Fort Myers, FL · Cert 59281
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
100
Profitability
33
Liquidity
21
Efficiency
17
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 Myers, FL · Cert 59281
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Cape Coral-Fort Myers, FL · 2026 SOD (annual) · 0.8% share · #24 of 34 inst. · $0.2B of $21.1B
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 | -2.65% | -2.31% | -1.61% | -1.09% | -0.67% | 0.65% | 0.55% | 0.37% | +147 bps | |
| Return on Equity | -13.77% | -12.69% | -11.87% | -8.07% | -4.80% | 4.61% | 4.04% | 2.74% | +1,080 bps | |
| Net Interest Margin | 3.87% | 3.72% | 3.87% | 3.85% | 3.77% | 3.63% | 4.22% | 3.88% | +3 bps | |
| Efficiency Ratio | 148.29% | 140.53% | 123.67% | 110.11% | 102.89% | 103.05% | 82.25% | 85.88% | -2,423 bps | |
| Non-Interest Burden | 5.80% | 5.27% | 4.86% | 4.26% | 3.89% | 3.71% | 3.38% | 3.27% | -99 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 31.75% | 33.68% | 50.51% | 60.98% | 50.74% | 62.20% | 47.47% | 25.94% | -3,504 bps | |
| Loan Growth (YoY) | 60.00% | 77.16% | 60.10% | 73.64% | 74.69% | 71.65% | 49.14% | 31.19% | -4,245 bps | |
| Deposit Growth (YoY) | 45.37% | 47.51% | 66.44% | 71.91% | 53.86% | 64.17% | 46.77% | 26.27% | -4,564 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 2.66% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.00% | 0.00% | 0.00% | 0.01% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.30% | 1.30% | 1.30% | 1.30% | 1.30% | 1.30% | 1.31% | 1.30% | 0 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | 0.5x | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 17.36% | 15.85% | 13.46% | 15.02% | 15.73% | 15.04% | 13.22% | 12.53% | -249 bps | |
| Total Risk-Based Capital | 17.36% | 15.85% | 13.46% | 15.02% | 15.73% | 15.04% | 13.22% | 12.53% | -249 bps | |
| Equity / Assets | 16.49% | 14.71% | 12.53% | 13.64% | 15.26% | 13.96% | 13.29% | 13.73% | +9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.14% | 92.73% | 89.68% | 94.87% | 100.07% | 96.96% | 91.12% | 98.57% | +370 bps | |
| Liquid Assets / Assets | 15.69% | 11.14% | 13.36% | 10.83% | 10.14% | 11.30% | 14.99% | 8.79% | -204 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 417% | 474% | 473% | n/a | n/a | |
Fort Myers, FL · Cert 59281 · Peer group: banks under $1B in assets (n=581-629)
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets
0.37%
Rank 533 of 629
Net Interest Margin
3.88%
Rank 202 of 629
Efficiency Ratio
85.88%
Rank 521 of 629
Equity / Assets
13.73%
Rank 162 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.37% | 0.60% | 1.01% | 1.45% | Beats 15% | 533 / 629 | ||
| Return on Equity | 2.72% | 5.38% | 9.30% | 13.28% | Beats 15% | 536 / 629 | ||
| Net Interest Margin | 3.88% | 3.03% | 3.54% | 4.05% | Beats 68% | 202 / 629 | ||
| Efficiency Ratio | 85.88% | 58.35% | 67.79% | 79.08% | Beats 17% | 521 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.46% | 1.20% | Beats 100% | 81 / 581 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.53% | 11.24% | 13.84% | 18.77% | Beats 39% | 386 / 629 | ||
| Total Risk-Based Capital Ratio | 12.53% | 11.58% | 14.43% | 19.66% | Beats 34% | 418 / 629 | ||
| Equity / Assets | 13.73% | 9.09% | 10.65% | 13.80% | Beats 74% | 162 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 98.57% | 67.24% | 80.90% | 93.48% | 84th pctl | 97 / 594 | ||
| Loans / Assets | 84.69% | 53.31% | 67.71% | 78.15% | 92nd pctl | 52 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||