Climate First Bank: how it compares with its peers
Against 19 FL banks with half to twice its assets, Climate First Bank's strongest measure in Q2 2026 is net interest margin (3.87% vs. a 3.56% peer median). Its weakest relative measure is return on assets (1.22% vs. 1.32%).
| Measure | Climate First Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.22% | 1.32% | Middle third Ahead of 42% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.87% | 3.56% | Top third Ahead of 74% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 51.15% | 55.31% | Middle third Ahead of 63% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $12.0M | $10.3M | Top third Ahead of 74% of peers |
| Loans to deposits Net loans and leases over total deposits. | 107.23% | 74.47% | Context |
What it means for lending operations
Its efficiency ratio of 51.15% is better than the 55.31% 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
- International Finance Bank Miami, FL · $1.62B
- Pacific National Bank Miami, FL · $1.61B
- Crews Bank & Trust Wauchula, FL · $2.33B
- Pibank, National Association Miami, FL · $2.37B
- Citizens Bank and Trust Frostproof, FL · $1.48B
Questions about Climate First Bank
How big is Climate First Bank?
Climate First Bank, established in 2021, is headquartered in Saint Petersburg, FL. It reported $1.94B in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Climate First Bank's return on assets?
1.22% annualized in Q2 2026, against a 1.32% median for 19 FL banks with half to twice its assets, ahead of 42% of them.
What is Climate First Bank's efficiency ratio?
51.15% in Q2 2026: it spent about 51 cents in noninterest expense for each dollar of revenue. The peer median is 55.31%, and lower is better.
Is Climate First Bank growing its loans?
Net loans grew 64.2% over the year to Q2 2026, while deposits grew 53.8%.
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.