Fort Lauderdale, FL · Cert 59278
State charter, non-member · FDIC · 1 branch
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 under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
49
Asset Quality
22
Profitability
31
Liquidity
56
Efficiency
24
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.
Fort Lauderdale, FL · Cert 59278
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Miami-Fort Lauderdale-West Palm Beach, FL · 2026 SOD (annual) · 0.1% share · #50 of 86 inst. · $0.3B of $348.8B
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 | -1.42% | -0.09% | -0.68% | -0.21% | -0.26% | 0.17% | 0.10% | 0.29% | +51 bps | |
| Return on Equity | -10.02% | -0.64% | -5.06% | -1.51% | -1.87% | 1.24% | 0.70% | 2.24% | +375 bps | |
| Net Interest Margin | 3.23% | 3.01% | 3.45% | 3.52% | 3.74% | 3.64% | 3.86% | 3.87% | +35 bps | |
| Efficiency Ratio | 109.17% | 106.23% | 95.01% | 90.03% | 86.36% | 82.74% | 82.78% | 79.79% | -1,025 bps | |
| Non-Interest Burden | 3.55% | 3.19% | 3.24% | 3.11% | 3.15% | 2.92% | 3.12% | 3.03% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 56.23% | 46.37% | 49.32% | 31.09% | 42.59% | 23.50% | 18.07% | 29.53% | -156 bps | |
| Loan Growth (YoY) | 73.19% | 59.71% | 69.19% | 39.18% | 28.71% | 31.05% | 23.93% | 34.73% | -445 bps | |
| Deposit Growth (YoY) | 72.52% | 53.09% | 50.20% | 25.07% | 38.78% | 22.20% | 15.14% | 38.61% | +1,354 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.73% | 0.54% | 1.11% | 1.11% | 1.10% | 1.07% | 1.74% | 1.55% | +44 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.12% | +12 bps | |
| Allowance / Loans | 1.57% | 1.53% | 1.69% | 1.76% | 2.02% | 1.68% | 1.74% | 1.63% | -13 bps | |
| Allowance Coverage of NPLs | 2.1x | 2.8x | 1.5x | 1.6x | 1.8x | 1.6x | 1.0x | 1.0x | -0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.18% | 11.66% | 15.88% | 15.05% | 14.91% | 14.23% | 13.16% | 12.91% | -214 bps | |
| Total Risk-Based Capital | 13.18% | 11.66% | 15.88% | 15.05% | 14.91% | 14.23% | 13.16% | 12.91% | -214 bps | |
| Equity / Assets | 11.80% | 11.39% | 15.36% | 15.34% | 12.84% | 13.84% | 13.45% | 12.25% | -308 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.18% | 85.91% | 92.35% | 93.23% | 81.78% | 92.13% | 99.39% | 90.62% | -261 bps | |
| Liquid Assets / Assets | 15.69% | 19.87% | 16.87% | 17.71% | 25.52% | 16.44% | 12.21% | 15.95% | -176 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 481% | 509% | 519% | n/a | n/a | |
Fort Lauderdale, FL · Cert 59278 · Peer group: banks under $1B in assets (n=581-629)
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets
0.27%
Rank 553 of 629
Net Interest Margin
3.87%
Rank 206 of 629
Efficiency Ratio
79.79%
Rank 481 of 629
Equity / Assets
12.25%
Rank 215 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.27% | 0.60% | 1.01% | 1.45% | Beats 12% | 553 / 629 | ||
| Return on Equity | 2.23% | 5.38% | 9.30% | 13.28% | Beats 13% | 549 / 629 | ||
| Net Interest Margin | 3.87% | 3.03% | 3.54% | 4.05% | Beats 67% | 206 / 629 | ||
| Efficiency Ratio | 79.79% | 58.35% | 67.79% | 79.08% | Beats 24% | 481 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.55% | 0.09% | 0.46% | 1.20% | Beats 18% | 478 / 581 | ||
| Net Charge-Offs / Loans | 0.06% | n/a | 0.01% | 0.06% | Beats 26% | 431 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.91% | 11.24% | 13.84% | 18.77% | Beats 42% | 363 / 629 | ||
| Total Risk-Based Capital Ratio | 12.91% | 11.58% | 14.43% | 19.66% | Beats 38% | 393 / 629 | ||
| Equity / Assets | 12.25% | 9.09% | 10.65% | 13.80% | Beats 66% | 215 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 90.62% | 67.24% | 80.90% | 93.48% | 71st pctl | 175 / 594 | ||
| Loans / Assets | 79.13% | 53.31% | 67.71% | 78.15% | 79th pctl | 131 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||