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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.23% | 1.33% | 1.20% | 1.40% | 1.38% | 1.48% | 1.38% | 1.59% | +19 bps | |
| Return on Equity | 11.35% | 12.41% | 11.69% | 13.54% | 12.91% | 13.99% | 13.38% | 15.16% | +162 bps | |
| Net Interest Margin | 3.53% | 3.55% | 3.36% | 3.56% | 3.60% | 3.62% | 3.59% | 3.72% | +15 bps | |
| Efficiency Ratio | 61.33% | 59.17% | 59.97% | 56.84% | 57.35% | 53.73% | 56.78% | 53.68% | -316 bps | |
| Non-Interest Burden | 1.86% | 1.76% | 1.71% | 1.66% | 1.74% | 1.55% | 1.70% | 1.60% | -7 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 | 0.02% | -0.03% | -0.02% | 0.03% | -0.02% | 0.01% | 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 | |