Edison National Bank
Total assets
$453.7M
▲ +11.1% YoY
Deposits
$399.0M
▲ +12.9% YoY
Loans
$147.6M
▲ +1.7% YoY
Offices
4
EDISON BANCSHARES INC
ROA (annualized)
0.61%
peers 1.24%
ROE (annualized)
7.36%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | Edison National Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.2% | +4.4% | +6.8 pts |
| Deposit growth (YoY) | +12.9% | +4.0% | +8.9 pts |
| Loan growth (YoY) | +1.7% | +5.6% | -3.8 pts |
| ROA | 0.61% | 1.24% | -0.6 pts |
| ROE | 7.4% | 11.9% | -4.5 pts |
ROA ranks in the 17th percentile of its peer group · Q2 2026
Profile
- Established
- 1997
- Charter
- OCC
- Primary regulator
- OCC
- Holding company
- EDISON BANCSHARES INC
- Specialization
- Other Specialized Under 1 Billion
- Address
- 13000 S Cleveland Ave, Fort Myers, FL, 33907
- County
- Lee
- Metro area
- Cape Coral-Fort Myers, FL
- Offices
- 4
- FDIC cert #
- 34489
- RSSD ID
- 2594419
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $453.7M | $399.0M | $147.6M | $39.6M | $1.4M | 0.61% | 3.04% | 0.00% |
| Q1 2026 | $476.9M | $422.1M | $146.9M | $38.1M | $746K | 0.66% | 2.99% | 0.00% |
| Q4 2025 | $426.9M | $376.0M | $150.8M | $35.4M | $3.0M | 0.71% | 3.25% | 0.00% |
| Q3 2025 | $408.0M | $356.9M | $147.3M | $34.9M | $2.4M | 0.75% | 3.29% | 0.00% |
| Q2 2025 | $408.2M | $353.6M | $145.1M | $35.3M | $1.7M | 0.79% | 3.30% | 0.00% |
| Q1 2025 | $441.4M | $386.1M | $154.1M | $35.5M | $643K | 0.59% | 3.25% | 0.00% |
| Q4 2024 | $426.5M | $375.5M | $154.8M | $34.1M | $5.4M | 1.24% | 3.66% | 0.00% |
| Q3 2024 | $414.5M | $362.2M | $153.0M | $34.6M | $4.6M | 1.41% | 3.75% | 0.00% |
Loan mix (Q2 2026): real estate $133.9M · commercial $11.3M · consumer $4.5M · securities $107.3M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Edison National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.61% | 1.24% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | 7.4% | 11.9% | 23th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.04% | 3.96% | 11th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.9% | 62.9% | 88th | |
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% |
Balance sheet
| Ratio | Edison National Bank | 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% |
Capital
| Ratio | Edison National Bank | 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% |
Credit quality
| Ratio | Edison National Bank | 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% |
Franchise
| Ratio | Edison National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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