Terrabank, N.A.: Income and Expense
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Data as of · Call Report Schedule RI How we update
Terrabank, N.A. reported all 18 line items on this page on its Q3 2026 filing. Net income was $2.4M in Q3 2026, up 27.7% from $1.9M in Q3 2025.
What the income and expense page covers and where each line comes from.
Open the full profitability analysis: return on equity taken apart into each income statement line's share of average assets and the leverage on equity, what moved it since a year earlier, and peers measured the same way.
The standout move of Q3 2026 was in Net income: 42.2% higher than in Q2 2026, at $2.4M. Terrabank, N.A. ranks 49th of 81 Florida banks on return on assets, in the lower half at 0.99% (Q3 2026). The median for banks in the $100M-1B asset tier is 1.27% on return on assets. Terrabank, N.A. sits 0.28 points lower, at 0.99% (Q3 2026).
Net income
| Line item | Q3 2026 |
|---|---|
| Net income | $2.4M |
| Return on assets | 0.99% |
| Return on equity | 12.03% |
Source: Call Report Schedule RI. Open the filed call report for Q3 2026 on the FFIEC CDR.
Interest income and expense
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $9.3M |
| Total interest expense | $2.4M |
| Interest expense on deposits | $2.4M |
| Net interest margin | 3.83% |
Source: Call Report Schedule RI. Open the filed call report for Q3 2026 on the FFIEC CDR.
Noninterest income and expense
| Line item | Q3 2026 |
|---|---|
| Total noninterest expense | $6.8M |
| Salaries and general administrative expense | $4.9M |
| Amortization of intangibles | $0 |
| Other noninterest expense | $1.9M |
| Efficiency ratio | 66.19% |
Source: Call Report Schedule RI. Open the filed call report for Q3 2026 on the FFIEC CDR.
Productivity
| Line item | Q3 2026 |
|---|---|
| Assets per employee | $7.4M |
| Revenue per employee | $314K |
| Full-time equivalent employees | 131 |
Source: Call Report Schedule RI. Open the filed call report for Q3 2026 on the FFIEC CDR.
Credit costs and securities results
| Line item | Q3 2026 |
|---|---|
| Provision for credit losses | $218K |
| Provision expense to average assets | 0.09% |
| Realized gain/(loss) on securities | $0 |
Source: Call Report Schedule RI. Open the filed call report for Q3 2026 on the FFIEC CDR.
Income and Expense trend
Income and Expense by quarter
| Quarter | Net income | Return on assets | Return on equity | Efficiency ratio |
|---|---|---|---|---|
| Q4 2023 | $862K | 0.43% | 7.69% | 79.08% |
| Q1 2024 | $644K | 0.32% | 5.28% | 83.17% |
| Q2 2024 | $823K | 0.41% | 6.59% | 79.35% |
| Q3 2024 | $1.2M | 0.59% | 8.95% | 76.45% |
| Q4 2024 | $1.4M | 0.71% | 9.99% | 71.03% |
| Q1 2025 | $1.6M | 0.80% | 10.51% | 71.54% |
| Q2 2025 | $1.7M | 0.80% | 10.06% | 68.89% |
| Q3 2025 | $1.9M | 0.88% | 10.50% | 67.90% |
| Q4 2025 | $2.6M | 1.20% | 13.77% | 62.56% |
| Q1 2026 | $1.4M | 0.67% | 7.61% | 73.95% |
| Q2 2026 | $1.7M | 0.76% | 8.62% | 72.93% |
| Q3 2026 | $2.4M | 0.99% | 12.03% | 66.19% |
Terrabank, N.A. income and expense, quarter by quarter
Income and Expense since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RI, Q3 2026. How these pages are built. See the full Terrabank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26442) · FFIEC NIC profile (RSSD 238737)