Surety Bank: how it compares with its peers
Against 27 FL banks with half to twice its assets, Surety Bank's strongest measure in Q2 2026 is return on assets (2.06% vs. a 0.84% peer median). Its weakest relative measure is assets per employee ($5.8M vs. $7.9M).
| Measure | Surety Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.06% | 0.84% | Top third Ahead of 93% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.60% | 3.82% | Middle third Ahead of 44% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 61.41% | 71.42% | Top third Ahead of 78% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.8M | $7.9M | Bottom third Ahead of 33% of peers |
| Loans to deposits Net loans and leases over total deposits. | 53.46% | 75.46% | Context |
What it means for lending operations
Its efficiency ratio of 61.41% is better than the 71.42% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Madison County Community Bank Madison, FL · $212M
- Commerce Bank & Trust Winter Park, FL · $198M
- Gulf Coast Business Bank Fort Myers, FL · $187M
- Lafayette State Bank Mayo, FL · $252M
- Gulf Atlantic Bank Key West, FL · $253M
- The Warrington Bank Pensacola, FL · $174M
Questions about Surety Bank
How big is Surety Bank?
Surety Bank, established in 1926, is headquartered in Deland, FL. It reported $214M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Surety Bank's return on assets?
2.06% annualized in Q2 2026, against a 0.84% median for 27 FL banks with half to twice its assets, ahead of 93% of them.
What is Surety Bank's efficiency ratio?
61.41% in Q2 2026: it spent about 61 cents in noninterest expense for each dollar of revenue. The peer median is 71.42%, and lower is better.
Is Surety Bank growing its loans?
Net loans grew 20.1% over the year to Q2 2026, while deposits shrank 1.8%.
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.