One Florida Bank
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
$2.1BAssets
$1.7BLoans
$1.8BDeposits
$199.3MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 80% of banks $1B-$10B in assets (rank 64 of 322).
- Widest gap: tier 1 capital ratio trails 85% of banks $1B-$10B in assets (rank 280 of 328).
- Overall: at or above the peer median on 2 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $44.1M · efficiency ratio beats 40% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |