| Metric | The Bank of Tampa | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.6% | +5.5% | -4.9 pts |
| Deposit growth (YoY) | -0.6% | +5.1% | -5.7 pts |
| Loan growth (YoY) | +10.6% | +5.9% | +4.7 pts |
| ROA | 1.25% | 1.26% | -0.0 pts |
| ROE | 13.1% | 12.2% | +0.9 pts |
ROA ranks in the 49th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.02B | $2.71B | $2.05B | $295.2M | $18.8M | 1.25% | 3.64% | 0.20% |
| Q1 2026 | $3.07B | $2.76B | $1.94B | $285.0M | $9.2M | 1.22% | 3.60% | 0.20% |
| Q4 2025 | $2.93B | $2.62B | $1.91B | $282.9M | $35.8M | 1.19% | 3.66% | 0.12% |
| Q3 2025 | $3.06B | $2.77B | $1.88B | $272.1M | $26.9M | 1.19% | 3.62% | 0.13% |
| Q2 2025 | $3.01B | $2.73B | $1.85B | $256.1M | $17.6M | 1.17% | 3.48% | 0.13% |
| Q1 2025 | $3.02B | $2.75B | $1.82B | $250.7M | $8.3M | 1.11% | 3.39% | 0.10% |
| Q4 2024 | $2.98B | $2.71B | $1.75B | $241.7M | $32.5M | 1.08% | 3.42% | 0.10% |
| Q3 2024 | $3.00B | $2.73B | $1.74B | $249.0M | $23.5M | 1.04% | 3.36% | 0.16% |
Loan mix (Q2 2026): real estate $1.60B · commercial $388.1M · consumer $52.0M · securities $765.3M
| Ratio | The Bank of Tampa | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.25% | 1.26% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 13.1% | 12.2% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.64% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.0% | 59.0% | 45th |
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 | The Bank of Tampa | 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 | The Bank of Tampa | 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 | The Bank of Tampa | 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 | The Bank of Tampa | 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 | The Bank of Tampa | 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.
13 branches in 4 counties across 1 state (+0 vs 2024) · $2.73B branch deposits. Biggest market: Hillsborough, FL, ranked 9th with 4.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Hillsborough, FL | 8 | $2.37B | 4.35% | 9th |
| Pinellas, FL | 3 | $253.7M | 0.34% | 28th |
| Sarasota, FL | 1 | $58.2M | 0.29% | 35th |
| 1 more county with Pro → | ||||
Florida: 43rd with 0.28% · Tampa-St. Petersburg-Clearwater metro: 11th, 1.79% · North Port-Bradenton-Sarasota metro: 33rd, 0.30% ·
Branch count: 2022 12 · 2023 13 · 2024 13 · 2025 13