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 |