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 | |