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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Fort Myers, FL · FDIC certificate #34489
EDISON NATIONAL BANK is an FDIC-insured institution based in Fort Myers, FL (FDIC certificate #34489). In its Q3 2026 Call Report it reported total assets of $443M, total deposits of $390M and net loans of $157M. Its primary federal regulator is OCC.
Plain-language readout
EDISON NATIONAL BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $477M in Q1 2026 and were lowest at $443M in Q3 2026.
Total deposits were highest at $422M in Q1 2026 and lowest at $390M in Q3 2026.
Over the whole period total assets fell 7.0%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $443M | $390M | $157M | 0.63% | 7.50% | 3.06% |
| Q2 2026 | $454M | $399M | $148M | 0.61% | 7.36% | 3.04% |
| Q1 2026 | $477M | $422M | $147M | 0.66% | 8.12% | 2.99% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $182.9M | $219.0M | -$36.1M | -16.5% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $107.3M | $95.3M | +$12.1M | +12.7% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $147.6M | $146.9M | +$737K | +0.5% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $5.3M | $5.3M | -$39K | -0.7% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $10.7M | $10.5M | +$157K | +1.5% |
| Total assets | $453.7M | $476.9M | -$23.2M | -4.9% |
| Liabilities | ||||
| Total deposits | $399.0M | $422.1M | -$23.1M | -5.5% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $11.3M | $12.9M | -$1.6M | -12.5% |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $3.9M | $3.9M | +$9K | +0.2% |
| Total liabilities | $414.2M | $438.9M | -$24.7M | -5.6% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $300K | $300K | $0K | 0.0% |
| Surplus | $29.5M | $28.5M | +$1.0M | +3.5% |
| Retained earnings | $12.3M | $11.6M | +$639K | +5.5% |
| Accumulated other comprehensive income | -$2.5M | -$2.4M | -$109K | -4.6% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $39.6M | $38.1M | +$1.5M | +4.0% |
| Credit and capital | ||||
| Gross nonperforming assets | $0K | $0K | $0K | n/a |
| Adjusted nonperforming assets | $0K | $0K | $0K | n/a |
| Tangible equity plus allowance | $41.7M | $40.1M | +$1.5M | +3.8% |
| Texas ratio (gross) | 0.00% | 0.00% | 0.00 pts | See points |
| Texas ratio (adjusted) | 0.00% | 0.00% | 0.00 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.00% | 0.00% | 0.00 pts | See points |
| Tier 1 capital to risk-weighted assets | 29.49% | 28.22% | +1.27 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 29.49% | 28.22% | +1.27 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.25% | 1.25% | -0.00 pts | See points |
| Total risk-based capital to risk-weighted assets | 30.74% | 29.47% | +1.27 pts | See points |
| Tier 1 leverage (approximate) | 9.03% | 9.02% | +0.01 pts | See points |
| Construction and land loans to total capital | 12.21% | 19.73% | -7.52 pts | See points |
| Commercial real estate to total capital | 34.72% | 29.40% | +5.32 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -1.72% | -0.33% | -1.39 pts | See points |
| Liquidity | ||||
| Core deposits | $388.5M | $411.7M | -$23.2M | -5.6% |
| Non-core funding | $21.8M | $23.4M | -$1.6M | -6.7% |
| Loans to core deposits | 38.53% | 36.18% | +2.35 pts | See points |
| Loans to deposits | 37.51% | 35.28% | +2.23 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 43.66% | 42.24% | +1.42 pts | See points |
| Loans pledged, share of loans | 47.84% | 50.69% | -2.85 pts | See points |
| Volatile liabilities | $21.8M | $23.4M | -$1.6M | -6.7% |
| Earnings | ||||
| Earnings before provision, year to date | $1.2M | $546K | +$640K | +117.2% |
| Earnings before provision, single quarter | $640K | $546K | +$94K | +17.2% |
| Provision for credit losses, year to date | -$200K | -$200K | $0K | 0.0% |
| Yield and cost | ||||
| Yield on loans and leases | 5.21% | 5.10% | +0.11 pts | See points |
| Yield on interest-bearing balances due from banks | 3.90% | 3.90% | -0.01 pts | See points |
| Total interest income to average assets | 4.03% | 3.98% | +0.05 pts | See points |
| Cost of interest-bearing transaction accounts | 1.22% | 1.13% | +0.09 pts | See points |
| Cost of savings and money market deposits | 1.90% | 1.88% | +0.02 pts | See points |
| Cost of time deposits | 3.08% | 3.14% | -0.05 pts | See points |
| Total interest expense to average assets | 1.16% | 1.10% | +0.06 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $443M | $390M | $157M | 0.63% | 7.50% | 3.06% |
| 2026-06-30 | $454M | $399M | $148M | 0.61% | 7.36% | 3.04% |
| 2026-03-31 | $477M | $422M | $147M | 0.66% | 8.12% | 2.99% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| FL | $353.6M | 0.04% | 99 | Continuing · -0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.