Bankflorida: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Loan-to-deposit ratio dropped 4.14 percentage points in Q2 2026, from 93.14% to 89.00%. It was the largest change from Q1 2026 among the key lines here. Bankflorida ranks 24th of 79 Florida banks on return on assets, in the upper half at 1.29% (Q2 2026). At 1.29%, Bankflorida's return on assets is close to the 1.26% median for banks in the $100M-1B asset tier (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.29% |
| Tier 1 risk-based capital ratio | 14.29% |
| Total risk-based capital ratio | 15.54% |
| Tier 1 leverage ratio | 12.58% |
| Equity capital to assets | 11.94% |
| Tangible equity to tangible assets | 11.94% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.40% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.29% |
| Return on equity | 10.09% |
| Net interest margin | 4.24% |
| Efficiency ratio | 53.55% |
| Yield on earning assets | 6.21% |
| Cost of funds | 2.12% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.00% |
| Core deposits to total deposits | 90.80% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 84.63% |
| Securities to assets | — |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.68% | 13.68% | 14.79% | 12.52% | 0.35% |
| Q4 2023 | 14.29% | 14.29% | 15.49% | 12.44% | 0.40% |
| Q1 2024 | 14.16% | 14.16% | 15.40% | 11.27% | 0.30% |
| Q2 2024 | 13.54% | 13.54% | 14.76% | 11.64% | 0.37% |
| Q3 2024 | 12.97% | 12.97% | 14.22% | 11.57% | -0.47% |
| Q4 2024 | 11.56% | 11.56% | 12.72% | 11.38% | -0.30% |
| Q1 2025 | 12.27% | 12.27% | 13.52% | 10.91% | 0.51% |
| Q2 2025 | 11.38% | 11.38% | 12.57% | 10.50% | 0.73% |
| Q3 2025 | 11.59% | 11.59% | 12.81% | 10.69% | 0.85% |
| Q4 2025 | 11.52% | 11.52% | 12.74% | 10.57% | 1.03% |
| Q1 2026 | 14.54% | 14.54% | 15.79% | 12.83% | 1.27% |
| Q2 2026 | 14.29% | 14.29% | 15.54% | 12.58% | 1.29% |
Bankflorida vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bankflorida, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bankflorida profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58537) · FFIEC NIC profile (RSSD 3629484)