One Florida Bank: Peer Group Comparison
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Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks One Florida Bank of Orlando, FL against its peer group of 895 similarly-sized US banks as of Q2 2026. The peer group is every US bank in the same asset tier (banks with $1B to $10B in assets). The credit quality page compares against a shorter list, the 10 nearest banks by size in the same tier, so its peer medians can differ from the ones here. For each metric the bank's value is shown next to the peer-group median and the bank's percentile within the group, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Best quarter means the bank is among the strongest 25% of its peers on that measure.
How to read the peer columns: Peer median is the middle bank of the peer group. The percentile is the share of the other banks in the group with a lower value, so a high percentile is good for return on assets and bad for the efficiency ratio. The tag says which it is: better half or worse half, with the best and worst quarters marked. Measures with no better direction, such as loans to deposits and growth, carry no tag.
Profitability
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| ROAA | 0.74% | 1.29% | -0.55% | 15th worst quarter |
| ROAE | 7.80% | 12.61% | -4.81% | 18th worst quarter |
| Net Interest Margin | 3.56% | 3.71% | -0.15% | 38th worse half |
| Efficiency Ratio | 73.79% | 58.32% | +15.47% | 86th worst quarter |
| PPNR / Avg Assets | 0.95% | 1.75% | -0.80% | 12th worst quarter |
| Yield on Earning Assets | 5.61% | 5.54% | +0.07% | 54th |
| Cost of Funds | 2.26% | 2.01% | +0.25% | 68th worse half |
| Net Interest Spread | 2.80% | 3.09% | -0.29% | 34th worse half |
Asset Quality
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| NPL / Total Loans | 0.17% | 0.52% | -0.35% | 19th best quarter |
| NPA / Total Assets | 0.14% | 0.41% | -0.27% | 20th best quarter |
| NCO / Avg Loans | 0.04% | 0.03% | +0.01% | 57th worse half |
| ACL / Total Loans | 0.79% | 1.15% | -0.36% | 13th |
| ACL / NPLs (Coverage) | 471.14% | 204.05% | +267.09% | 76th best quarter |
| Texas Ratio | 1.32% | 3.58% | -2.26% | 22nd best quarter |
| Provision / NCO | -32.79% | 173.21% | -206.00% | 7th |
| CRE / Total Capital | 298.44% | 223.76% | +74.68% | 80th worst quarter |
Capital Adequacy
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| CET1 Ratio | 10.99% | 13.52% | -2.53% | 10th worst quarter |
| Tier 1 Ratio | 10.99% | 13.55% | -2.56% | 9th worst quarter |
| Total Capital Ratio | 11.71% | 14.66% | -2.95% | 6th worst quarter |
| Leverage Ratio | 9.93% | 10.52% | -0.59% | 35th worse half |
| Equity / Assets | 9.64% | 10.38% | -0.74% | 35th worse half |
| TCE / Tangible Assets | 9.64% | 9.80% | -0.16% | 46th worse half |
Liquidity & Funding
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Loan / Deposit | 92.19% | 88.15% | +4.04% | 63rd |
| Core Deposit Ratio | 89.53% | 88.46% | +1.07% | 56th better half |
| Uninsured Deposit Ratio | 45.91% | 30.92% | +14.99% | 85th worst quarter |
| Borrowings / Total Assets | 1.69% | 3.92% | -2.23% | 27th better half |
Growth & Management
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.13% | 5.45% | +1.68% | 62nd |
| Loan Growth (Y/Y) | 7.05% | 5.90% | +1.15% | 57th |
| Deposit Growth (Y/Y) | 5.24% | 5.07% | +0.17% | 51st |
See One Florida Bank's peers by name
The 895 banks in this peer group, by name · build custom peer groups · percentile history · watchlist alerts
Unlock this bank, 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 One Florida Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the One Florida Bank peer analysis.