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First Colony Bank of Florida

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

Maitland, FL

2664 banks in the $100M-$1B peer group nationally 43 in FL
View $100M-$1B leaderboard (FL) →

First Colony Bank of Florida has 4 strengths but faces 2 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

  • + Non-Interest-Bearing Deposit Share 15.79% above tier average
  • + ROA 0.68% above tier average
  • + Efficiency Ratio 17.19% below tier average
  • + Delinquency Rate 0.71% below tier average

Key Concerns

Areas that may need attention

  • - Non-Interest Income / Assets 0.25% below tier average
  • - Net Interest Margin 0.23% below tier average
Get updates when First Colony Bank of Florida releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Total Assets ? $307.0M
+4.1% YoY +7.1% QoQ
-$79.0M $386.1M
+0.5% YoY
$4.3B
+10.8% YoY
$6.2B
+9.1% YoY
47%
Total Loans ? $197.9M
-0.5% YoY +5.4% QoQ
-$57.8M $255.7M
+1.1% YoY
$3.0B
+12.4% YoY
$3.2B
+10.8% YoY
48%
Total Deposits ? $279.7M
+4.2% YoY +8.0% QoQ
-$48.3M $328.0M
+0.1% YoY
$3.6B
+11.7% YoY
$4.8B
+8.2% YoY
51%
Return on Assets ? 1.95%
+5.6% YoY -0.1% QoQ
+0.68% 1.27%
+12.9% YoY
0.83%
+61.5% YoY
1.23%
+13.4% YoY
Top 13.6% in tier
Net Interest Margin ? 3.70%
+0.3% YoY -2.0% QoQ
-0.23% 3.93%
+6.0% YoY
3.75%
+4.2% YoY
3.89%
+5.7% YoY
41%
Efficiency Ratio ? 48.10%
-1.5% YoY +2.2% QoQ
-17.19% 65.29%
-4.5% YoY
71.93%
-25.2% YoY
66.95%
-4.1% YoY
Top 12.5% in tier
Delinquency Rate ? 0.18%
-63.3% YoY -5.2% QoQ
-0.71% 0.89%
+18.8% YoY
0.63%
-5.7% YoY
0.95%
+18.8% YoY
67%
Loan-to-Deposit Ratio ? 70.77%
-4.5% YoY -2.4% QoQ
-5.87% 76.64%
+0.8% YoY
73.79%
+1.2% YoY
76.70%
+0.9% YoY
65%
Non-Interest-Bearing Deposit Share ? 37.81%
+6.2% YoY +26.3% QoQ
+15.79% 22.02%
-1.0% YoY
27.22%
-2.5% YoY
22.01%
-1.2% YoY
Top 6.7% in tier
Nonperforming Asset Ratio ? 0.11%
-64.9% YoY -6.7% QoQ
-0.52% 0.64%
+19.7% YoY
0.43%
-5.1% YoY
0.67%
+19.3% YoY
69%
Tier 1 Capital Ratio ? 12.89%
+7.4% YoY -4.6% QoQ
-2.94% 15.83%
+1.5% YoY
16.64%
-24.7% YoY
17.06%
+0.8% YoY
46%
Non-Interest Income / Assets ? 0.03%
-10.1% YoY -75.4% QoQ
-0.25% 0.28%
+9.3% YoY
0.50%
+7.6% YoY
0.32%
+4.1% YoY
Bottom 7.5% in tier

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 (0)

No matched concern signatures this quarter

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 2664 peers in $100M-$1B

Top Strengths (3 metrics)

179
Non-Interest-Bearing Deposit Share
funding
Value: 37.81%
Peer Median: 22.02%
#179 of 2664 Top 6.7% in $100M-$1B
335
Efficiency Ratio
profitability
Value: 48.10%
Peer Median: 65.29%
#335 of 2664 Top 12.5% in $100M-$1B
362
Return on Assets
profitability
Value: 1.95%
Peer Median: 1.27%
#362 of 2664 Top 13.6% in $100M-$1B

Top Weaknesses (1 metrics)

2466
Non-Interest Income / Assets
revenue_mix
Value: 0.03%
Peer Median: 0.28%
#2466 of 2664 Bottom 7.5% in $100M-$1B
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