Winter Park National Bank
Winter Park, FL · Cert 59105 · Peer group: banks under $1B in assets (n=524-573)
FDIC · 2 branches
Q3 2025
$827.3MAssets
$451.5MLoans
$771.5MDeposits
$53.0MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 111 of 524).
- Widest gap: equity / assets trails 95% of banks under $1B in assets (rank 545 of 572).
- Overall: at or above the peer median on 5 of 10 directional measures.
Return on Assets
1.63%
Rank 105 of 573
Net Interest Margin
2.78%
Rank 462 of 572
Efficiency Ratio
39.87%
Rank 11 of 572
Equity / Assets
6.41%
Rank 545 of 572
Non-interest income vs. expense
Unfavorable gap of $8.7M · efficiency ratio beats 98% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.63% | 0.59% | 0.98% | 1.45% | Beats 82% | 105 / 573 | |
| Return on Equity | 25.36% | 5.85% | 9.53% | 12.80% | Beats 96% | 22 / 572 | |
| Net Interest Margin | 2.78% | 2.90% | 3.43% | 3.93% | Beats 19% | 462 / 572 | |
| Efficiency Ratio | 39.87% | 57.89% | 68.34% | 78.82% | Beats 98% | 11 / 572 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.57% | 0.06% | 0.38% | 1.02% | Beats 41% | 311 / 524 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.10% | Beats 100% | 111 / 524 | |
| Capital |
| Tier 1 Capital Ratio | 12.40% | 11.46% | 13.85% | 18.44% | Beats 36% | 364 / 572 | |
| Total Risk-Based Capital Ratio | 13.60% | 11.91% | 14.43% | 19.34% | Beats 42% | 334 / 572 | |
| Equity / Assets | 6.41% | 8.73% | 10.52% | 13.44% | Beats 5% | 545 / 572 | |
| Liquidity & Funding |
| Loans / Deposits | 58.53% | 65.09% | 79.44% | 91.92% | 18th pctl | 437 / 534 | |
| Loans / Assets | 54.58% | 56.13% | 68.58% | 77.83% | 22nd pctl | 408 / 524 | |
| Brokered Deposits / Deposits | 0.00% | n/a | n/a | 4.01% | Beats 100% | 308 / 534 | |