 3.32% | 3.32% | 3.26% | 3.22% | 3.39% | 3.46% | +14 bps | |
| Efficiency Ratio | 59.69% | 58.17% | 54.37% | 53.82% | 52.75% | 52.09% | 50.73% | 62.46% | +864 bps | |
| Non-Interest Burden | 1.62% | 1.63% | 1.76% | 1.74% | 1.67% | 1.62% | 1.67% | 2.11% | +38 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.10% | 16.15% | 11.80% | 7.68% | 10.07% | 11.74% | 11.58% | 7.13% | -54 bps | |
| Loan Growth (YoY) | 14.47% | 17.28% | 16.58% | 18.98% | 13.79% | 8.13% | 9.43% | 7.05% | -1,193 bps | |
| Deposit Growth (YoY) | 11.86% | 16.27% | 11.30% | 6.56% | 7.84% | 9.95% | 9.76% | 5.24% | -132 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.03% | 0.03% | 0.04% | 0.05% | 0.07% | 0.28% | 0.19% | 0.17% | +11 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.11% | 0.08% | +8 bps | |
| Allowance / Loans | 0.82% | 0.83% | 0.84% | 0.84% | 0.84% | 0.83% | 0.80% | 0.79% | -5 bps | |
| Allowance Coverage of NPLs | 23.6x | 31.2x | 19.8x | 15.6x | 12.4x | 3.0x | 4.2x | 4.7x | -10.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.82% | 9.29% | 9.51% | 9.68% | 9.62% | 9.67% | 9.70% | 9.93% | +26 bps | |
| Total Risk-Based Capital | 10.87% | 10.53% | 10.97% | 11.16% | 11.56% | 11.47% | 11.42% | 11.71% | +54 bps | |
| Equity / Assets | 8.43% | 8.84% | 8.86% | 9.06% | 9.12% | 9.23% | 9.22% | 9.64% | +58 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.94% | 91.05% | 90.17% | 90.63% | 88.57% | 89.53% | 89.89% | 92.19% | +155 bps | |
| Liquid Assets / Assets | 17.84% | 12.22% | 12.90% | 12.68% | 16.20% | 15.36% | 15.24% | 13.54% | +86 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 460% | 458% | 465% | n/a | n/a | |
Orlando, FL · Cert 58811 · Peer group: banks $1B-$10B in assets (n=322-328) · Ofb Bancshares Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Return on Assets
0.99%
Rank 234 of 328
Net Interest Margin
3.46%
Rank 163 of 328
Efficiency Ratio
62.46%
Rank 197 of 328
Equity / Assets
9.64%
Rank 205 of 328
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.99% | 0.91% | 1.22% | 1.52% | Beats 29% | 234 / 328 | ||
| Return on Equity | 10.23% | 8.43% | 11.45% | 14.43% | Beats 38% | 205 / 328 | ||
| Net Interest Margin | 3.46% | 3.03% | 3.45% | 3.83% | Beats 50% | 163 / 328 | ||
| Efficiency Ratio | 62.46% | 51.61% | 59.56% | 67.53% | Beats 40% | 197 / 328 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.17% | 0.24% | 0.51% | 1.03% | Beats 80% | 64 / 322 | ||
| Net Charge-Offs / Loans | 0.04% | 0.01% | 0.03% | 0.10% | Beats 46% | 176 / 322 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.99% | 11.75% | 13.15% | 15.47% | Beats 15% | 280 / 328 | ||
| Total Risk-Based Capital Ratio | 11.71% | 12.63% | 14.15% | 16.46% | Beats 16% | 276 / 328 | ||
| Equity / Assets | 9.64% | 9.15% | 10.33% | 12.01% | Beats 38% | 205 / 328 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 92.19% | 76.63% | 87.92% | 95.36% | 66th pctl | 109 / 323 | ||
| Loans / Assets | 81.17% | 65.18% | 74.15% | 79.98% | 79th pctl | 69 / 328 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||