Sarasota, FL · Cert 58999
FDIC
Q2 2026
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 | 12.43% | 11.42% | 7.76% | 9.98% | 10.18% | 10.82% | 13.64% | 13.27% | +329 bps | |
| Return on Equity | 13.38% | 12.91% | 10.15% | 13.21% | 13.59% | 14.49% | 18.04% | 17.40% | +419 bps | |
| Net Interest Margin | 0.95% | 0.87% | 0.82% | 0.90% | 0.90% | 0.87% | 0.80% | 0.78% | -12 bps | |
| Efficiency Ratio | 70.94% | 71.77% | 75.03% | 70.45% | 70.25% | 68.82% | 63.46% | 63.17% | -728 bps | |
| Non-Interest Burden | -16.51% | -14.04% | -10.73% | -14.73% | -15.35% | -16.03% | -19.55% | -19.64% | -491 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.22% | 31.23% | 41.06% | 17.95% | 18.22% | -4.91% | -4.25% | 12.42% | -553 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | -100.00% | -100.00% | n/a | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 100.40% | 89.97% | 79.94% | 73.74% | 78.72% | 79.89% | 80.82% | 81.89% | +814 bps | |
| Total Risk-Based Capital | 461% | 207% | 215% | 191.15% | 195.27% | 207% | 219% | 224% | +3,257 bps | |
| Equity / Assets | 93.71% | 75.17% | 77.72% | 73.58% | 72.96% | 73.87% | 77.34% | 77.45% | +387 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | n/a | n/a | 0.00% | 0.00% | n/a | n/a | n/a | n/a | n/a | |
| Liquid Assets / Assets | 82.06% | 65.84% | 65.91% | 61.06% | 63.72% | 66.28% | 66.70% | 68.08% | +702 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 0.00% | 0.00% | 0.00% | n/a | n/a | |