Sarasota, FL · Cert 59140
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · North Port-Bradenton-Sarasota, FL · 2026 SOD (annual) · 1.0% share · #21 of 40 inst. · $0.3B of $29.1B
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 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.53% | 1.22% | 1.11% | 1.23% | 1.23% | 1.45% | 1.25% | 1.61% | +37 bps | |
| Return on Equity | 17.14% | 13.31% | 12.62% | 13.97% | 13.71% | 15.25% | 12.97% | 16.45% | +248 bps | |
| Net Interest Margin | 3.62% | 3.76% | 3.66% | 3.77% | 3.57% | 3.55% | 3.65% | 3.90% | +13 bps | |
| Efficiency Ratio | 53.74% | 59.93% | 61.64% | 57.16% | 55.96% | 52.81% | 55.58% | 48.54% | -862 bps | |
| Non-Interest Burden | 1.59% | 2.11% | 2.14% | 2.01% | 1.83% | 1.74% | 1.92% | 1.61% | -40 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.37% | 8.55% | 9.43% | 11.47% | 19.91% | 10.08% | 13.10% | 9.19% | -228 bps | |
| Loan Growth (YoY) | 12.77% | 16.28% | 15.17% | 16.88% | 15.14% | 7.54% | 8.81% | 12.57% | -431 bps | |
| Deposit Growth (YoY) | -0.74% | 7.21% | 7.96% | 10.32% | 15.83% | 4.19% | 8.14% | 3.46% | -687 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.07% | 0.06% | 0.06% | 0.06% | 0.02% | 0.02% | 0.00% | -6 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.14% | 1.10% | 1.08% | 1.08% | 1.09% | 1.09% | 1.07% | 1.05% | -3 bps | |
| Allowance Coverage of NPLs | n/a | 16.4x | 16.9x | 17.7x | 18.2x | 61.5x | 63.1x | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.59% | 10.67% | 10.24% | 10.33% | 10.52% | 10.42% | 11.04% | 11.24% | +90 bps | |
| Total Risk-Based Capital | 10.59% | 10.67% | 10.24% | 10.33% | 10.52% | 10.42% | 11.04% | 11.24% | +90 bps | |
| Equity / Assets | 9.28% | 8.99% | 8.62% | 9.06% | 8.93% | 10.05% | 9.29% | 10.29% | +124 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.55% | 81.86% | 76.48% | 79.96% | 79.08% | 84.49% | 76.96% | 87.00% | +704 bps | |
| Liquid Assets / Assets | 10.85% | 10.56% | 16.06% | 13.40% | 14.18% | 9.06% | 16.36% | 8.76% | -464 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 392% | 392% | 404% | n/a | n/a | |