Members Trust Company: how it compares with its peers
Against 297 U.S. banks with half to twice its assets, Members Trust Company's strongest measure in Q2 2026 is net interest margin (3.86% vs. a 3.87% peer median). Its weakest relative measure is assets per employee ($623K vs. $5.6M).
| Measure | Members Trust Company | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | -1.07% | 0.95% | Bottom third Ahead of 8% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.86% | 3.87% | Middle third Ahead of 49% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 101.01% | 72.81% | Bottom third Ahead of 15% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $623K | $5.6M | Bottom third Ahead of 2% of peers |
| Loans to deposits Net loans and leases over total deposits. | 0.00% | 62.24% | Context |
What it means for lending operations
Its efficiency ratio of 101.01% is above the 72.81% 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 American Bank Stonewall, OK · $34M
- The First National Bank of Proctor Proctor, MN · $34M
- The First State Bank of Dongola Dongola, IL · $35M
- First Summit Bank Ryan, OK · $34M
Questions about Members Trust Company
How big is Members Trust Company?
Members Trust Company, established in 2003, is headquartered in Tampa, FL. It reported $34M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Members Trust Company's return on assets?
-1.07% annualized in Q2 2026, against a 0.95% median for 297 U.S. banks with half to twice its assets, ahead of 8% of them.
What is Members Trust Company's efficiency ratio?
101.01% in Q2 2026: it spent about 101 cents in noninterest expense for each dollar of revenue. The peer median is 72.81%, and lower is better.
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 U.S. 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.