Saint Petersburg, FL · Cert 59257 · Climate First Bcorp Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
12
Asset Quality
61
Profitability
54
Liquidity
0
Efficiency
76
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Saint Petersburg, FL · Cert 59257 · Climate First Bcorp Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Tampa-St. Petersburg-Clearwater, FL · 2026 SOD (annual) · 0.9% share · #14 of 60 inst. · $1.2B of $131.5B
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.29% | 0.47% | 0.47% | 0.63% | 0.86% | 0.94% | 1.27% | 1.22% | +59 bps | |
| Return on Equity | 3.28% | 5.26% | 5.18% | 7.00% | 9.60% | 10.57% | 14.02% | 13.42% | +642 bps | |
| Net Interest Margin | 2.69% | 2.61% | 3.17% | 3.18% | 3.07% | 2.96% | 3.72% | 3.65% | +48 bps | |
| Efficiency Ratio | 73.57% | 68.95% | 66.06% | 60.44% | 55.48% | 52.82% | 50.94% | 51.15% | -928 bps | |
| Non-Interest Burden | 1.93% | 1.75% | 2.00% | 1.79% | 1.53% | 1.40% | 1.74% | 1.67% | -12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 84.83% | 64.01% | 68.35% | 71.45% | 61.60% | 82.69% | 69.75% | 64.60% | -685 bps | |
| Loan Growth (YoY) | 77.58% | 65.01% | 72.01% | 67.79% | 68.36% | 82.77% | 75.33% | 64.15% | -364 bps | |
| Deposit Growth (YoY) | 103.33% | 63.78% | 57.14% | 62.10% | 53.19% | 72.82% | 74.72% | 53.81% | -829 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.03% | 0.12% | +12 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.00% | 0.00% | 0.00% | 0.01% | 0.05% | 0.12% | +12 bps | |
| Allowance / Loans | 1.03% | 0.98% | 1.00% | 1.05% | 1.04% | 1.05% | 1.03% | 1.04% | -1 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | 36.2x | 8.5x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.37% | 9.17% | 9.88% | 9.58% | 9.36% | 9.65% | 9.53% | 9.66% | +7 bps | |
| Total Risk-Based Capital | 10.38% | 10.24% | 10.88% | 10.43% | 10.21% | 10.42% | 10.99% | 10.87% | +44 bps | |
| Equity / Assets | 8.45% | 8.93% | 9.18% | 9.04% | 8.71% | 8.81% | 9.29% | 9.18% | +14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.83% | 97.89% | 100.27% | 101.53% | 98.72% | 103.53% | 100.62% | 108.36% | +682 bps | |
| Liquid Assets / Assets | 15.49% | 10.21% | 12.32% | 10.53% | 12.26% | 11.01% | 10.32% | 11.15% | +62 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 363% | 371% | 359% | n/a | n/a | |
Saint Petersburg, FL · Cert 59257 · Peer group: banks $1B-$10B in assets (n=322-328) · Climate First Bcorp Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets
1.12%
Rank 197 of 328
Net Interest Margin
3.65%
Rank 112 of 328
Efficiency Ratio
51.15%
Rank 80 of 328
Equity / Assets
9.18%
Rank 244 of 328
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.12% | 0.91% | 1.22% | 1.52% | Beats 40% | 197 / 328 | ||
| Return on Equity | 12.15% | 8.43% | 11.45% | 14.43% | Beats 55% | 146 / 328 | ||
| Net Interest Margin | 3.65% | 3.03% | 3.45% | 3.83% | Beats 66% | 112 / 328 | ||
| Efficiency Ratio | 51.15% | 51.61% | 59.56% | 67.53% | Beats 76% | 80 / 328 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.12% | 0.24% | 0.51% | 1.03% | Beats 85% | 49 / 322 | ||
| Net Charge-Offs / Loans | 0.06% | 0.01% | 0.03% | 0.10% | Beats 36% | 207 / 322 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.83% | 11.75% | 13.15% | 15.47% | Beats 3% | 317 / 328 | ||
| Total Risk-Based Capital Ratio | 10.87% | 12.63% | 14.15% | 16.46% | Beats 8% | 303 / 328 | ||
| Equity / Assets | 9.18% | 9.15% | 10.33% | 12.01% | Beats 26% | 244 / 328 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 108.36% | 76.63% | 87.92% | 95.36% | 95th pctl | 16 / 323 | ||
| Loans / Assets | 86.38% | 65.18% | 74.15% | 79.98% | 95th pctl | 18 / 328 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||