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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.79% | 0.98% | 1.38% | 1.43% | 2.17% | +138 bps | |
| Return on Equity | 14.65% | 18.72% | 25.45% | 23.76% | 34.52% | +1,987 bps | |
| Net Interest Margin | 2.46% | 2.56% | 2.76% | 2.89% | 2.72% | +26 bps | |
| Efficiency Ratio | 42.56% | 43.38% | 39.80% | 39.04% | 40.80% | -176 bps | |
| Non-Interest Burden | 1.01% | 1.08% | 1.06% | 1.09% | 1.07% | +6 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.67% | 9.02% | -2.94% | 0.15% | -2.09% | -1,376 bps | |
| Loan Growth (YoY) | 17.61% | 6.23% | 2.30% | 0.50% | -3.48% | -2,108 bps | |
| Deposit Growth (YoY) | 11.45% | 18.13% | 10.22% | 6.55% | 4.88% | -658 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.57% | 0.00% | 0.04% | 0.56% | 0.57% | 0 bps | |
| Net Charge-Offs / Loans | 0.04% | 2.31% | -0.22% | 0.00% | -1.86% | -190 bps | |
| Allowance / Loans | 1.67% | 1.24% | 1.30% | 1.28% | 1.27% | -40 bps | |
| Allowance Coverage of NPLs | 2.9x | n/a | 31.3x | 2.3x | 2.2x | -0.7x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 6.62% | 6.15% | 6.92% | 7.23% | 7.54% | +93 bps | |
| Total Risk-Based Capital | 11.96% | 11.38% | 12.57% | 12.11% | 13.60% | +164 bps | |
| Equity / Assets | 5.43% | 5.02% | 5.86% | 6.16% | 6.41% | +98 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 63.60% | 58.57% | 60.31% | 61.75% | 58.53% | -507 bps | |
| Liquid Assets / Assets | 32.32% | 33.72% | 33.06% | 32.55% | 35.78% | +347 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 357% | n/a | n/a |