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First Colony Bank of Florida

$100M-$1B Specialty: Commercial FL FDIC cert 58644

Maitland, 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 -4.6% year over year ($262.4M on the books).
  • Delinquency rate 0.18%.
  • Return on assets 2.07%.
  • Efficiency ratio 47.17% vs a 64.48% peer average.
  • Loan-to-deposit ratio 75.46% 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 Colony Bank of Florida has 3 strengths but faces 4 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

  • + Profitability Leader: Top 48.7% in tier
  • + Efficiency Ratio 17.31% below tier average
  • + Delinquency Rate 0.74% below tier average

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 5.6% in tier
  • - Credit Quality Pressure: Bottom 26.3% in tier
  • - Non-Interest Income / Assets 0.51% below tier average
  • - Net Interest Margin 0.11% below tier average
Get updates when First Colony Bank of Florida releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Total Assets ? $291.1M
-3.3% YoY -5.2% QoQ
-$95.4M $386.6M
+1.2% YoY
$4.3B
+7.0% YoY
$6.3B
+7.7% YoY
44%
Total Loans ? $198.0M
-2.1% YoY +0.0% QoQ
-$60.3M $258.3M
+1.7% YoY
$3.0B
+8.2% YoY
$3.2B
+9.4% YoY
47%
Total Deposits ? $262.4M
-4.6% YoY -6.2% QoQ
-$64.4M $326.7M
+0.7% YoY
$3.5B
+7.0% YoY
$4.9B
+7.3% YoY
47%
Return on Assets ? 2.07%
+9.9% YoY +6.1% QoQ
+0.75% 1.32%
+10.8% YoY
0.62%
-8.3% YoY
1.30%
+12.1% YoY
Top 11.8% in tier
Net Interest Margin ? 3.88%
+5.2% YoY +4.9% QoQ
-0.11% 3.99%
+5.0% YoY
3.70%
+0.5% YoY
3.95%
+4.9% YoY
47%
Efficiency Ratio ? 47.17%
-1.4% YoY -1.9% QoQ
-17.31% 64.48%
-3.2% YoY
199.20%
+161.3% YoY
70.05%
+2.5% YoY
Top 12.0% in tier
Delinquency Rate ? 0.18%
-0.0% QoQ
-0.74% 0.92%
+15.7% YoY
0.61%
-2.0% YoY
0.98%
+16.3% YoY
67%
Loan-to-Deposit Ratio ? 75.46%
+2.6% YoY +6.6% QoQ
-2.49% 77.95%
+1.0% YoY
72.91%
-1.7% YoY
79.03%
+2.3% YoY
59%
Non-Interest-Bearing Deposit Share ? 29.98%
-9.8% YoY -20.7% QoQ
+7.95% 22.03%
-0.6% YoY
27.35%
-2.5% YoY
21.98%
-0.6% YoY
82%
Nonperforming Asset Ratio ? 0.12%
+5.5% QoQ
-0.55% 0.67%
+16.4% YoY
0.42%
-2.6% YoY
0.69%
+15.8% YoY
69%
Tier 1 Capital Ratio ? 13.32%
+9.3% YoY +3.4% QoQ
-2.59% 15.91%
+1.4% YoY
19.50%
+8.2% YoY
17.09%
+0.8% YoY
51%
Non-Interest Income / Assets ? 0.06%
-1.7% YoY +106.1% QoQ
-0.51% 0.57%
+7.6% YoY
1.02%
+6.4% YoY
0.66%
+5.2% YoY
Bottom 7.3% 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 30.0%
-3.3pp YoY
-7.8pp QoQ
 +7.8pp 22.1% 27.7% 22.2% 82%
Brokered Deposits 20.9%
+5.2pp YoY
+4.0pp QoQ
 +13.0pp 7.9% 8.7% 8.5% 92%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
C&I 15.1%
-0.5pp YoY
-0.6pp QoQ
 +3.5pp 11.6% 12.9% 12.5% 76%
CRE 78.6%
+0.3pp YoY
-0.6pp QoQ
 +39.1pp 39.5% 50.6% 41.4% 97%
1-4 Family 7.9%
+1.6pp YoY
+1.4pp QoQ
 -24.7pp 32.6% 30.7% 31.3% 8%
Consumer 0.1%
-0.4pp YoY
0.0pp QoQ
 -4.0pp 4.1% 3.7% 5.0% 5%

Capital

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
CET1 Ratio 13.3%
+1.1pp YoY
+0.4pp QoQ
 -5.5pp 18.8% 19.8% 19.7% 32%
Leverage Ratio 9.9%
+0.5pp YoY
+0.1pp QoQ
 -2.2pp 12.2% 13.9% 12.6% 30%
Total Capital Ratio 14.6%
+1.1pp YoY
+0.4pp QoQ
 -5.4pp 19.9% 21.1% 20.8% 33%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Full-Time Employees 20
0 YoY
+1 (+5.3%) QoQ
 -39 58 295 482 11%
Assets per Employee ($) $14.6M
-3.3% YoY
-9.9% QoQ
 +$7.0M $7.5M $10.3M $8.8M 97%
Branch Count 1
0 YoY
0 QoQ
 -4 4 13 18 0%

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 0.2%
0.0pp QoQ
 -0.8pp 0.9% 0.7% 1.0% 28%
Allowance Coverage 9.31x
0.0% QoQ
 -14.84x 24.15x 16.62x 20.23x 81%
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 22.8%
-0.1pp YoY
+0.8pp QoQ
 +10.6pp 12.2% 9.3% 11.6% 94%
Cost of Funds (YTD) 1.6%
-0.1pp YoY
0.0pp QoQ
 -0.2pp 1.7% 1.8% 1.7% 40%
Net Income ($, YTD) $3.0M
+7.6% YoY
— QoQ
 +$495K $2.6M $25.2M $40.4M 70%

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)

Profitability Leader

growth
#323 of 661 • Top 48.7% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.07%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (2)

Deposit Outflow

decline
#31 of 535 • Bottom 5.6% 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

Credit Quality Pressure

risk
#332 of 1256 • Bottom 26.3% in tier

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

Why this signature
Delinquency Rate: 0.18%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

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)

312
Return on Assets
profitability
Value: 2.07%
Peer Median: 1.32%
#312 of 2643 Top 11.8% in $100M-$1B
317
Efficiency Ratio
profitability
Value: 47.17%
Peer Median: 64.48%
#317 of 2643 Top 12.0% in $100M-$1B
476
Non-Interest-Bearing Deposit Share
funding
Value: 29.98%
Peer Median: 22.03%
#476 of 2643 Top 18.0% in $100M-$1B

Top Weaknesses (1 metrics)

2451
Non-Interest Income / Assets
revenue_mix
Value: 0.06%
Peer Median: 0.57%
#2451 of 2643 Bottom 7.3% in $100M-$1B
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