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 (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 | 0.60% | 0.86% | 0.47% | 0.78% | 1.23% | 1.14% | 1.27% | 1.18% | +41 bps | |
| Return on Equity | 6.95% | 9.90% | 5.18% | 8.54% | 13.89% | 13.01% | 14.02% | 12.83% | +429 bps | |
| Net Interest Margin | 3.17% | 3.31% | 3.17% | 3.63% | 3.73% | 3.84% | 3.72% | 3.87% | +24 bps | |
| Efficiency Ratio | 65.04% | 58.90% | 66.06% | 56.34% | 48.49% | 47.19% | 50.94% | 51.33% | -501 bps | |
| Non-Interest Burden | 1.98% | 1.88% | 2.00% | 1.86% | 1.51% | 1.60% | 1.74% | 1.72% | -13 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 | 0.04% | 0.00% | 0.00% | 0.00% | 0.01% | 0.01% | 0.05% | 0.19% | +19 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 | |