| Metric | BankFlorida | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.8% | +4.4% | +8.4 pts |
| Deposit growth (YoY) | +11.2% | +4.0% | +7.3 pts |
| Loan growth (YoY) | +15.5% | +5.6% | +9.9 pts |
| ROA | 1.25% | 1.24% | +0.0 pts |
| ROE | 10.7% | 11.9% | -1.2 pts |
ROA ranks in the 51st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $459.5M | $388.9M | $341.3M | $54.9M | $2.8M | 1.25% | 4.14% | 0.00% |
| Q1 2026 | $438.8M | $366.9M | $337.0M | $55.7M | $1.4M | 1.26% | 4.16% | 0.00% |
| Q4 2025 | $429.6M | $369.6M | $330.4M | $44.3M | $3.1M | 0.78% | 3.74% | 0.00% |
| Q3 2025 | $400.9M | $341.6M | $306.1M | $43.2M | $2.1M | 0.70% | 3.67% | 0.00% |
| Q2 2025 | $407.6M | $349.6M | $295.6M | $42.2M | $1.2M | 0.62% | 3.56% | 0.00% |
| Q1 2025 | $401.3M | $344.6M | $285.6M | $41.4M | $479K | 0.50% | 3.50% | 0.00% |
| Q4 2024 | $369.3M | $303.4M | $285.7M | $40.6M | $-77K | -0.02% | 3.35% | 0.00% |
| Q3 2024 | $355.5M | $299.0M | $271.0M | $40.8M | $187K | 0.07% | 3.24% | 0.00% |
Loan mix (Q2 2026): real estate $307.5M · commercial $38.0M · consumer $0 · securities $0
| Ratio | BankFlorida | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.25% | 1.24% | 51th | |
Return on equity Annualized net income ÷ equity or net worth | 10.7% | 11.9% | 43th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.14% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.8% | 62.9% | 26th |
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 | BankFlorida | 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 | BankFlorida | 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 | BankFlorida | 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 | BankFlorida | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.