First Colony Bank of Florida: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Colony Bank of Florida of Maitland, FL against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.17% | 1.35% | +0.82% | 90th top |
| ROAE | 23.82% | 12.05% | +11.77% | 94th top |
| Net Interest Margin | 4.10% | 3.90% | +0.20% | 59th above |
| Efficiency Ratio | 44.72% | 63.16% | -18.44% | 90th top |
| PPNR / Avg Assets | 2.17% | 1.64% | +0.53% | 79th top |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.63% | 5.65% | -0.02% | 51st above |
| Cost of Funds | 1.30% | 1.85% | -0.55% | 80th top |
| Net Interest Spread | 3.11% | 3.35% | -0.24% | 39th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.17% | 0.92% | -0.75% | 66th above |
| NPA / Total Assets | 0.12% | 0.67% | -0.55% | 67th above |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 1.61% | 1.28% | +0.33% | 84th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 930.84% | 1645.44% | -714.60% | 82nd top |
| Texas Ratio | 1.13% | 7.15% | -6.02% | 71st above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.32% | 20.83% | -7.51% | 32nd below |
| Tier 1 Ratio | 13.32% | 20.87% | -7.55% | 31st below |
| Total Capital Ratio | 14.58% | 21.94% | -7.36% | 33rd below |
| Leverage Ratio | 9.94% | 12.46% | -2.52% | 30th below |
| Equity / Assets | 9.46% | 11.67% | -2.21% | 35th below |
| TCE / Tangible Assets | 9.46% | 11.40% | -1.94% | 39th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 76.70% | 78.64% | -1.94% | 58th above |
| Core Deposit Ratio | 73.90% | 87.10% | -13.20% | 8th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -3.32% | 6.48% | -9.80% | 7th bottom |
| Loan Growth (Y/Y) | -2.02% | 7.64% | -9.66% | 15th bottom |
| Deposit Growth (Y/Y) | -4.57% | 6.03% | -10.60% | 7th bottom |
See First Colony Bank of Florida's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Colony Bank of Florida, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First Colony Bank of Florida profile, how to read a UBPR, or how this data updates.