First National Bank of Pasco: how it compares with its peers
Against 28 FL banks with half to twice its assets, First National Bank of Pasco's strongest measure in Q2 2026 is net interest margin (3.77% vs. a 3.84% peer median). Its weakest relative measure is efficiency ratio (88.42% vs. 70.37%).
| Measure | First National Bank of Pasco | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.37% | 0.84% | Bottom third Ahead of 14% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.77% | 3.84% | Middle third Ahead of 46% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 88.42% | 70.37% | Bottom third Ahead of 11% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.5M | $8.0M | Bottom third Ahead of 21% of peers |
| Loans to deposits Net loans and leases over total deposits. | 70.94% | 75.59% | Context |
What it means for lending operations
Its efficiency ratio of 88.42% is above the 70.37% 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
- First Colony Bank of Florida Maitland, FL · $291M
- Community Bank of the South Merritt Island, FL · $266M
- Natbank, National Association Hollywood, FL · $297M
- DLP Bank Starke, FL · $301M
- Cypress Bank & Trust Melbourne, FL · $257M
- Gulf Atlantic Bank Key West, FL · $253M
Questions about First National Bank of Pasco
How big is First National Bank of Pasco?
First National Bank of Pasco, established in 1986, is headquartered in Dade City, FL. It reported $280M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is First National Bank of Pasco's return on assets?
0.37% annualized in Q2 2026, against a 0.84% median for 28 FL banks with half to twice its assets, ahead of 14% of them.
What is First National Bank of Pasco's efficiency ratio?
88.42% in Q2 2026: it spent about 88 cents in noninterest expense for each dollar of revenue. The peer median is 70.37%, and lower is better.
Is First National Bank of Pasco growing its loans?
Net loans shrank 12.2% over the year to Q2 2026, while deposits shrank 12.0%.
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.