BlastPoint's Banking Scorecard
DLP Bank
Micro
Specialty: Commercial
FL
FDIC cert 17734
Designations: ✓ Community bank
Starke, FL
2498
banks in Micro tier nationally
35 in FL
View Micro leaderboard (FL) →
DLP Bank has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 40.52% above tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 2.85% below tier
- - Delinquency Rate 2.87% above tier
- - Loan-to-Deposit Ratio 29.97% below tier
- - Nonperforming Asset Ratio 1.23% above tier
- - Non-Interest Income / Assets 0.46% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$303.8M
+22.8% YoY
+18.3% QoQ
|
+$86.3M |
$217.5M
+2.3% YoY
|
$4.1B
+13.2% YoY
|
$5.9B
+6.5% YoY
|
73% |
| Total Loans ? |
$109.1M
-2.9% YoY
+4.7% QoQ
|
-$30.1M |
$139.2M
+2.8% YoY
|
$2.9B
+14.7% YoY
|
$3.1B
+8.5% YoY
|
46% |
| Total Deposits ? |
$244.8M
+21.7% YoY
+18.6% QoQ
|
+$61.1M |
$183.7M
+1.8% YoY
|
$3.4B
+13.4% YoY
|
$4.7B
+6.3% YoY
|
70% |
| Return on Assets ? |
0.29%
-79.5% YoY
-81.8% QoQ
|
-0.80% |
1.08%
+14.7% YoY
|
1.01%
+12.7% YoY
|
1.12%
+15.6% YoY
|
Bottom 12% in tier |
| Net Interest Margin ? |
1.01%
-82.5% YoY
-82.5% QoQ
|
-2.85% |
3.85%
+6.6% YoY
|
3.69%
+4.1% YoY
|
3.75%
+7.1% YoY
|
Bottom 1% in tier |
| Efficiency Ratio ? |
52.49%
-12.8% YoY
-6.0% QoQ
|
-15.24% |
67.73%
-4.8% YoY
|
67.57%
-3.0% YoY
|
65.09%
-5.1% YoY
|
Top 14% in tier |
| Delinquency Rate ? |
3.51%
+49.4% YoY
+42.4% QoQ
|
+2.87% |
0.64%
+24.4% YoY
|
0.34%
-31.5% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
44.55%
-20.2% YoY
-11.7% QoQ
|
-29.97% |
74.53%
+0.5% YoY
|
76.49%
+0.5% YoY
|
78.04%
+0.7% YoY
|
Bottom 9% in tier |
| Non-Interest-Bearing Deposit Share ? |
62.92%
+10.6% YoY
+3.3% QoQ
|
+40.52% |
22.39%
-1.3% YoY
|
27.37%
-1.6% YoY
|
21.79%
-1.3% YoY
|
Top 1% in tier |
| Nonperforming Asset Ratio ? |
1.68%
+14.3% YoY
+5.4% QoQ
|
+1.23% |
0.45%
+25.1% YoY
|
0.26%
-19.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 10% 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 ? |
0.10%
-86.7% YoY
-79.9% QoQ
|
-0.46% |
0.56%
+0.3% YoY
|
0.85%
-7.6% YoY
|
0.65%
+0.6% YoY
|
Bottom 8% in tier |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 1%
in Micro
Why this stands out
Current:
62.92%
(Tier avg: 22.39%, National avg: 21.79%)
Concerns (5)
Net Interest Margin
metric
Bottom 1%
in Micro
Why this stands out
Current:
1.01%
(Tier avg: 3.85%, National avg: 3.75%)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
3.51%
(Tier avg: 0.64%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Bottom 9%
in Micro
Why this stands out
Current:
44.55%
(Tier avg: 74.53%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Bottom 10%
in Micro
Why this stands out
Current:
1.68%
(Tier avg: 0.45%, National avg: 0.48%)
Non-Interest Income / Assets
metric
Bottom 8%
in Micro
Why this stands out
Current:
0.10%
(Tier avg: 0.56%, National avg: 0.65%)
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
99
99th pctile
Non-Interest-Bearing Deposit Share
Current: 62.92% · Tier avg: 22.39%
86
86th pctile
Efficiency Ratio
Current: 52.49% · Tier avg: 67.73%
73
73th pctile
Total Assets
Current: $303.8M · Tier avg: $217.5M
70
70th pctile
Total Deposits
Current: $244.8M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
46
46th pctile
Total Loans
Current: $109.1M · Tier avg: $139.2M
12
12th pctile
Return on Assets
Current: 0.29% · Tier avg: 1.08%
10
10th pctile
Nonperforming Asset Ratio
Current: 1.68% · Tier avg: 0.45%
9
9th pctile
Loan-to-Deposit Ratio
Current: 44.55% · Tier avg: 74.53%
8
8th pctile
Non-Interest Income / Assets
Current: 0.10% · Tier avg: 0.56%
0
0th pctile
Net Interest Margin
Current: 1.01% · Tier avg: 3.85%
0
0th pctile
Delinquency Rate
Current: 3.51% · Tier avg: 0.64%
Top Weaknesses
0
0th pctile
Delinquency Rate
Current: 3.51% · Tier avg: 0.64%
0
0th pctile
Net Interest Margin
Current: 1.01% · Tier avg: 3.85%
8
8th pctile
Non-Interest Income / Assets
Current: 0.10% · Tier avg: 0.56%
9
9th pctile
Loan-to-Deposit Ratio
Current: 44.55% · Tier avg: 74.53%
10
10th pctile
Nonperforming Asset Ratio
Current: 1.68% · Tier avg: 0.45%
12
12th pctile
Return on Assets
Current: 0.29% · Tier avg: 1.08%
46
46th pctile
Total Loans
Current: $109.1M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
70
70th pctile
Total Deposits
Current: $244.8M · Tier avg: $183.7M
73
73th pctile
Total Assets
Current: $303.8M · Tier avg: $217.5M
86
86th pctile
Efficiency Ratio
Current: 52.49% · Tier avg: 67.73%
99
99th pctile
Non-Interest-Bearing Deposit Share
Current: 62.92% · Tier avg: 22.39%