| Metric | Flora Bank & Trust | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.1% | +4.4% | +2.8 pts |
| Deposit growth (YoY) | +6.0% | +4.0% | +2.0 pts |
| Loan growth (YoY) | +7.3% | +5.6% | +1.7 pts |
| ROA | 0.92% | 1.24% | -0.3 pts |
| ROE | 14.4% | 11.9% | +2.5 pts |
ROA ranks in the 31st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $126.0M | $117.2M | $62.1M | $8.1M | $569K | 0.92% | 2.95% | 0.13% |
| Q1 2026 | $124.8M | $116.5M | $64.1M | $7.8M | $257K | 0.84% | 2.90% | 0.12% |
| Q4 2025 | $119.8M | $111.6M | $63.0M | $7.8M | $590K | 0.50% | 2.49% | 0.09% |
| Q3 2025 | $118.3M | $110.2M | $58.2M | $7.5M | $432K | 0.49% | 2.39% | 0.11% |
| Q2 2025 | $117.6M | $110.6M | $57.9M | $6.4M | $252K | 0.43% | 2.34% | 0.08% |
| Q1 2025 | $115.4M | $108.6M | $58.9M | $6.4M | $111K | 0.38% | 2.32% | 0.07% |
| Q4 2024 | $117.7M | $111.1M | $62.2M | $6.2M | $136K | 0.12% | 1.83% | 0.07% |
| Q3 2024 | $119.2M | $111.8M | $60.2M | $6.9M | $55K | 0.06% | 1.77% | 0.07% |
Loan mix (Q2 2026): real estate $33.2M · commercial $11.0M · consumer $15.3M · securities $34.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Flora Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.92% | 1.24% | 31th | |
Return on equity Annualized net income ÷ equity or net worth | 14.4% | 11.9% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.95% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.6% | 62.9% | 49th |
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 | Flora Bank & Trust | 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 | Flora Bank & Trust | 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 | Flora Bank & Trust | 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 | Flora Bank & Trust | 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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