PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Florida West Coast

Brandon, FL · Charter 67337

NCUA · 6 branches

Q2 2026

$144.2MAssets
$73.9MLoans
$127.4MShares
$17.4MNet Worth

Executive Summary

  • Earnings: ROA of 0.79%, up 20 bps year over year; NIM at 3.31%.
  • Asset quality: problem loans at 0.25% of loans (+2 bps YoY).
  • Capital: net worth / assets of 12.03%, up 6 bps from a year ago.
  • Funding: loans stand at 57.96% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.79%+20 bps YoY

Net Interest Margin (YTD, annualized)

3.31%+18 bps YoY

Efficiency Ratio (YTD, annualized)

79.81%-471 bps YoY

Net Worth / Assets

12.03%+6 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.59%0.64%0.45%0.58%0.58%0.67%0.75%0.79%+20 bps
Return on Equity5.01%5.31%3.84%4.87%4.86%5.52%6.21%6.55%+168 bps
Net Interest Margin3.01%3.03%2.99%3.13%3.17%3.22%3.32%3.31%+18 bps
Efficiency Ratio80.92%80.58%85.72%84.52%82.48%80.72%80.75%79.81%-471 bps
Growth
Asset Growth (YoY)0.82%3.48%6.26%3.89%4.63%4.57%2.91%6.25%+236 bps
Loan Growth (YoY)6.53%4.82%6.81%5.18%8.49%11.24%7.64%7.21%+204 bps
Share Growth (YoY)-2.31%2.94%5.30%3.14%4.20%3.11%2.24%5.54%+241 bps
Asset Quality
Delinquent Loans / Loans0.25%0.20%0.18%0.23%0.46%0.32%0.38%0.25%+2 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.84%12.00%11.65%11.98%11.94%12.15%12.06%12.03%+6 bps
Net Worth / Assets11.84%12.00%11.65%11.98%11.94%12.15%12.06%12.03%+6 bps
Liquidity & Funding
Loans / Shares56.57%55.95%56.00%57.06%58.90%60.36%58.95%57.96%+90 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps