BankFlorida: how it compares with its peers
Against 31 FL banks with half to twice its assets, BankFlorida's strongest measure in Q2 2026 is efficiency ratio (54.76% vs. a 69.32% peer median). Its weakest relative measure is assets per employee ($8.7M vs. $7.9M).
| Measure | BankFlorida | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.25% | 0.85% | Top third Ahead of 71% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.14% | 3.82% | Top third Ahead of 71% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 54.76% | 69.32% | Top third Ahead of 87% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.7M | $7.9M | Top third Ahead of 68% of peers |
| Loans to deposits Net loans and leases over total deposits. | 87.76% | 75.46% | Context |
What it means for lending operations
Its efficiency ratio of 54.76% is better than the 69.32% 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
- Edison National Bank Fort Myers, FL · $454M
- Paradise Bank Boca Raton, FL · $415M
- Waterfall Bank Clearwater, FL · $410M
- Locality Bank Fort Lauderdale, FL · $396M
- Central Bank Tampa, FL · $387M
- TCM Bank, National Association Tampa, FL · $382M
Questions about BankFlorida
How big is BankFlorida?
BankFlorida, established in 2007, is headquartered in Dade City, FL. It reported $460M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is BankFlorida's return on assets?
1.25% annualized in Q2 2026, against a 0.85% median for 31 FL banks with half to twice its assets, ahead of 71% of them.
What is BankFlorida's efficiency ratio?
54.76% in Q2 2026: it spent about 55 cents in noninterest expense for each dollar of revenue. The peer median is 69.32%, and lower is better.
Is BankFlorida growing its loans?
Net loans grew 15.5% over the year to Q2 2026, while deposits grew 11.2%.
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.