BlastPoint's Banking Scorecard
First National Bank of Wauchula
Micro
Specialty: Commercial
FL
FDIC cert 18136
Designations: ✓ Community bank
Wauchula, FL
2498
banks in Micro tier nationally
35 in FL
View Micro leaderboard (FL) →
First National Bank of Wauchula demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.68% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$85.6M
-2.7% YoY
+1.1% QoQ
|
-$131.9M |
$217.5M
+2.3% YoY
|
$4.1B
+13.2% YoY
|
$5.9B
+6.5% YoY
|
18% |
| Total Loans ? |
$61.9M
-5.3% YoY
-0.4% QoQ
|
-$77.3M |
$139.2M
+2.8% YoY
|
$2.9B
+14.7% YoY
|
$3.1B
+8.5% YoY
|
25% |
| Total Deposits ? |
$74.6M
+4.9% YoY
+1.4% QoQ
|
-$109.1M |
$183.7M
+1.8% YoY
|
$3.4B
+13.4% YoY
|
$4.7B
+6.3% YoY
|
19% |
| Return on Assets ? |
1.51%
+45.3% YoY
-7.6% QoQ
|
+0.43% |
1.08%
+14.7% YoY
|
1.01%
+12.7% YoY
|
1.12%
+15.6% YoY
|
75% |
| Net Interest Margin ? |
5.53%
+11.7% YoY
-0.2% QoQ
|
+1.68% |
3.85%
+6.6% YoY
|
3.69%
+4.1% YoY
|
3.75%
+7.1% YoY
|
Top 4% in tier |
| Efficiency Ratio ? |
73.62%
-7.6% YoY
+2.7% QoQ
|
+5.89% |
67.73%
-4.8% YoY
|
67.57%
-3.0% YoY
|
65.09%
-5.1% YoY
|
32% |
| Delinquency Rate ? |
1.24%
+21.9% YoY
+10.9% QoQ
|
+0.60% |
0.64%
+24.4% YoY
|
0.34%
-31.5% YoY
|
0.66%
+20.3% YoY
|
24% |
| Loan-to-Deposit Ratio ? |
82.95%
-9.7% YoY
-1.8% QoQ
|
+8.42% |
74.53%
+0.5% YoY
|
76.49%
+0.5% YoY
|
78.04%
+0.7% YoY
|
36% |
| Non-Interest-Bearing Deposit Share ? |
30.04%
-2.2% YoY
-2.5% QoQ
|
+7.65% |
22.39%
-1.3% YoY
|
27.37%
-1.6% YoY
|
21.79%
-1.3% YoY
|
79% |
| Nonperforming Asset Ratio ? |
0.90%
+18.7% YoY
+9.3% QoQ
|
+0.45% |
0.45%
+25.1% YoY
|
0.26%
-19.5% YoY
|
0.48%
+20.8% YoY
|
22% |
| 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 ? |
0.84%
+15.0% YoY
+24.9% QoQ
|
+0.27% |
0.56%
+0.3% YoY
|
0.85%
-7.6% YoY
|
0.65%
+0.6% YoY
|
Top 12% in tier |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 4%
in Micro
Why this stands out
Current:
5.53%
(Tier avg: 3.85%, National avg: 3.75%)
Concerns (0)
No concerns identified
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
96
96th pctile
Net Interest Margin
Current: 5.53% · Tier avg: 3.85%
88
88th pctile
Non-Interest Income / Assets
Current: 0.84% · Tier avg: 0.56%
79
79th pctile
Non-Interest-Bearing Deposit Share
Current: 30.04% · Tier avg: 22.39%
75
75th pctile
Return on Assets
Current: 1.51% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
36
36th pctile
Loan-to-Deposit Ratio
Current: 82.95% · Tier avg: 74.53%
32
32th pctile
Efficiency Ratio
Current: 73.62% · Tier avg: 67.73%
25
25th pctile
Total Loans
Current: $61.9M · Tier avg: $139.2M
24
24th pctile
Delinquency Rate
Current: 1.24% · Tier avg: 0.64%
22
22th pctile
Nonperforming Asset Ratio
Current: 0.90% · Tier avg: 0.45%
19
19th pctile
Total Deposits
Current: $74.6M · Tier avg: $183.7M
18
18th pctile
Total Assets
Current: $85.6M · Tier avg: $217.5M
Top Weaknesses
18
18th pctile
Total Assets
Current: $85.6M · Tier avg: $217.5M
19
19th pctile
Total Deposits
Current: $74.6M · Tier avg: $183.7M
22
22th pctile
Nonperforming Asset Ratio
Current: 0.90% · Tier avg: 0.45%
24
24th pctile
Delinquency Rate
Current: 1.24% · Tier avg: 0.64%
25
25th pctile
Total Loans
Current: $61.9M · Tier avg: $139.2M
32
32th pctile
Efficiency Ratio
Current: 73.62% · Tier avg: 67.73%
36
36th pctile
Loan-to-Deposit Ratio
Current: 82.95% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
75
75th pctile
Return on Assets
Current: 1.51% · Tier avg: 1.08%
79
79th pctile
Non-Interest-Bearing Deposit Share
Current: 30.04% · Tier avg: 22.39%
88
88th pctile
Non-Interest Income / Assets
Current: 0.84% · Tier avg: 0.56%
96
96th pctile
Net Interest Margin
Current: 5.53% · Tier avg: 3.85%