MainStreet Community Bank of Florida: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks MainStreet Community Bank of Florida of Deland, 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 | 1.21% | 1.35% | -0.14% | 46th below |
| ROAE | 14.04% | 12.05% | +1.99% | 60th above |
| Net Interest Margin | 3.84% | 3.90% | -0.06% | 45th below |
| Efficiency Ratio | 61.05% | 63.15% | -2.10% | 51st above |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.62% | 1.64% | -0.02% | 52nd above |
| Yield on Earning Assets | 5.54% | 5.65% | -0.11% | 47th below |
| Cost of Funds | 1.80% | 1.85% | -0.05% | 50th above |
| Net Interest Spread | 3.07% | 3.35% | -0.28% | 36th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.32% | 0.92% | +0.40% | 21st bottom |
| NPA / Total Assets | 1.29% | 0.67% | +0.62% | 14th bottom |
| NCO / Avg Loans | -0.02% | 0.15% | -0.17% | 91st top |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.22% | 1.28% | -0.06% | 52nd above |
| ACL / NPLs (Coverage) | 92.32% | 1645.80% | -1553.48% | 25th below |
| Texas Ratio | 13.26% | 7.15% | +6.11% | 15th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.45% | 12.46% | -3.01% | 20th bottom |
| Equity / Assets | 8.79% | 11.67% | -2.88% | 24th bottom |
| TCE / Tangible Assets | 8.58% | 11.40% | -2.82% | 24th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 84.87% | 78.64% | +6.23% | 40th below |
| Core Deposit Ratio | 94.07% | 87.09% | +6.98% | 80th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.69% | 6.47% | +1.22% | 74th above |
| Loan Growth (Y/Y) | 19.20% | 7.64% | +11.56% | 92nd top |
| Deposit Growth (Y/Y) | 6.67% | 6.02% | +0.65% | 69th above |
See MainStreet Community 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 MainStreet Community 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 MainStreet Community Bank of Florida profile, how to read a UBPR, or how this data updates.