BlastPoint's Banking Scorecard
City National Bank of Florida
Large
Specialty: Commercial
FL
FDIC cert 20234
Miami, FL
69
banks in Large tier nationally
5 in FL
View Large leaderboard (FL) →
City National Bank of Florida shows stable performance across key metrics
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
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 ? |
$28.0B
+5.8% YoY
+1.0% QoQ
|
-$46.8B |
$74.9B
-4.4% YoY
|
$4.1B
+13.2% YoY
|
$5.9B
+6.5% YoY
|
17% |
| Total Loans ? |
$19.6B
+7.9% YoY
+0.3% QoQ
|
-$26.8B |
$46.4B
-2.1% YoY
|
$2.9B
+14.7% YoY
|
$3.1B
+8.5% YoY
|
20% |
| Total Deposits ? |
$21.9B
+5.2% YoY
-0.1% QoQ
|
-$38.5B |
$60.5B
-4.5% YoY
|
$3.4B
+13.4% YoY
|
$4.7B
+6.3% YoY
|
Bottom 7% in tier |
| Return on Assets ? |
0.96%
+183.3% YoY
+2.7% QoQ
|
-0.24% |
1.19%
+17.8% YoY
|
1.01%
+12.7% YoY
|
1.12%
+15.6% YoY
|
26% |
| Net Interest Margin ? |
2.71%
+28.9% YoY
+3.2% QoQ
|
-0.75% |
3.46%
+13.1% YoY
|
3.69%
+4.1% YoY
|
3.75%
+7.1% YoY
|
Bottom 14% in tier |
| Efficiency Ratio ? |
48.16%
-11.8% YoY
-0.2% QoQ
|
-6.87% |
55.03%
-2.8% YoY
|
67.57%
-3.0% YoY
|
65.09%
-5.1% YoY
|
78% |
| Delinquency Rate ? |
0.95%
+33.0% YoY
-10.4% QoQ
|
+0.08% |
0.88%
-0.3% YoY
|
0.34%
-31.5% YoY
|
0.66%
+20.3% YoY
|
38% |
| Loan-to-Deposit Ratio ? |
89.49%
+2.6% YoY
+0.3% QoQ
|
+7.77% |
81.72%
+3.9% YoY
|
76.49%
+0.5% YoY
|
78.04%
+0.7% YoY
|
26% |
| Non-Interest-Bearing Deposit Share ? |
22.28%
+3.7% YoY
-0.9% QoQ
|
+2.31% |
19.97%
+0.5% YoY
|
27.37%
-1.6% YoY
|
21.79%
-1.3% YoY
|
44% |
| Nonperforming Asset Ratio ? |
0.71%
+29.6% YoY
-11.6% QoQ
|
+0.16% |
0.55%
+9.0% YoY
|
0.26%
-19.5% YoY
|
0.48%
+20.8% YoY
|
30% |
| Tier 1 Capital Ratio ? |
14.35%
+2.0% YoY
+1.0% QoQ
|
+1.02% |
13.33%
-0.7% YoY
|
11.37%
-0.5% YoY
|
9.75%
-1.9% YoY
|
76% |
| Non-Interest Income / Assets ? |
0.43%
+4.3% YoY
+30.9% QoQ
|
-0.66% |
1.09%
+2.4% YoY
|
0.85%
-7.6% YoY
|
0.65%
+0.6% YoY
|
28% |
Signature Analysis
Strengths (0)
No strengths identified
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
78
78th pctile
Efficiency Ratio
Current: 48.16% · Tier avg: 55.03%
76
76th pctile
Tier 1 Capital Ratio
Current: 14.35% · Tier avg: 13.33%
44
44th pctile
Non-Interest-Bearing Deposit Share
Current: 22.28% · Tier avg: 19.97%
38
38th pctile
Delinquency Rate
Current: 0.95% · Tier avg: 0.88%
30
30th pctile
Nonperforming Asset Ratio
Current: 0.71% · Tier avg: 0.55%
28
28th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 1.09%
26
26th pctile
Loan-to-Deposit Ratio
Current: 89.49% · Tier avg: 81.72%
26
26th pctile
Return on Assets
Current: 0.96% · Tier avg: 1.19%
20
20th pctile
Total Loans
Current: $19.6B · Tier avg: $46.4B
17
17th pctile
Total Assets
Current: $28.0B · Tier avg: $74.9B
14
14th pctile
Net Interest Margin
Current: 2.71% · Tier avg: 3.46%
7
7th pctile
Total Deposits
Current: $21.9B · Tier avg: $60.5B
Top Weaknesses
7
7th pctile
Total Deposits
Current: $21.9B · Tier avg: $60.5B
14
14th pctile
Net Interest Margin
Current: 2.71% · Tier avg: 3.46%
17
17th pctile
Total Assets
Current: $28.0B · Tier avg: $74.9B
20
20th pctile
Total Loans
Current: $19.6B · Tier avg: $46.4B
26
26th pctile
Return on Assets
Current: 0.96% · Tier avg: 1.19%
26
26th pctile
Loan-to-Deposit Ratio
Current: 89.49% · Tier avg: 81.72%
28
28th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 1.09%
30
30th pctile
Nonperforming Asset Ratio
Current: 0.71% · Tier avg: 0.55%
38
38th pctile
Delinquency Rate
Current: 0.95% · Tier avg: 0.88%
44
44th pctile
Non-Interest-Bearing Deposit Share
Current: 22.28% · Tier avg: 19.97%
76
76th pctile
Tier 1 Capital Ratio
Current: 14.35% · Tier avg: 13.33%
78
78th pctile
Efficiency Ratio
Current: 48.16% · Tier avg: 55.03%