BlastPoint's Banking Scorecard
The Bank of Tampa
Community
Specialty: Commercial
FL
FDIC cert 21031
Tampa, FL
1484
banks in Community tier nationally
36 in FL
View Community leaderboard (FL) →
The Bank of Tampa has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 17.33% above tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 8% in Community
- - Deposit Outflow: Bottom 24% in Community
- - Flatlined Growth: Bottom 26% in Community
- - Credit Risk Growth: Bottom 36% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.9B
-1.9% YoY
-4.4% QoQ
|
+$1.5B |
$1.4B
+2.0% YoY
|
$4.1B
+13.2% YoY
|
$5.9B
+6.5% YoY
|
Top 10% in tier |
| Total Loans ? |
$1.9B
+9.3% YoY
+1.9% QoQ
|
+$936.0M |
$975.5M
+2.4% YoY
|
$2.9B
+14.7% YoY
|
$3.1B
+8.5% YoY
|
Top 12% in tier |
| Total Deposits ? |
$2.6B
-3.3% YoY
-5.3% QoQ
|
+$1.5B |
$1.2B
+1.7% YoY
|
$3.4B
+13.4% YoY
|
$4.7B
+6.3% YoY
|
Top 8% in tier |
| Return on Assets ? |
1.19%
+10.2% YoY
+0.4% QoQ
|
+0.03% |
1.16%
+17.2% YoY
|
1.01%
+12.7% YoY
|
1.12%
+15.6% YoY
|
56% |
| Net Interest Margin ? |
3.66%
+6.8% YoY
+1.0% QoQ
|
-0.01% |
3.66%
+9.1% YoY
|
3.69%
+4.1% YoY
|
3.75%
+7.1% YoY
|
51% |
| Efficiency Ratio ? |
56.32%
-3.2% YoY
+0.3% QoQ
|
-6.31% |
62.63%
-5.3% YoY
|
67.57%
-3.0% YoY
|
65.09%
-5.1% YoY
|
69% |
| Delinquency Rate ? |
0.18%
+5.3% YoY
-14.0% QoQ
|
-0.45% |
0.63%
+18.3% YoY
|
0.34%
-31.5% YoY
|
0.66%
+20.3% YoY
|
72% |
| Loan-to-Deposit Ratio ? |
72.92%
+13.1% YoY
+7.5% QoQ
|
-10.14% |
83.06%
+0.3% YoY
|
76.49%
+0.5% YoY
|
78.04%
+0.7% YoY
|
76% |
| Non-Interest-Bearing Deposit Share ? |
38.38%
-2.2% YoY
-0.2% QoQ
|
+17.33% |
21.05%
-0.9% YoY
|
27.37%
-1.6% YoY
|
21.79%
-1.3% YoY
|
Top 5% in tier |
| Nonperforming Asset Ratio ? |
0.12%
+17.3% YoY
-8.4% QoQ
|
-0.38% |
0.50%
+20.3% YoY
|
0.26%
-19.5% YoY
|
0.48%
+20.8% YoY
|
75% |
| Tier 1 Capital Ratio ? |
14.84%
+1.5% YoY
+0.4% QoQ
|
+4.59% |
10.24%
-0.6% YoY
|
11.37%
-0.5% YoY
|
9.75%
-1.9% YoY
|
75% |
| Non-Interest Income / Assets ? |
0.65%
+6.7% YoY
+40.9% QoQ
|
-0.09% |
0.74%
-1.3% YoY
|
0.85%
-7.6% YoY
|
0.65%
+0.6% YoY
|
65% |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 5%
in Community
Why this stands out
Current:
38.38%
(Tier avg: 21.05%, National avg: 21.79%)
Concerns (4)
Credit Quality Pressure
risk
#63 of 808 · Bottom 8% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.18%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
Deposit Outflow
decline
#61 of 248 · Bottom 24% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
Flatlined Growth
risk
#65 of 245 · Bottom 26% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
1.19%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
|
QoQ rank improving
Credit Risk Growth
risk
#233 of 642 · Bottom 36% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
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
95
95th pctile
Non-Interest-Bearing Deposit Share
Current: 38.38% · Tier avg: 21.05%
92
92th pctile
Total Deposits
Current: $2.6B · Tier avg: $1.2B
90
90th pctile
Total Assets
Current: $2.9B · Tier avg: $1.4B
88
88th pctile
Total Loans
Current: $1.9B · Tier avg: $975.5M
76
76th pctile
Loan-to-Deposit Ratio
Current: 72.92% · Tier avg: 83.06%
75
75th pctile
Tier 1 Capital Ratio
Current: 14.84% · Tier avg: 10.24%
75
75th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.50%
72
72th pctile
Delinquency Rate
Current: 0.18% · Tier avg: 0.63%
69
69th pctile
Efficiency Ratio
Current: 56.32% · Tier avg: 62.63%
65
65th pctile
Non-Interest Income / Assets
Current: 0.65% · Tier avg: 0.74%
56
56th pctile
Return on Assets
Current: 1.19% · Tier avg: 1.16%
51
51th pctile
Net Interest Margin
Current: 3.66% · Tier avg: 3.66%
Top Weaknesses
51
51th pctile
Net Interest Margin
Current: 3.66% · Tier avg: 3.66%
56
56th pctile
Return on Assets
Current: 1.19% · Tier avg: 1.16%
65
65th pctile
Non-Interest Income / Assets
Current: 0.65% · Tier avg: 0.74%
69
69th pctile
Efficiency Ratio
Current: 56.32% · Tier avg: 62.63%
72
72th pctile
Delinquency Rate
Current: 0.18% · Tier avg: 0.63%
75
75th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.50%
75
75th pctile
Tier 1 Capital Ratio
Current: 14.84% · Tier avg: 10.24%
76
76th pctile
Loan-to-Deposit Ratio
Current: 72.92% · Tier avg: 83.06%
88
88th pctile
Total Loans
Current: $1.9B · Tier avg: $975.5M
90
90th pctile
Total Assets
Current: $2.9B · Tier avg: $1.4B
92
92th pctile
Total Deposits
Current: $2.6B · Tier avg: $1.2B
95
95th pctile
Non-Interest-Bearing Deposit Share
Current: 38.38% · Tier avg: 21.05%