Fort Lauderdale, FL · Cert 59306
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Miami-Fort Lauderdale-West Palm Beach, FL · 2026 SOD (annual) · 0.1% share · #55 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 | 0.83% | 0.71% | 0.67% | 0.47% | 0.70% | -14 bps | |
| Return on Equity | 4.71% | 4.24% | 4.14% | 3.54% | 5.20% | +49 bps | |
| Net Interest Margin | 3.39% | 3.26% | 3.11% | 3.28% | 3.40% | +1 bps | |
| Efficiency Ratio | 77.20% | 74.22% | 73.79% | 67.08% | 62.02% | -1,519 bps | |
| Non-Interest Burden | 2.58% | 2.39% | 2.27% | 2.16% | 2.05% | -53 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 45.11% | 46.23% | 49.82% | 46.11% | 29.87% | -1,524 bps | |
| Loan Growth (YoY) | 96.40% | 84.78% | 58.18% | 42.22% | 31.34% | -6,506 bps | |
| Deposit Growth (YoY) | 44.47% | 57.77% | 61.21% | 55.22% | 33.09% | -1,138 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.02% | 1.10% | 1.11% | 1.12% | 1.14% | +12 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 17.05% | 15.40% | 14.31% | 13.50% | 13.52% | -353 bps | |
| Total Risk-Based Capital | 20.53% | 19.99% | 19.58% | 17.65% | 16.83% | -370 bps | |
| Equity / Assets | 16.15% | 14.72% | 13.75% | 13.10% | 13.25% | -290 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 100.98% | 94.10% | 88.13% | 92.13% | 99.65% | -133 bps | |
| Liquid Assets / Assets | 11.61% | 16.62% | 20.15% | 15.60% | 9.82% | -178 bps | |
| CRE / Total Capital | n/a | 341% | 339% | 386% | n/a | n/a | |