The First National Bank of Mount Dora: how it compares with its peers
Against 29 FL banks with half to twice its assets, The First National Bank of Mount Dora's strongest measure in Q2 2026 is return on assets (0.67% vs. a 0.85% peer median). Its weakest relative measure is assets per employee ($4.2M vs. $8.0M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.67% | 0.85% | Bottom third Ahead of 31% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.29% | 3.86% | Bottom third Ahead of 14% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 84.73% | 71.42% | Bottom third Ahead of 17% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.2M | $8.0M | Bottom third Ahead of 3% of peers |
| Loans to deposits Net loans and leases over total deposits. | 43.27% | 76.65% | Context |
What it means for lending operations
Its efficiency ratio of 84.73% is above the 71.42% 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
- Interamerican Bank, A FSB Miami, FL · $356M
- Desjardins Bank, National Association Hallandale, FL · $362M
- Gulfside Bank Sarasota, FL · $345M
- TCM Bank, National Association Tampa, FL · $382M
- Central Bank Tampa, FL · $387M
- Locality Bank Fort Lauderdale, FL · $396M
Questions about The First National Bank of Mount Dora
How big is The First National Bank of Mount Dora?
The First National Bank of Mount Dora, established in 1925, is headquartered in Mount Dora, FL. It reported $358M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is The First National Bank of Mount Dora's return on assets?
0.67% annualized in Q2 2026, against a 0.85% median for 29 FL banks with half to twice its assets, ahead of 31% of them.
What is The First National Bank of Mount Dora's efficiency ratio?
84.73% in Q2 2026: it spent about 85 cents in noninterest expense for each dollar of revenue. The peer median is 71.42%, and lower is better.
Is The First National Bank of Mount Dora growing its loans?
Net loans grew 1.4% over the year to Q2 2026, while deposits shrank 5.7%.
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.