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The First National Bank of Mount Dora

$100M-$1B Specialty: Other FL FDIC cert 3579

Mount Dora, FL

3 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 -5.7% year over year ($317.6M on the books).
  • Delinquency rate 0.41%.
  • Return on assets 0.67%.
  • Efficiency ratio 84.73% vs a 64.48% peer average.
  • Loan-to-deposit ratio 43.27% 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) →

The First National Bank of Mount Dora has 3 strengths 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

  • + Revenue Diversifier: Top 18.9% in tier
  • + Non-Interest-Bearing Deposit Share 21.81% above tier average
  • + Delinquency Rate 0.51% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 1.0% in tier
  • - Credit Quality Pressure: Bottom 25.9% in tier
  • - Efficiency Drag: Bottom 35.7% in tier
  • - ROA 0.66% below tier average
  • - Net Interest Margin 0.70% below tier average
Get updates when The First National Bank of Mount Dora releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Total Assets ? $358.0M
-4.1% YoY +0.9% QoQ
-$28.5M $386.6M
+1.2% YoY
$4.3B
+7.0% YoY
$6.3B
+7.7% YoY
56%
Total Loans ? $137.4M
+1.4% YoY +2.0% QoQ
-$120.9M $258.3M
+1.7% YoY
$3.0B
+8.2% YoY
$3.2B
+9.4% YoY
31%
Total Deposits ? $317.6M
-5.7% YoY +0.6% QoQ
-$9.2M $326.7M
+0.7% YoY
$3.5B
+7.0% YoY
$4.9B
+7.3% YoY
58%
Return on Assets ? 0.67%
+3.6% YoY -22.7% QoQ
-0.66% 1.32%
+10.8% YoY
0.62%
-8.3% YoY
1.30%
+12.1% YoY
17%
Net Interest Margin ? 3.29%
+15.7% YoY +4.8% QoQ
-0.70% 3.99%
+5.0% YoY
3.70%
+0.5% YoY
3.95%
+4.9% YoY
19%
Efficiency Ratio ? 84.73%
-0.8% YoY +5.2% QoQ
+20.25% 64.48%
-3.2% YoY
199.20%
+161.3% YoY
70.05%
+2.5% YoY
Bottom 9.1% in tier
Delinquency Rate ? 0.41%
+27.9% YoY -29.2% QoQ
-0.51% 0.92%
+15.7% YoY
0.61%
-2.0% YoY
0.98%
+16.3% YoY
50%
Loan-to-Deposit Ratio ? 43.27%
+7.5% YoY +1.4% QoQ
-34.68% 77.95%
+1.0% YoY
72.91%
-1.7% YoY
79.03%
+2.3% YoY
Top 5.3% in tier
Non-Interest-Bearing Deposit Share ? 43.84%
+12.3% YoY -3.7% QoQ
+21.81% 22.03%
-0.6% YoY
27.35%
-2.5% YoY
21.98%
-0.6% YoY
Top 3.0% in tier
Nonperforming Asset Ratio ? 0.16%
+35.2% YoY -28.5% QoQ
-0.51% 0.67%
+16.4% YoY
0.42%
-2.6% YoY
0.69%
+15.8% YoY
65%
Tier 1 Capital Ratio ? 12.31%
-20.8% YoY -30.8% QoQ
-3.60% 15.91%
+1.4% YoY
19.50%
+8.2% YoY
17.09%
+0.8% YoY
39%
Non-Interest Income / Assets ? 1.38%
+13.5% YoY +102.0% QoQ
+0.81% 0.57%
+7.6% YoY
1.02%
+6.4% YoY
0.66%
+5.2% YoY
Top 2.5% in tier

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 43.8%
+4.8pp YoY
-1.7pp QoQ
 +21.7pp 22.1% 27.7% 22.2% 97%
Brokered Deposits 0.2%
-2.7pp YoY
-1.3pp QoQ
 -7.6pp 7.9% 8.7% 8.5% 8%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
C&I 4.5%
+1.5pp YoY
0.0pp QoQ
 -7.1pp 11.6% 12.9% 12.5% 17%
CRE 39.6%
+0.2pp YoY
-0.4pp QoQ
 +0.1pp 39.5% 50.6% 41.4% 52%
1-4 Family 45.6%
-1.3pp YoY
+0.9pp QoQ
 +13.0pp 32.6% 30.7% 31.3% 78%
Consumer 5.4%
+0.1pp YoY
+0.2pp QoQ
 +1.3pp 4.1% 3.7% 5.0% 80%

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 12.3%
+0.7pp YoY
-0.1pp QoQ
 +0.1pp 12.2% 13.9% 12.6% 68%
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 86
+2 (+2.4%) YoY
+1 (+1.2%) QoQ
 +27 58 295 482 81%
Assets per Employee ($) $4.2M
-6.3% YoY
-0.3% QoQ
 -$3.4M $7.5M $10.3M $8.8M 6%
Branch Count 3
0 YoY
0 QoQ
 -2 4 13 18 26%

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%
+0.1pp YoY
-0.2pp QoQ
 -0.5pp 0.9% 0.7% 1.0% 48%
Allowance Coverage 3.76x
-20.6% YoY
+38.6% QoQ
 -20.40x 24.15x 16.62x 20.23x 64%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.2% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
ROE 6.5%
-0.8pp YoY
-2.0pp QoQ
 -5.7pp 12.2% 9.3% 11.6% 19%
Cost of Funds (YTD) 1.0%
-0.3pp YoY
0.0pp QoQ
 -0.7pp 1.7% 1.8% 1.7% 10%
Net Income ($, YTD) $1.2M
+1.7% YoY
— QoQ
 -$1.4M $2.6M $25.2M $40.4M 33%

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 (1)

Revenue Diversifier

growth
#126 of 661 • Top 18.9% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 1.38%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: 0.67%
(Tier: 1.32%, National: 1.30%)
but worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (3)

Credit Risk Growth

risk
#10 of 936 • Bottom 1.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk
#326 of 1256 • Bottom 25.9% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.41%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Efficiency Drag

risk
#130 of 361 • Bottom 35.7% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature
Efficiency Ratio: 84.73%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
361 of 361 Community banks match · 426 nationally
↓ Shrinking -64 banks QoQ | QoQ rank improving

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 (3 metrics)

66
Non-Interest Income / Assets
revenue_mix
Value: 1.38%
Peer Median: 0.57%
#66 of 2643 Top 2.5% in $100M-$1B
81
Non-Interest-Bearing Deposit Share
funding
Value: 43.84%
Peer Median: 22.03%
#81 of 2643 Top 3.0% in $100M-$1B
142
Loan-to-Deposit Ratio
liquidity
Value: 43.27%
Peer Median: 77.95%
#142 of 2643 Top 5.3% in $100M-$1B

Top Weaknesses (3 metrics)

2403
Efficiency Ratio
profitability
Value: 84.73%
Peer Median: 64.48%
#2403 of 2643 Bottom 9.1% in $100M-$1B
2184
Return on Assets
profitability
Value: 0.67%
Peer Median: 1.32%
#2184 of 2643 Bottom 17.4% in $100M-$1B
2136
Net Interest Margin
profitability
Value: 3.29%
Peer Median: 3.99%
#2136 of 2643 Bottom 19.2% in $100M-$1B
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