| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.1% | +5.5% | -2.3 pts |
| Deposit growth (YoY) | +2.3% | +5.1% | -2.8 pts |
| Loan growth (YoY) | +8.2% | +5.9% | +2.3 pts |
| ROA | 1.32% | 1.26% | +0.1 pts |
| ROE | 16.7% | 12.2% | +4.5 pts |
ROA ranks in the 56th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.25B | $1.14B | $834.1M | $99.7M | $8.1M | 1.32% | 3.74% | 0.14% |
| Q1 2026 | $1.25B | $1.15B | $837.0M | $96.0M | $4.0M | 1.30% | 3.76% | 0.14% |
| Q4 2025 | $1.20B | $1.10B | $812.4M | $96.8M | $15.5M | 1.29% | 3.72% | 0.00% |
| Q3 2025 | $1.24B | $1.14B | $787.9M | $92.0M | $11.8M | 1.31% | 3.69% | 0.00% |
| Q2 2025 | $1.21B | $1.11B | $770.7M | $87.0M | $7.8M | 1.32% | 3.73% | 0.00% |
| Q1 2025 | $1.20B | $1.10B | $775.8M | $82.7M | $3.8M | 1.31% | 3.78% | 0.00% |
| Q4 2024 | $1.15B | $1.06B | $746.3M | $78.9M | $12.5M | 1.12% | 3.53% | 0.00% |
| Q3 2024 | $1.12B | $1.03B | $756.7M | $80.3M | $9.2M | 1.11% | 3.48% | 0.00% |
Loan mix (Q2 2026): real estate $658.5M · commercial $136.1M · consumer $42.3M · securities $232.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Bank of Central Florida | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.32% | 1.26% | 56th | |
Return on equity Annualized net income ÷ equity or net worth | 16.7% | 12.2% | 81th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.74% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.4% | 59.0% | 41th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Bank of Central Florida | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Bank of Central Florida | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Bank of Central Florida | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Bank of Central Florida | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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