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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.16% | 1.20% | 1.22% | 1.22% | 0.98% | -18 bps | |
| Return on Equity | 12.96% | 13.40% | 13.49% | 13.21% | 10.48% | -249 bps | |
| Net Interest Margin | 3.32% | 3.26% | 3.22% | 3.39% | 3.46% | +14 bps | |
| Efficiency Ratio | 53.82% | 52.75% | 52.09% | 50.73% | 62.46% | +864 bps | |
| Non-Interest Burden | 1.74% | 1.67% | 1.62% | 1.67% | 2.11% | +38 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.68% | 10.07% | 11.74% | 11.58% | 7.13% | -54 bps | |
| Loan Growth (YoY) | 18.98% | 13.79% | 8.13% | 9.43% | 7.05% | -1,193 bps | |
| Deposit Growth (YoY) | 6.56% | 7.84% | 9.95% | 9.76% | 5.24% | -132 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.05% | 0.07% | 0.28% | 0.19% | 0.17% | +11 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.11% | 0.08% | +8 bps | |
| Allowance / Loans | 0.84% | 0.84% | 0.83% | 0.80% | 0.79% | -5 bps | |
| Allowance Coverage of NPLs | 15.6x | 12.4x | 3.0x | 4.2x | 4.7x | -10.9x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.68% | 9.62% | 9.67% | 9.70% | 9.93% | +26 bps | |
| Total Risk-Based Capital | 11.16% | 11.56% | 11.47% | 11.42% | 11.71% | +54 bps | |
| Equity / Assets | 9.06% | 9.12% | 9.23% | 9.22% | 9.64% | +58 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 90.63% | 88.57% | 89.53% | 89.89% | 92.19% | +155 bps | |
| Liquid Assets / Assets | 12.68% | 16.20% | 15.36% | 15.24% | 13.54% | +86 bps | |
| CRE / Total Capital | n/a | 460% | 458% | 465% | n/a | n/a | |