Grove Bank & Trust
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
$1.4BAssets
$865.8MLoans
$1.2BDeposits
$138.5MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 96% of banks $1B-$10B in assets (rank 14 of 322).
- Widest gap: net interest margin trails 95% of banks $1B-$10B in assets (rank 312 of 328).
- Overall: at or above the peer median on 4 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $22.5M · efficiency ratio beats 14% of banks $1B-$10B in assets | 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 |