Florida Capital Bank, National Association
Total assets
$713.1M
▲ +8.8% YoY
Deposits
$639.8M
▲ +9.2% YoY
Loans
$534.5M
▲ +5.7% YoY
Offices
5
FLORIDA CAPITAL GROUP INC
ROA (annualized)
0.98%
peers 1.28%
ROE (annualized)
9.86%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.8% | +4.9% | +3.9 pts |
| Deposit growth (YoY) | +9.2% | +4.3% | +4.9 pts |
| Loan growth (YoY) | +5.7% | +5.3% | +0.4 pts |
| ROA | 0.98% | 1.28% | -0.3 pts |
| ROE | 9.9% | 12.4% | -2.6 pts |
ROA ranks in the 30th percentile of its peer group · Q2 2026
Profile
- Established
- 1985
- Charter
- OCC
- Primary regulator
- OCC
- Holding company
- FLORIDA CAPITAL GROUP INC
- Specialization
- Commercial Lending Specialization
- Address
- 10151 Deerwood Park Blvd Bldg 100 Ste 200, Jacksonville, FL, 32256
- County
- Duval
- Metro area
- Jacksonville, FL
- Offices
- 5
- FDIC cert #
- 26323
- RSSD ID
- 188430
- 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 | $713.1M | $639.8M | $534.5M | $70.0M | $3.4M | 0.98% | 4.22% | 0.12% |
| Q1 2026 | $713.8M | $641.3M | $510.2M | $68.7M | $1.9M | 1.14% | 4.45% | 0.13% |
| Q4 2025 | $652.2M | $581.3M | $493.5M | $67.0M | $6.7M | 1.04% | 3.92% | 0.15% |
| Q3 2025 | $647.7M | $577.6M | $493.8M | $65.9M | $5.6M | 1.16% | 3.99% | 0.17% |
| Q2 2025 | $655.2M | $585.9M | $505.5M | $64.3M | $4.0M | 1.26% | 4.07% | 0.29% |
| Q1 2025 | $610.4M | $543.3M | $477.1M | $62.6M | $2.4M | 1.54% | 4.14% | 0.38% |
| Q4 2024 | $645.8M | $581.8M | $457.7M | $60.1M | $4.0M | 0.72% | 3.69% | 0.38% |
| Q3 2024 | $559.0M | $464.7M | $478.1M | $59.3M | $2.9M | 0.73% | 3.93% | 0.24% |
Loan mix (Q2 2026): real estate $470.9M · commercial $29.4M · consumer $0 · securities $34.2M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.98% | 1.28% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 9.9% | 12.4% | 32th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.22% | 3.89% | 69th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.4% | 61.2% | 83th | |
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 | Value | 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 | Value | 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 | Value | 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 | Value | 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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