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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southeast · Florida, the state note

One Florida Bank

Florida · $2.07B in assets · beside the 11 other Florida banks between $1B and $3B

The filing

0.98%
ROA
10th of 12
92.2%
Loans / deposits
9th of 12
62.5%
Efficiency
9th of 12

One Florida Bank is the fifth largest of the 12 Florida banks nearest its size between $1B and $3B, with $2.07B in assets at 30 June 2026. Loans are 92.2% of deposits, 9th of 12 against a median of 78.8%, and equity is 9.6% of assets, 5th of 12. Loans grew +7.0% in the year, 9th of 12, and deposits grew 5.2%; the cohort's median loan growth is +11.3%.

Noncurrent loans are 0.17% of the book, 6th of 12 against a median of 0.17%; 0.02% is 30 to 89 days past due, and the allowance covers them 4.7 times. Commercial real estate is 39.2% of loans, 5th of 12 against a median of 43.4%, and 298% of capital, below the 300% screen, with construction at 38% against the 100% screen.

Return on assets is 0.98%, 10th of 12 against a median of 1.24%, on an efficiency ratio of 62.5%, 9th of 12. Five years ago it was 0.72%. The question is which of these lines moves first over the next four quarters, and against which peer.

Return on assetsFL banks $1B to $3B · 30 June 2026 · higher is stronger, listed first
median 1.24% NB Newtek Bank National Association 4.14% CB Cogent Bank 2.19% CB Crews Bank & Trust 1.90% O Optimumbank 1.87% CB Citizens Bank & Trust 1.37% Bo Bank of Central Florida 1.29% IF International Finance Bank 1.19% CF Climate First Bank 1.19% PN Pacific National Bank 1.11% OF One Florida Bank 0.98% GB Grove Bank & Trust 0.67% PN Pibank National Association -0.43%
Loans, year over yearFL banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +11.3% NB Newtek Bank National Association +84.8% PN Pibank National Association +76.1% CF Climate First Bank +64.1% O Optimumbank +53.3% IF International Finance Bank +17.2% PN Pacific National Bank +11.3% GB Grove Bank & Trust +11.2% Bo Bank of Central Florida +8.3% OF One Florida Bank +7.0% CB Crews Bank & Trust +6.4% CB Citizens Bank & Trust +5.7% CB Cogent Bank +4.4%

SBA 7(a), FY2008 to FY2026

One Florida Bank is the 131st largest 7(a) lender into Florida of 528, with $27M across 24 loans, 0.1% of everything approved in the state (Live Oak Banking Company leads with $1.78B). 1 of its 7 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Florida, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Orange, FL$19M29th of 2010.9%-1.1 pts
Volusia, FL$3M57th of 1370.4%-0.2 pts
Osceola, FL$2M45th of 1150.6%-3.0 pts
Brevard, FL$2M69th of 1290.3%thin
Knox, TN$1M69th of 1240.2%thin
Seminole, FL$766K92nd of 1330.1%thin
Highlands, FL$765K24th of 381.3%quiet FY2022
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services6$8M26.9%0.01%667th of 2,596
Construction2$5M16.9%0.01%594th of 2,063
Manufacturing2$4M13.5%0.01%817th of 2,246
Other services4$4M12.6%0.01%669th of 2,248
Retail trade4$2M8.5%0.00%1080th of 2,589
7(a) lenders into Florida, share of approvals since FY2008528 lenders on record; the ten largest and One Florida Bank
LO Live Oak Banking Company 6.1% $1.78B · 1,383 loans TB Truist Bank 4.5% $1.31B · 2,609 loans WF Wells Fargo Bank National Associa… 4.3% $1.25B · 5,346 loans TB TD Bank, National Association 3.5% $1.03B · 6,653 loans TH The Huntington National Bank 3.3% $954M · 2,284 loans NB Newtek Bank, National Association 2.6% $757M · 1,920 loans NS Newtek Small Business Finance, In… 2.5% $728M · 1,047 loans SB Southstate Bank, National Associa… 2.4% $700M · 1,040 loans RL Readycap Lending, LLC 2.1% $615M · 1,593 loans PB Pinnacle Bank 2.1% $609M · 729 loans OF One Florida Bank 0.1% $27M · 24 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 2 CBLR filers; owner-occupied excluded; bold marks a screen met
One Florida BankRankCohort median
Total CRE against capital, the 300% screen298%9th of 12268%
Construction against capital, the 100% screen38%6th of 1238%
Construction and land development, share of loans5.0%6th of 125.1%
Non-owner-occupied nonfarm nonresidential, share of loans32.8%7th of 1231.8%
Total CRE, the guidance definition, share of loans39.2%5th of 1243.4%
CRE growth over 36 months, the third prong+38.5%4th of 12+72.4%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Newtek Bank National Association$2.47B4.1%38.7%7.19%1.33%2.6%92.4%8.3%
Cogent Bank$2.45B2.2%45.4%0.39%0.09%1.1%83.5%9.9%
Pibank National Association$2.37B-0.4%116.9%0.13%0.04%1.4%54.0%8.9%
Crews Bank & Trust$2.33B1.9%55.2%0.06%0.02%1.9%64.4%10.7%
One Florida Bank$2.07B1.0%62.5%0.17%0.08%0.8%92.2%9.6%
Climate First Bank$1.94B1.2%51.2%0.12%0.12%1.0%108.4%9.2%
International Finance Bank$1.62B1.2%53.1%0.30%0.00%1.2%91.6%8.2%
Pacific National Bank$1.61B1.1%55.3%0.01%0.05%0.7%73.5%10.7%
Citizens Bank & Trust$1.48B1.4%65.6%0.35%0.06%1.1%63.2%4.1%
Grove Bank & Trust$1.41B0.7%73.4%0.01%0.02%1.4%71.8%9.8%
Optimumbank$1.39B1.9%47.1%0.18%0.00%0.9%98.8%9.6%
Bank of Central Florida$1.25B1.3%56.4%0.21%0.00%1.1%74.1%8.0%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
One Florida BankCohort median
20212026Change20212026Change
Loans$749M$1.68B+124%$455M$1.27B+179%
Deposits$981M$1.82B+86%$752M$1.50B+100%
NPA / loans0.14%0.17%+0.03 pts0.13%0.17%+0.05 pts
Efficiency67.1%62.5%-4.7 pts66.7%55.2%-11.5 pts
ROA0.72%0.98%+0.25 pts0.83%1.24%+0.41 pts

This read was prepared for One Florida Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on One Florida Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort FL banks $1B to $3B

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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