Bank Comparison
Pibank, N.A. vs One Florida Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 17
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Pibank, N.A. | One Florida Bank |
|---|---|---|
| CET1 Ratio | 12.72% | 10.70% |
| Tier 1 Capital Ratio | 17.26% | 10.70% |
| Total Capital Ratio | 18.52% | 11.42% |
| Tier 1 Leverage Ratio | 9.84% | 9.70% |
| Equity / Assets | 8.63% | 9.22% |
Profitability
| Metric | Pibank, N.A. | One Florida Bank |
|---|---|---|
| Return on Assets (ROA) | -0.47% | 1.21% |
| Return on Equity (ROE) | -5.38% | 13.21% |
| Net Interest Margin (NIM) | 1.81% | 3.44% |
| Yield on Earning Assets | 5.28% | 5.49% |
| Cost of Funds | 3.82% | 2.25% |
Asset quality
| Metric | Pibank, N.A. | One Florida Bank |
|---|---|---|
| Texas Ratio | 2.10% | 1.76% |
| Non-Performing Loan Ratio | 0.43% | 0.22% |
| Non-Performing Asset Ratio | 0.20% | 0.17% |
| Net Charge-Off Ratio | 0.10% | 0.11% |
| ACL / Loans | 1.50% | 0.80% |
Balance sheet
| Metric | Pibank, N.A. | One Florida Bank |
|---|---|---|
| Total Assets | $2,028M | $2,119M |
| Total Deposits | $1,808M | $1,872M |
| Total Loans | $932,907K | $1,683M |
| Total Equity | $175,184K | $195,338K |
| Net Income (quarter) | $-2,147 | $6,346K |
Liquidity & funding
| Metric | Pibank, N.A. | One Florida Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 51.59% | 89.89% |
| Core Deposit Ratio | 86.92% | 90.89% |
| Uninsured Deposit Ratio | 10.01% | 46.48% |
Identity
| Metric | Pibank, N.A. | One Florida Bank |
|---|---|---|
| Headquarters City | MIAMI | ORLANDO |
| Headquarters State | FL | FL |
| Asset Tier | 4: $1B-10B | 4: $1B-10B |
| Charter Class | 18283 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 2 | 6 |
| Employees (FTE) | 137 | 166 |
| Established | July 2, 1984, midnight | Oct. 29, 2008, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of March 31, 2026. The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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