Ocala, FL · Cert 59358
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Ocala, FL · 2026 SOD (annual) · 0.3% share · #21 of 21 inst. · $0.0B of $7.6B
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 | -4.12% | -3.52% | -3.48% | -2.18% | -1.98% | +215 bps | |
| Return on Equity | -7.15% | -7.25% | -7.96% | -7.47% | -7.72% | -57 bps | |
| Net Interest Margin | 2.68% | 2.71% | 2.86% | 4.10% | 3.96% | +129 bps | |
| Efficiency Ratio | 254% | 216% | 209% | 164.04% | 157.30% | -9,625 bps | |
| Non-Interest Burden | 6.62% | 5.74% | 5.90% | 6.75% | 6.23% | -39 bps | |
| Growth | |||||||
| Asset Growth (YoY) | n/a | n/a | 197.97% | 78.64% | 93.66% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | 365% | 216% | n/a | |
| Deposit Growth (YoY) | n/a | n/a | n/a | 175.58% | 169.41% | n/a | |
| 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 | 0.99% | 0.79% | 0.85% | 0.85% | 0.70% | -29 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 47.25% | 34.27% | 30.13% | 26.48% | 22.07% | -2,518 bps | |
| Total Risk-Based Capital | 78.21% | 49.92% | 39.56% | 37.06% | 30.06% | -4,816 bps | |
| Equity / Assets | 42.89% | 32.42% | 31.00% | 27.48% | 20.44% | -2,244 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 53.42% | 62.32% | 68.88% | 64.50% | 62.60% | +918 bps | |
| Liquid Assets / Assets | 0.00% | 0.82% | 0.85% | 3.16% | 1.74% | +174 bps | |
| CRE / Total Capital | n/a | 77.02% | 84.57% | 90.73% | n/a | n/a | |