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First National Bank of Pasco

$100M-$1B Specialty: Commercial FL FDIC cert 26829

Dade City, FL

4 branches across FL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 44 in FL.
  • Deposits -12.0% year over year ($234.1M on the books).
  • Delinquency rate 0.37%.
  • Return on assets 0.37%.
  • Efficiency ratio 88.42% vs a 64.48% peer average.
  • Loan-to-deposit ratio 70.94% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 44 in FL
View $100M-$1B leaderboard (FL) →

First National Bank of Pasco has 1 strength but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.55% below tier average

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 1.3% in tier
  • - Capital Thin: Bottom 2.1% in tier
  • - Return on Assets 0.95% below tier average
  • - Efficiency Ratio 23.94% above tier average
  • - Net Interest Margin 0.21% below tier average
Get updates when First National Bank of Pasco releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Total Assets ? $280.0M
-9.7% YoY -2.2% QoQ
-$106.6M $386.6M
+1.2% YoY
$4.3B
+7.0% YoY
$6.3B
+7.7% YoY
42%
Total Loans ? $166.1M
-12.2% YoY -6.8% QoQ
-$92.3M $258.3M
+1.7% YoY
$3.0B
+8.2% YoY
$3.2B
+9.4% YoY
40%
Total Deposits ? $234.1M
-12.0% YoY -2.7% QoQ
-$92.6M $326.7M
+0.7% YoY
$3.5B
+7.0% YoY
$4.9B
+7.3% YoY
42%
Return on Assets ? 0.37%
+125.9% YoY +1.0% QoQ
-0.95% 1.32%
+10.8% YoY
0.62%
-8.3% YoY
1.30%
+12.1% YoY
Bottom 9.0% in tier
Net Interest Margin ? 3.77%
+4.8% YoY -1.3% QoQ
-0.21% 3.99%
+5.0% YoY
3.70%
+0.5% YoY
3.95%
+4.9% YoY
40%
Efficiency Ratio ? 88.42%
-7.2% YoY -0.3% QoQ
+23.94% 64.48%
-3.2% YoY
199.20%
+161.3% YoY
70.05%
+2.5% YoY
Bottom 6.8% in tier
Delinquency Rate ? 0.37%
-8.3% YoY +0.5% QoQ
-0.55% 0.92%
+15.7% YoY
0.61%
-2.0% YoY
0.98%
+16.3% YoY
53%
Loan-to-Deposit Ratio ? 70.94%
-0.2% YoY -4.2% QoQ
-7.01% 77.95%
+1.0% YoY
72.91%
-1.7% YoY
79.03%
+2.3% YoY
68%
Non-Interest-Bearing Deposit Share ? 27.32%
-28.5% YoY -32.6% QoQ
+5.29% 22.03%
-0.6% YoY
27.35%
-2.5% YoY
21.98%
-0.6% YoY
74%
Nonperforming Asset Ratio ? 0.22%
-10.8% YoY -4.2% QoQ
-0.45% 0.67%
+16.4% YoY
0.42%
-2.6% YoY
0.69%
+15.8% YoY
59%
Tier 1 Capital Ratio ? 10.23%
+11.8% YoY +1.9% QoQ
-5.68% 15.91%
+1.4% YoY
19.50%
+8.2% YoY
17.09%
+0.8% YoY
Bottom 13.3% in tier
Non-Interest Income / Assets ? 0.27%
-31.8% YoY +98.4% QoQ
-0.30% 0.57%
+7.6% YoY
1.02%
+6.4% YoY
0.66%
+5.2% YoY
66%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Noninterest-Bearing 27.3%
-10.9pp YoY
-13.2pp QoQ
 +5.2pp 22.1% 27.7% 22.2% 74%
Brokered Deposits 1.7%
+0.1pp QoQ
 -6.1pp 7.9% 8.7% 8.5% 27%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
C&I 28.8%
-3.6pp YoY
-1.3pp QoQ
 +17.2pp 11.6% 12.9% 12.5% 96%
CRE 48.0%
+1.9pp YoY
+1.2pp QoQ
 +8.4pp 39.5% 50.6% 41.4% 67%
1-4 Family 17.7%
+1.3pp YoY
+0.7pp QoQ
 -14.9pp 32.6% 30.7% 31.3% 25%
Consumer 7.3%
+0.1pp YoY
-0.5pp QoQ
 +3.2pp 4.1% 3.7% 5.0% 86%

Capital

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 19.8% 19.7% n/a
Leverage Ratio 10.2%
+1.1pp YoY
+0.2pp QoQ
 -1.9pp 12.2% 13.9% 12.6% 36%
Total Capital Ratio n/a n/a 19.9% 21.1% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Full-Time Employees 51
-2 (-3.8%) YoY
-1 (-1.9%) QoQ
 -8 58 295 482 54%
Assets per Employee ($) $5.5M
-6.2% YoY
-0.3% QoQ
 -$2.0M $7.5M $10.3M $8.8M 22%
Branch Count 4
0 YoY
0 QoQ
 -1 4 13 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.3% 0.4% n/a
Nonaccrual 0.4%
0.0pp YoY
0.0pp QoQ
 -0.6pp 0.9% 0.7% 1.0% 44%
Allowance Coverage 4.68x
+24.6% YoY
+6.7% QoQ
 -19.47x 24.15x 16.62x 20.23x 69%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.2% 0.2% 26%

Profitability

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
ROE 5.3%
+2.4pp YoY
0.0pp QoQ
 -6.9pp 12.2% 9.3% 11.6% 14%
Cost of Funds (YTD) 2.0%
-0.2pp YoY
+0.1pp QoQ
 +0.3pp 1.7% 1.8% 1.7% 72%
Net Income ($, YTD) $525,000
+105.1% YoY
— QoQ
 -$2.0M $2.6M $25.2M $40.4M 11%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Deposit Outflow

decline
#8 of 535 • Bottom 1.3% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank declining

Capital Thin

risk
#15 of 661 • Bottom 2.1% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.23%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (3 metrics)

2464
Efficiency Ratio
profitability
Value: 88.42%
Peer Median: 64.48%
#2464 of 2643 Bottom 6.8% in $100M-$1B
2405
Return on Assets
profitability
Value: 0.37%
Peer Median: 1.32%
#2405 of 2643 Bottom 9.0% in $100M-$1B
2293
Tier 1 Capital Ratio
capital
Value: 10.23%
Peer Median: 15.91%
#2293 of 2643 Bottom 13.3% in $100M-$1B
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