Grove Bank & Trust: 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.
The standout move of Q2 2026 was in Deposits to assets: 1.67 percentage points higher than in Q1 2026, at 85.31%. Grove Bank & Trust ranks 60th of 79 Florida banks on return on assets, in the lower half at 0.66% (Q2 2026). The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Grove Bank & Trust sits 0.62 points lower, at 0.66% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.22% |
| Tier 1 risk-based capital ratio | 15.22% |
| Total risk-based capital ratio | 16.47% |
| Tier 1 leverage ratio | 9.96% |
| Equity capital to assets | 9.80% |
| Tangible equity to tangible assets | 9.80% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.01% |
| Non-performing assets ratio | 0.01% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 0.06% |
| Allowance for credit losses to loans | 1.38% |
| Reserve coverage of non-performing loans | 13318.89% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.66% |
| Return on equity | 6.77% |
| Net interest margin | 2.63% |
| Efficiency ratio | 72.93% |
| Yield on earning assets | 4.72% |
| Cost of funds | 2.27% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 71.77% |
| Core deposits to total deposits | 97.28% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.31% |
| Securities to assets | 20.26% |
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 | 23.06% | 23.06% | 24.32% | 12.12% | 0.00% |
| Q4 2023 | 20.17% | 20.17% | 21.43% | 12.18% | -0.79% |
| Q1 2024 | 18.83% | 18.83% | 20.09% | 11.65% | -0.18% |
| Q2 2024 | 17.17% | 17.17% | 18.42% | 10.47% | 0.17% |
| Q3 2024 | 16.85% | 16.85% | 18.10% | 10.36% | 0.26% |
| Q4 2024 | 15.19% | 15.19% | 16.44% | 10.25% | 0.43% |
| Q1 2025 | 14.86% | 14.86% | 16.11% | 9.69% | 0.35% |
| Q2 2025 | 14.87% | 14.87% | 16.12% | 9.55% | 0.48% |
| Q3 2025 | 15.35% | 15.35% | 16.60% | 9.93% | 0.81% |
| Q4 2025 | 15.39% | 15.39% | 16.64% | 9.82% | 0.66% |
| Q1 2026 | 15.62% | 15.62% | 16.87% | 9.89% | 0.69% |
| Q2 2026 | 15.22% | 15.22% | 16.47% | 9.96% | 0.66% |
Grove Bank & Trust vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Grove Bank & Trust, 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 Grove Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8018) · FFIEC NIC profile (RSSD 648130)