BlastPoint's Banking Scorecard
The Warrington Bank
Micro
Specialty: Other
FL
FDIC cert 17193
Designations: ✓ Community bank
Pensacola, FL
2498
banks in Micro tier nationally
35 in FL
View Micro leaderboard (FL) →
The Warrington Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 39.56% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$172.8M
+3.7% YoY
+3.2% QoQ
|
-$44.7M |
$217.5M
+2.3% YoY
|
$4.1B
+13.2% YoY
|
$5.9B
+6.5% YoY
|
44% |
| Total Loans ? |
$50.4M
-8.2% YoY
-8.2% QoQ
|
-$88.8M |
$139.2M
+2.8% YoY
|
$2.9B
+14.7% YoY
|
$3.1B
+8.5% YoY
|
20% |
| Total Deposits ? |
$144.1M
+4.0% YoY
+3.7% QoQ
|
-$39.5M |
$183.7M
+1.8% YoY
|
$3.4B
+13.4% YoY
|
$4.7B
+6.3% YoY
|
44% |
| Return on Assets ? |
0.44%
+97.9% YoY
+8.8% QoQ
|
-0.64% |
1.08%
+14.7% YoY
|
1.01%
+12.7% YoY
|
1.12%
+15.6% YoY
|
16% |
| Net Interest Margin ? |
2.80%
+23.0% YoY
+1.4% QoQ
|
-1.06% |
3.85%
+6.6% YoY
|
3.69%
+4.1% YoY
|
3.75%
+7.1% YoY
|
Bottom 11% in tier |
| Efficiency Ratio ? |
79.53%
-9.4% YoY
-1.9% QoQ
|
+11.81% |
67.73%
-4.8% YoY
|
67.57%
-3.0% YoY
|
65.09%
-5.1% YoY
|
21% |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.34%
-31.5% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
34.97%
-11.7% YoY
-11.5% QoQ
|
-39.56% |
74.53%
+0.5% YoY
|
76.49%
+0.5% YoY
|
78.04%
+0.7% YoY
|
Bottom 4% in tier |
| Non-Interest-Bearing Deposit Share ? |
25.92%
+0.2% YoY
-5.9% QoQ
|
+3.53% |
22.39%
-1.3% YoY
|
27.37%
-1.6% YoY
|
21.79%
-1.3% YoY
|
66% |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.26%
-19.5% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
11.37%
-0.5% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.21%
-23.7% YoY
+35.3% QoQ
|
-0.35% |
0.56%
+0.3% YoY
|
0.85%
-7.6% YoY
|
0.65%
+0.6% YoY
|
25% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 4%
in Micro
Why this stands out
Current:
34.97%
(Tier avg: 74.53%, National avg: 78.04%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
66
66th pctile
Non-Interest-Bearing Deposit Share
Current: 25.92% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
44
44th pctile
Total Assets
Current: $172.8M · Tier avg: $217.5M
44
44th pctile
Total Deposits
Current: $144.1M · Tier avg: $183.7M
25
25th pctile
Non-Interest Income / Assets
Current: 0.21% · Tier avg: 0.56%
21
21th pctile
Efficiency Ratio
Current: 79.53% · Tier avg: 67.73%
20
20th pctile
Total Loans
Current: $50.4M · Tier avg: $139.2M
16
16th pctile
Return on Assets
Current: 0.44% · Tier avg: 1.08%
11
11th pctile
Net Interest Margin
Current: 2.80% · Tier avg: 3.85%
4
4th pctile
Loan-to-Deposit Ratio
Current: 34.97% · Tier avg: 74.53%
Top Weaknesses
4
4th pctile
Loan-to-Deposit Ratio
Current: 34.97% · Tier avg: 74.53%
11
11th pctile
Net Interest Margin
Current: 2.80% · Tier avg: 3.85%
16
16th pctile
Return on Assets
Current: 0.44% · Tier avg: 1.08%
20
20th pctile
Total Loans
Current: $50.4M · Tier avg: $139.2M
21
21th pctile
Efficiency Ratio
Current: 79.53% · Tier avg: 67.73%
25
25th pctile
Non-Interest Income / Assets
Current: 0.21% · Tier avg: 0.56%
44
44th pctile
Total Deposits
Current: $144.1M · Tier avg: $183.7M
44
44th pctile
Total Assets
Current: $172.8M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
66
66th pctile
Non-Interest-Bearing Deposit Share
Current: 25.92% · Tier avg: 22.39%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%