Wauchula, FL · Cert 8021 · Crews Banking Corp.
State charter, non-member · FDIC · 20 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=313 to 319). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
24
Asset Quality
77
Profitability
69
Liquidity
0
Efficiency
66
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.
Wauchula, FL · Cert 8021 · Crews Banking Corp.
State charter, non-member · FDIC · 20 branches
Q2 2026
Market Position · Punta Gorda, FL · 2026 SOD (annual) · 14.8% share · #3 of 12 inst. · $0.8B of $5.6B
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.33% | 1.33% | 1.20% | 1.31% | 1.33% | 1.37% | 1.38% | 1.49% | +18 bps | |
| Return on Equity | 12.68% | 12.69% | 11.69% | 12.62% | 12.72% | 13.12% | 13.38% | 14.27% | +165 bps | |
| Net Interest Margin | 3.60% | 3.57% | 3.36% | 3.43% | 3.51% | 3.51% | 3.59% | 3.63% | +20 bps | |
| Efficiency Ratio | 59.05% | 59.08% | 59.97% | 58.34% | 58.00% | 56.89% | 56.78% | 55.18% | -316 bps | |
| Non-Interest Burden | 1.79% | 1.78% | 1.71% | 1.67% | 1.70% | 1.65% | 1.70% | 1.64% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.53% | 2.71% | 3.83% | 5.02% | 5.35% | 6.23% | 3.98% | 2.86% | -215 bps | |
| Loan Growth (YoY) | 5.33% | 5.45% | 3.94% | 5.64% | 5.15% | 4.65% | 6.90% | 6.40% | +76 bps | |
| Deposit Growth (YoY) | -2.49% | 2.67% | 3.88% | 5.24% | 5.50% | 6.22% | 4.03% | 2.75% | -249 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.03% | 0.02% | 0.07% | 0.09% | 0.04% | 0.07% | 0.04% | 0.06% | -3 bps | |
| Net Charge-Offs / Loans | -0.04% | -0.04% | -0.02% | 0.01% | 0.00% | 0.00% | 0.02% | 0.02% | +1 bps | |
| Allowance / Loans | 1.84% | 1.86% | 1.92% | 1.89% | 1.95% | 1.97% | 1.97% | 1.95% | +6 bps | |
| Allowance Coverage of NPLs | 61.9x | 78.6x | 27.3x | 21.3x | 52.7x | 28.0x | 46.5x | 33.3x | +12.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.88% | 10.56% | 10.45% | 10.49% | 10.80% | 10.55% | 10.55% | 10.69% | +20 bps | |
| Total Risk-Based Capital | 10.88% | 10.56% | 10.45% | 10.49% | 10.80% | 10.55% | 10.55% | 10.69% | +20 bps | |
| Equity / Assets | 11.00% | 10.38% | 10.21% | 10.49% | 10.84% | 10.33% | 10.32% | 10.66% | +17 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 63.52% | 62.54% | 60.18% | 62.18% | 63.31% | 61.62% | 61.84% | 64.38% | +221 bps | |
| Liquid Assets / Assets | 34.33% | 34.23% | 35.93% | 33.87% | 33.26% | 35.38% | 35.57% | 32.79% | -108 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 322% | 330% | 329% | n/a | n/a | |
Wauchula, FL · Cert 8021 · Peer group: banks $1B-$10B in assets (n=313-319) · Crews Banking Corp.
State charter, non-member · FDIC · 20 branches
Q2 2026
Return on Assets
1.49%
Rank 84 of 319
Net Interest Margin
3.63%
Rank 114 of 319
Efficiency Ratio
55.18%
Rank 109 of 319
Equity / Assets
10.66%
Rank 144 of 319
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.49% | 0.91% | 1.21% | 1.53% | Beats 74% | 84 / 319 | ||
| Return on Equity | 14.00% | 8.49% | 11.44% | 14.57% | Beats 70% | 96 / 319 | ||
| Net Interest Margin | 3.63% | 3.06% | 3.43% | 3.81% | Beats 64% | 114 / 319 | ||
| Efficiency Ratio | 55.18% | 51.90% | 59.57% | 67.64% | Beats 66% | 109 / 319 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.06% | 0.25% | 0.54% | 1.18% | Beats 91% | 29 / 313 | ||
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.04% | 0.12% | Beats 63% | 117 / 313 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.69% | 11.74% | 12.99% | 15.28% | Beats 10% | 287 / 319 | ||
| Total Risk-Based Capital Ratio | 10.69% | 12.61% | 14.01% | 16.23% | Beats 6% | 300 / 319 | ||
| Equity / Assets | 10.66% | 9.03% | 10.33% | 12.01% | Beats 55% | 144 / 319 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 64.38% | 76.76% | 88.16% | 95.43% | 9th pctl | 285 / 314 | ||
| Loans / Assets | 57.18% | 65.79% | 74.05% | 79.84% | 13th pctl | 277 / 319 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||