Miami, FL · Cert 8018 · Coconut Grove Bankshares Inc.
State charter, Fed member · FED · 5 branches
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 $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
62
Asset Quality
84
Profitability
11
Liquidity
30
Efficiency
14
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.
Miami, FL · Cert 8018 · Coconut Grove Bankshares Inc.
State charter, Fed member · FED · 5 branches
Q2 2026
Market Position · Miami-Fort Lauderdale-West Palm Beach, FL · 2026 SOD (annual) · 0.3% share · #40 of 86 inst. · $1.2B 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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.10% | 0.18% | 0.36% | 0.42% | 0.55% | 0.58% | 0.69% | 0.68% | +26 bps | |
| Return on Equity | 0.91% | 1.77% | 3.72% | 4.46% | 5.78% | 6.07% | 7.15% | 6.96% | +250 bps | |
| Net Interest Margin | 1.85% | 1.92% | 2.14% | 2.22% | 2.32% | 2.33% | 2.52% | 2.51% | +30 bps | |
| Efficiency Ratio | 97.85% | 93.73% | 81.18% | 78.88% | 77.10% | 76.37% | 73.52% | 73.40% | -547 bps | |
| Non-Interest Burden | 1.80% | 1.75% | 1.59% | 1.58% | 1.59% | 1.58% | 1.60% | 1.60% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.65% | 17.17% | 20.38% | 17.42% | 10.31% | 10.76% | 2.95% | -0.45% | -1,787 bps | |
| Loan Growth (YoY) | 44.70% | 37.41% | 37.41% | 28.70% | 27.65% | 17.86% | 11.27% | 11.23% | -1,746 bps | |
| Deposit Growth (YoY) | 13.12% | 19.53% | 29.98% | 29.70% | 20.57% | 20.77% | 4.16% | -0.59% | -3,029 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | +1 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.04% | 0.02% | +2 bps | |
| Allowance / Loans | 1.73% | 1.53% | 1.50% | 1.50% | 1.43% | 1.42% | 1.40% | 1.38% | -11 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 133.2x | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.36% | 10.25% | 9.69% | 9.55% | 9.93% | 9.82% | 9.89% | 9.96% | +41 bps | |
| Total Risk-Based Capital | 18.10% | 16.44% | 16.11% | 16.12% | 16.60% | 16.64% | 16.87% | 16.47% | +35 bps | |
| Equity / Assets | 10.12% | 10.10% | 9.23% | 9.00% | 9.68% | 9.80% | 9.64% | 9.80% | +80 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 65.18% | 73.03% | 65.90% | 64.14% | 69.00% | 71.28% | 70.40% | 71.77% | +763 bps | |
| Liquid Assets / Assets | 35.61% | 31.13% | 34.19% | 38.36% | 32.96% | 29.84% | 31.55% | 29.48% | -888 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 351% | 341% | 332% | n/a | n/a | |
Miami, FL · Cert 8018 · Peer group: banks $1B-$10B in assets (n=322-328) · Coconut Grove Bankshares Inc.
State charter, Fed member · FED · 5 branches
Q2 2026
Return on Assets
0.67%
Rank 287 of 328
Net Interest Margin
2.51%
Rank 312 of 328
Efficiency Ratio
73.40%
Rank 282 of 328
Equity / Assets
9.80%
Rank 197 of 328
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.67% | 0.91% | 1.22% | 1.52% | Beats 13% | 287 / 328 | ||
| Return on Equity | 6.83% | 8.43% | 11.45% | 14.43% | Beats 14% | 281 / 328 | ||
| Net Interest Margin | 2.51% | 3.03% | 3.45% | 3.83% | Beats 5% | 312 / 328 | ||
| Efficiency Ratio | 73.40% | 51.61% | 59.56% | 67.53% | Beats 14% | 282 / 328 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.01% | 0.24% | 0.51% | 1.03% | Beats 96% | 14 / 322 | ||
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.03% | 0.10% | Beats 72% | 92 / 322 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.22% | 11.75% | 13.15% | 15.47% | Beats 72% | 91 / 328 | ||
| Total Risk-Based Capital Ratio | 16.47% | 12.63% | 14.15% | 16.46% | Beats 75% | 81 / 328 | ||
| Equity / Assets | 9.80% | 9.15% | 10.33% | 12.01% | Beats 40% | 197 / 328 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 71.77% | 76.63% | 87.92% | 95.36% | 19th pctl | 263 / 323 | ||
| Loans / Assets | 61.23% | 65.18% | 74.15% | 79.98% | 20th pctl | 263 / 328 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||