| Metric | Flagship Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +15.5% | +4.9% | +10.6 pts |
| Deposit growth (YoY) | +11.5% | +4.3% | +7.2 pts |
| Loan growth (YoY) | +12.4% | +5.3% | +7.1 pts |
| ROA | 0.96% | 1.28% | -0.3 pts |
| ROE | 7.7% | 12.4% | -4.7 pts |
ROA ranks in the 28th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $802.8M | $670.4M | $623.9M | $97.8M | $3.7M | 0.96% | 3.42% | 0.01% |
| Q1 2026 | $761.7M | $660.9M | $579.5M | $95.8M | $1.7M | 0.93% | 3.38% | 0.11% |
| Q4 2025 | $738.7M | $602.1M | $575.9M | $94.1M | $7.1M | 1.02% | 3.58% | 0.10% |
| Q3 2025 | $712.5M | $599.8M | $561.7M | $92.1M | $5.1M | 1.00% | 3.58% | 0.11% |
| Q2 2025 | $694.8M | $601.2M | $555.0M | $90.1M | $3.2M | 0.95% | 3.52% | 0.00% |
| Q1 2025 | $692.8M | $602.1M | $530.7M | $86.5M | $1.6M | 0.98% | 3.42% | 0.00% |
| Q4 2024 | $652.3M | $558.3M | $520.1M | $84.8M | $5.6M | 0.86% | 3.43% | 0.00% |
| Q3 2024 | $659.5M | $567.7M | $511.8M | $83.2M | $4.0M | 0.83% | 3.37% | 0.01% |
Loan mix (Q2 2026): real estate $569.2M · commercial $58.2M · consumer $2.5M · securities $10.0M
| Ratio | Flagship Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.96% | 1.28% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 7.7% | 12.4% | 21st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.42% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.3% | 61.2% | 48th |
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 | Flagship 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% |
| Ratio | Flagship Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Flagship 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% |
| Ratio | Flagship 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% |
| Ratio | Flagship Bank | 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.
6 branches in 2 counties across 1 state (+0 vs 2024) · $601.2M branch deposits. Biggest market: Pinellas, FL, ranked 21st with 0.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Pinellas, FL | 5 | $539.7M | 0.72% | 21st |
| Pasco, FL | 1 | $61.5M | 0.49% | 24th |
Florida: 109th with 0.06% · Tampa-St. Petersburg-Clearwater metro: 30th, 0.41% ·
Branch count: 2022 6 · 2023 6 · 2024 6 · 2025 6