SANTA ROSA COUNTY
CUMILTON, FL
Total Assets
$221M
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Total Loans
$88M
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SANTA ROSA COUNTY in FL reported a Texas Ratio of 3.4% in Q1 2026, declining -0.7pp from the prior quarter. Nonperforming assets totaled 1.14%, down -0.26pp sequentially.
Portfolio composition
| Category | Balance | % of total | NPL % | Charge-off % |
|---|---|---|---|---|
| 1-4 family — 1st lien | $16M | 17.9% | — | — |
| 1-4 family — junior lien | $3M | 3.0% | — | — |
| Multifamily | $0 | 0.0% | — | — |
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| FOUNDATION Consumer Other Unsecured — Unlock to view | ||||
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20-quarter trend panels
See how Texas Ratio, NPL %, and charge-offs evolved across the last 5 years.
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Peer cohort comparison
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Full portfolio composition
Every loan category, NPL ratio, and charge-off rate — beyond the top 3.