Winter Park, FL · Cert 59105
FDIC · 2 branches
Q3 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2025, the quarter ended September 30, 2025, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=843 to 849). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
26
Asset Quality
71
Profitability
68
Liquidity
38
Efficiency
98
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.
Winter Park, FL · Cert 59105
FDIC · 2 branches
Q3 2025
Market Position · Orlando-Kissimmee-Sanford, FL · 2025 SOD (annual) · 1.1% share · #17 of 49 inst. · $0.7B of $70.1B
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 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.04% | 0.77% | 0.76% | 0.76% | 0.82% | 1.38% | 1.40% | 1.65% | +88 bps | |
| Return on Equity | 19.19% | 14.59% | 14.19% | 14.28% | 15.58% | 25.45% | 24.69% | 28.13% | +1,385 bps | |
| Net Interest Margin | 2.31% | 2.31% | 2.38% | 2.38% | 2.36% | 2.76% | 2.85% | 2.78% | +40 bps | |
| Efficiency Ratio | 44.44% | 45.01% | 44.22% | 43.65% | 43.57% | 39.80% | 39.42% | 39.87% | -378 bps | |
| Non-Interest Burden | 0.99% | 1.00% | 1.02% | 1.01% | 1.00% | 1.06% | 1.09% | 1.07% | +6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.90% | 15.35% | 1.88% | 11.67% | 9.02% | -2.94% | 0.15% | -2.09% | -1,376 bps | |
| Loan Growth (YoY) | 13.96% | 11.52% | 14.71% | 17.61% | 6.23% | 2.30% | 0.50% | -3.48% | -2,108 bps | |
| Deposit Growth (YoY) | 0.09% | 0.40% | 5.00% | 11.45% | 18.13% | 10.22% | 6.55% | 4.88% | -658 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.05% | 0.85% | 0.60% | 0.57% | 0.00% | 0.04% | 0.56% | 0.57% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.01% | 0.59% | -0.22% | -0.11% | -0.69% | -71 bps | |
| Allowance / Loans | 1.19% | 1.34% | 1.52% | 1.67% | 1.24% | 1.30% | 1.28% | 1.27% | -40 bps | |
| Allowance Coverage of NPLs | 23.7x | 1.6x | 2.5x | 2.9x | n/a | 31.3x | 2.3x | 2.2x | -0.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 6.70% | 6.49% | 6.64% | 6.62% | 6.15% | 6.92% | 7.23% | 7.54% | +93 bps | |
| Total Risk-Based Capital | 11.59% | 11.61% | 11.89% | 11.96% | 11.38% | 12.57% | 12.11% | 13.60% | +164 bps | |
| Equity / Assets | 5.52% | 5.06% | 5.41% | 5.43% | 5.02% | 5.86% | 6.16% | 6.41% | +98 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 65.13% | 64.98% | 65.46% | 63.60% | 58.57% | 60.31% | 61.75% | 58.53% | -507 bps | |
| Liquid Assets / Assets | 29.18% | 33.35% | 29.16% | 32.32% | 33.72% | 33.06% | 32.55% | 35.78% | +347 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 357% | n/a | n/a |
Winter Park, FL · Cert 59105 · Peer group: banks under $1B in assets operating in a single state (n=843-849)
FDIC · 2 branches
Q3 2025
Return on Assets
1.63%
Rank 110 of 849
Net Interest Margin
2.78%
Rank 682 of 849
Efficiency Ratio
39.87%
Rank 21 of 849
Equity / Assets
6.41%
Rank 807 of 849
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.63% | 0.60% | 0.92% | 1.34% | Beats 87% | 110 / 849 | ||
| Return on Equity | 25.36% | 5.33% | 9.20% | 12.48% | Beats 98% | 14 / 848 | ||
| Net Interest Margin | 2.78% | 2.93% | 3.45% | 4.03% | Beats 20% | 682 / 849 | ||
| Efficiency Ratio | 39.87% | 58.46% | 68.22% | 77.90% | Beats 98% | 21 / 849 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.57% | 0.06% | 0.40% | 1.03% | Beats 41% | 497 / 843 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.07% | Beats 100% | 175 / 843 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.40% | 11.59% | 13.93% | 17.99% | Beats 33% | 566 / 849 | ||
| Total Risk-Based Capital Ratio | 13.60% | 11.90% | 14.68% | 18.78% | Beats 41% | 504 / 849 | ||
| Equity / Assets | 6.41% | 8.73% | 10.40% | 13.12% | Beats 5% | 807 / 849 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 58.53% | 62.07% | 77.56% | 89.95% | 20th pctl | 675 / 849 | ||
| Loans / Assets | 54.58% | 53.39% | 65.75% | 75.62% | 26th pctl | 622 / 843 | ||
| Brokered Deposits / Deposits | 0.00% | n/a | n/a | 2.94% | Beats 100% | 521 / 849 | n/a | |