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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.21% | -0.26% | 0.17% | 0.10% | 0.29% | +51 bps | |
| Return on Equity | -1.51% | -1.87% | 1.24% | 0.70% | 2.24% | +375 bps | |
| Net Interest Margin | 3.52% | 3.74% | 3.64% | 3.86% | 3.87% | +35 bps | |
| Efficiency Ratio | 90.03% | 86.36% | 82.74% | 82.78% | 79.79% | -1,025 bps | |
| Non-Interest Burden | 3.11% | 3.15% | 2.92% | 3.12% | 3.03% | -8 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 31.09% | 42.59% | 23.50% | 18.07% | 29.53% | -156 bps | |
| Loan Growth (YoY) | 39.18% | 28.71% | 31.05% | 23.93% | 34.73% | -445 bps | |
| Deposit Growth (YoY) | 25.07% | 38.78% | 22.20% | 15.14% | 38.61% | +1,354 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.11% | 1.10% | 1.07% | 1.74% | 1.55% | +44 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.12% | +12 bps | |
| Allowance / Loans | 1.76% | 2.02% | 1.68% | 1.74% | 1.63% | -13 bps | |
| Allowance Coverage of NPLs | 1.6x | 1.8x | 1.6x | 1.0x | 1.0x | -0.5x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 15.05% | 14.91% | 14.23% | 13.16% | 12.91% | -214 bps | |
| Total Risk-Based Capital | 15.05% | 14.91% | 14.23% | 13.16% | 12.91% | -214 bps | |
| Equity / Assets | 15.34% | 12.84% | 13.84% | 13.45% | 12.25% | -308 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 93.23% | 81.78% | 92.13% | 99.39% | 90.62% | -261 bps | |
| Liquid Assets / Assets | 17.71% | 25.52% | 16.44% | 12.21% | 15.95% | -176 bps | |
| CRE / Total Capital | n/a | 481% | 509% | 519% | n/a | n/a | |