Florida Capital Bank, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Florida Capital Bank, N.A. of Jacksonville, 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 | 0.79% | 1.34% | -0.55% | 22nd bottom |
| ROAE | 8.27% | 13.32% | -5.05% | 27th below |
| Net Interest Margin | 3.81% | 3.93% | -0.12% | 43rd below |
| Efficiency Ratio | 77.80% | 61.13% | +16.67% | 16th bottom |
| PPNR / Avg Assets | 1.05% | 1.68% | -0.63% | 23rd bottom |
| Yield on Earning Assets | 5.15% | 5.67% | -0.52% | 29th below |
| Cost of Funds | 1.39% | 1.88% | -0.49% | 75th top |
| Net Interest Spread | 1.80% | 3.32% | -1.52% | 3rd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.22% | 0.94% | -0.72% | 63rd above |
| NPA / Total Assets | 0.16% | 0.70% | -0.54% | 63rd above |
| NCO / Avg Loans | -0.00% | 0.16% | -0.16% | 78th top |
| ACL / Total Loans | 1.19% | 1.28% | -0.09% | 49th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 547.02% | 1539.42% | -992.40% | 73rd above |
| Texas Ratio | 1.54% | 7.34% | -5.80% | 67th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 15.04% | 19.51% | -4.47% | 49th below |
| Tier 1 Ratio | 15.04% | 19.54% | -4.50% | 49th below |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 16.29% | 20.63% | -4.34% | 50th above |
| Leverage Ratio | 9.77% | 12.14% | -2.37% | 26th below |
| Equity / Assets | 9.81% | 11.38% | -1.57% | 41st below |
| TCE / Tangible Assets | 9.81% | 11.09% | -1.28% | 46th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 84.54% | 80.63% | +3.91% | 42nd below |
| Core Deposit Ratio | 98.20% | 86.85% | +11.35% | 96th top |
| Wholesale Funding Ratio | 0.04% | 5.04% | -5.00% | 98th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.85% | 6.85% | +2.00% | 79th top |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.72% | 7.90% | -2.18% | 52nd above |
| Deposit Growth (Y/Y) | 9.21% | 6.29% | +2.92% | 80th top |
See Florida Capital Bank, N.A.'s peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Florida Capital Bank, N.A., 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 Florida Capital Bank, N.A. profile, how to read a UBPR, or how this data updates.