Florida Capital Bank, National Association: how it compares with its peers
Against 28 FL banks with half to twice its assets, Florida Capital Bank, National Association's strongest measure in Q2 2026 is net interest margin (4.22% vs. a 3.67% peer median). Its weakest relative measure is assets per employee ($6.0M vs. $8.3M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.98% | 1.08% | Middle third Ahead of 43% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.22% | 3.67% | Top third Ahead of 79% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 74.39% | 62.83% | Bottom third Ahead of 29% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.0M | $8.3M | Bottom third Ahead of 14% of peers |
| Loans to deposits Net loans and leases over total deposits. | 83.53% | 76.60% | Context |
What it means for lending operations
Its efficiency ratio of 74.39% is above the 62.83% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Axiom Bank, National Association Maitland, FL · $732M
- FNBT BANK Fort Walton Beach, FL · $629M
- Flagship Bank Clearwater, FL · $803M
- Sunrise Bank Orlando, FL · $623M
- Anchor Bank Palm Beach Gardens, FL · $806M
- First Bank Clewiston, FL · $811M
Questions about Florida Capital Bank, National Association
How big is Florida Capital Bank, National Association?
Florida Capital Bank, National Association, established in 1985, is headquartered in Jacksonville, FL. It reported $713M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is Florida Capital Bank, National Association's return on assets?
0.98% annualized in Q2 2026, against a 1.08% median for 28 FL banks with half to twice its assets, ahead of 43% of them.
What is Florida Capital Bank, National Association's efficiency ratio?
74.39% in Q2 2026: it spent about 74 cents in noninterest expense for each dollar of revenue. The peer median is 62.83%, and lower is better.
Is Florida Capital Bank, National Association growing its loans?
Net loans grew 5.7% over the year to Q2 2026, while deposits grew 9.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are FL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Florida bank ranked.