Climate First Bank
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
$1.9BAssets
$1.7BLoans
$1.5BDeposits
$178.3MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 85% of banks $1B-$10B in assets (rank 49 of 322).
- Widest gap: tier 1 capital ratio trails 97% of banks $1B-$10B in assets (rank 317 of 328).
- Overall: at or above the peer median on 4 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $30.4M · efficiency ratio beats 76% of banks $1B-$10B in assets | 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 |