Winter Park National Bank
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
$827.3MAssets
$451.5MLoans
$771.5MDeposits
$53.0MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 175 of 843).
- Widest gap: equity / assets trails 95% of banks under $1B in assets operating in a single state (rank 807 of 849).
- Overall: at or above the peer median on 5 of 10 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $8.7M · efficiency ratio beats 98% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 | |