BlastPoint's Banking Scorecard
Bradesco Bank
Mid-Market
Specialty: Other
FL
FDIC cert 21265
Coral Gables, FL
201
banks in Mid-Market tier nationally
6 in FL
View Mid-Market leaderboard (FL) →
Bradesco Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 31% in Mid-Market
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 5% in Mid-Market
- - Flatlined Growth: Bottom 49% in Mid-Market
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$5.5B
+1.2% YoY
+0.4% QoQ
|
-$5.0B |
$10.5B
+2.9% YoY
|
$4.1B
+13.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 8% in tier |
| Total Loans ? |
$4.3B
+17.8% YoY
+8.2% QoQ
|
-$2.8B |
$7.1B
+4.5% YoY
|
$2.9B
+14.7% YoY
|
$3.1B
+8.5% YoY
|
24% |
| Total Deposits ? |
$4.6B
-2.4% YoY
-0.1% QoQ
|
-$3.9B |
$8.5B
+3.0% YoY
|
$3.4B
+13.4% YoY
|
$4.7B
+6.3% YoY
|
Bottom 12% in tier |
| Return on Assets ? |
0.94%
+31.8% YoY
+0.1% QoQ
|
-0.22% |
1.16%
+9.4% YoY
|
1.01%
+12.7% YoY
|
1.12%
+15.6% YoY
|
33% |
| Net Interest Margin ? |
2.76%
+11.4% YoY
+1.7% QoQ
|
-0.63% |
3.40%
+7.9% YoY
|
3.69%
+4.1% YoY
|
3.75%
+7.1% YoY
|
21% |
| Efficiency Ratio ? |
58.54%
-10.1% YoY
+1.0% QoQ
|
+1.94% |
56.60%
-3.2% YoY
|
67.57%
-3.0% YoY
|
65.09%
-5.1% YoY
|
40% |
| Delinquency Rate ? |
0.21%
+8.9% YoY
+10.6% QoQ
|
-0.48% |
0.68%
+12.0% YoY
|
0.34%
-31.5% YoY
|
0.66%
+20.3% YoY
|
84% |
| Loan-to-Deposit Ratio ? |
93.98%
+20.7% YoY
+8.4% QoQ
|
+8.51% |
85.47%
+1.1% YoY
|
76.49%
+0.5% YoY
|
78.04%
+0.7% YoY
|
26% |
| Non-Interest-Bearing Deposit Share ? |
22.92%
+25.9% YoY
+23.2% QoQ
|
+2.28% |
20.64%
-0.3% YoY
|
27.37%
-1.6% YoY
|
21.79%
-1.3% YoY
|
58% |
| Nonperforming Asset Ratio ? |
0.16%
+26.9% YoY
+19.3% QoQ
|
-0.34% |
0.50%
+7.3% YoY
|
0.26%
-19.5% YoY
|
0.48%
+20.8% YoY
|
81% |
| Tier 1 Capital Ratio ? |
15.89%
-7.1% YoY
-6.6% QoQ
|
+2.34% |
13.55%
+1.8% YoY
|
11.37%
-0.5% YoY
|
9.75%
-1.9% YoY
|
Top 12% in tier |
| Non-Interest Income / Assets ? |
0.54%
+29.1% YoY
+32.3% QoQ
|
-0.42% |
0.96%
+7.1% YoY
|
0.85%
-7.6% YoY
|
0.65%
+0.6% YoY
|
34% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#16 of 50 · Top 31% in Mid-Market
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.21%
(Tier: 0.68%, National: 0.66%)
50 of 50 Mid-Market banks match
·
443 nationally
→ Stable
+6 banks QoQ
Concerns (2)
Credit Quality Pressure
risk
#7 of 113 · Bottom 5% in Mid-Market
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.21%
(Tier: 0.68%, National: 0.66%)
113 of 113 Mid-Market banks match
·
961 nationally
→ Stable
+22 banks QoQ
Flatlined Growth
risk
#22 of 44 · Bottom 49% in Mid-Market
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:
0.94%
(Tier: 1.16%, National: 1.12%)
44 of 44 Mid-Market banks match
·
308 nationally
↓ Shrinking
-35 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
88
88th pctile
Tier 1 Capital Ratio
Current: 15.89% · Tier avg: 13.55%
84
84th pctile
Delinquency Rate
Current: 0.21% · Tier avg: 0.68%
81
81th pctile
Nonperforming Asset Ratio
Current: 0.16% · Tier avg: 0.50%
58
58th pctile
Non-Interest-Bearing Deposit Share
Current: 22.92% · Tier avg: 20.64%
40
40th pctile
Efficiency Ratio
Current: 58.54% · Tier avg: 56.60%
34
34th pctile
Non-Interest Income / Assets
Current: 0.54% · Tier avg: 0.96%
33
33th pctile
Return on Assets
Current: 0.94% · Tier avg: 1.16%
26
26th pctile
Loan-to-Deposit Ratio
Current: 93.98% · Tier avg: 85.47%
24
24th pctile
Total Loans
Current: $4.3B · Tier avg: $7.1B
21
21th pctile
Net Interest Margin
Current: 2.76% · Tier avg: 3.40%
12
12th pctile
Total Deposits
Current: $4.6B · Tier avg: $8.5B
8
8th pctile
Total Assets
Current: $5.5B · Tier avg: $10.5B
Top Weaknesses
8
8th pctile
Total Assets
Current: $5.5B · Tier avg: $10.5B
12
12th pctile
Total Deposits
Current: $4.6B · Tier avg: $8.5B
21
21th pctile
Net Interest Margin
Current: 2.76% · Tier avg: 3.40%
24
24th pctile
Total Loans
Current: $4.3B · Tier avg: $7.1B
26
26th pctile
Loan-to-Deposit Ratio
Current: 93.98% · Tier avg: 85.47%
33
33th pctile
Return on Assets
Current: 0.94% · Tier avg: 1.16%
34
34th pctile
Non-Interest Income / Assets
Current: 0.54% · Tier avg: 0.96%
40
40th pctile
Efficiency Ratio
Current: 58.54% · Tier avg: 56.60%
58
58th pctile
Non-Interest-Bearing Deposit Share
Current: 22.92% · Tier avg: 20.64%
81
81th pctile
Nonperforming Asset Ratio
Current: 0.16% · Tier avg: 0.50%
84
84th pctile
Delinquency Rate
Current: 0.21% · Tier avg: 0.68%
88
88th pctile
Tier 1 Capital Ratio
Current: 15.89% · Tier avg: 13.55%