BlastPoint's Banking Scorecard
Pibank, National Association
Community
Specialty: Commercial
FL
FDIC cert 25258
Miami, FL
1484
banks in Community tier nationally
36 in FL
View Community leaderboard (FL) →
Pibank, National Association has 2 strengths but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 24% in Community
- + Loan-to-Deposit Ratio 22.54% below tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 4% in Community
- - Return on Assets 1.97% below tier
- - Net Interest Margin 1.54% below tier
- - Efficiency Ratio 75.57% above tier
- - Non-Interest-Bearing Deposit Share 15.06% below tier
- - Non-Interest Income / Assets 0.73% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.6B
+51.4% YoY
+21.3% QoQ
|
+$219.4M |
$1.4B
+2.0% YoY
|
$4.1B
+13.2% YoY
|
$5.9B
+6.5% YoY
|
73% |
| Total Loans ? |
$841.2M
+58.1% YoY
+24.0% QoQ
|
-$134.2M |
$975.5M
+2.4% YoY
|
$2.9B
+14.7% YoY
|
$3.1B
+8.5% YoY
|
60% |
| Total Deposits ? |
$1.4B
+48.8% YoY
+20.7% QoQ
|
+$225.3M |
$1.2B
+1.7% YoY
|
$3.4B
+13.4% YoY
|
$4.7B
+6.3% YoY
|
74% |
| Return on Assets ? |
-0.80%
+34.7% YoY
-51.2% QoQ
|
-1.97% |
1.16%
+17.2% YoY
|
1.01%
+12.7% YoY
|
1.12%
+15.6% YoY
|
Bottom 1% in tier |
| Net Interest Margin ? |
2.13%
-1.1% YoY
-2.8% QoQ
|
-1.54% |
3.66%
+9.1% YoY
|
3.69%
+4.1% YoY
|
3.75%
+7.1% YoY
|
Bottom 2% in tier |
| Efficiency Ratio ? |
138.20%
-14.0% YoY
+9.4% QoQ
|
+75.57% |
62.63%
-5.3% YoY
|
67.57%
-3.0% YoY
|
65.09%
-5.1% YoY
|
Bottom 1% in tier |
| Delinquency Rate ? |
0.09%
+8.3% YoY
+230.9% QoQ
|
-0.54% |
0.63%
+18.3% YoY
|
0.34%
-31.5% YoY
|
0.66%
+20.3% YoY
|
83% |
| Loan-to-Deposit Ratio ? |
60.52%
+6.2% YoY
+2.8% QoQ
|
-22.54% |
83.06%
+0.3% YoY
|
76.49%
+0.5% YoY
|
78.04%
+0.7% YoY
|
Top 9% in tier |
| Non-Interest-Bearing Deposit Share ? |
5.99%
-21.8% YoY
-27.2% QoQ
|
-15.06% |
21.05%
-0.9% YoY
|
27.37%
-1.6% YoY
|
21.79%
-1.3% YoY
|
Bottom 5% in tier |
| Nonperforming Asset Ratio ? |
0.05%
+13.0% YoY
+238.4% QoQ
|
-0.45% |
0.50%
+20.3% YoY
|
0.26%
-19.5% YoY
|
0.48%
+20.8% YoY
|
Top 13% in tier |
| Tier 1 Capital Ratio ? |
16.44%
+5.2% YoY
-11.8% QoQ
|
+6.19% |
10.24%
-0.6% YoY
|
11.37%
-0.5% YoY
|
9.75%
-1.9% YoY
|
85% |
| Non-Interest Income / Assets ? |
0.01%
-83.7% YoY
-71.2% QoQ
|
-0.73% |
0.74%
-1.3% YoY
|
0.85%
-7.6% YoY
|
0.65%
+0.6% YoY
|
Bottom 1% in tier |
Signature Analysis
Strengths (2)
Credit Quality Leader
growth
#88 of 371 · Top 24% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.09%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Loan-to-Deposit Ratio
metric
Top 9%
in Community
Why this stands out
Current:
60.52%
(Tier avg: 83.06%, National avg: 78.04%)
Concerns (6)
Credit Quality Pressure
risk
#31 of 808 · Bottom 4% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.09%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
Return on Assets
metric
Bottom 1%
in Community
Why this stands out
Current:
-0.80%
(Tier avg: 1.16%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 2%
in Community
Why this stands out
Current:
2.13%
(Tier avg: 3.66%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 1%
in Community
Why this stands out
Current:
138.20%
(Tier avg: 62.63%, National avg: 65.09%)
Non-Interest-Bearing Deposit Share
metric
Bottom 5%
in Community
Why this stands out
Current:
5.99%
(Tier avg: 21.05%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Bottom 1%
in Community
Why this stands out
Current:
0.01%
(Tier avg: 0.74%, 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
91
91th pctile
Loan-to-Deposit Ratio
Current: 60.52% · Tier avg: 83.06%
87
87th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.50%
85
85th pctile
Tier 1 Capital Ratio
Current: 16.44% · Tier avg: 10.24%
83
83th pctile
Delinquency Rate
Current: 0.09% · Tier avg: 0.63%
74
74th pctile
Total Deposits
Current: $1.4B · Tier avg: $1.2B
73
73th pctile
Total Assets
Current: $1.6B · Tier avg: $1.4B
60
60th pctile
Total Loans
Current: $841.2M · Tier avg: $975.5M
5
5th pctile
Non-Interest-Bearing Deposit Share
Current: 5.99% · Tier avg: 21.05%
2
2th pctile
Net Interest Margin
Current: 2.13% · Tier avg: 3.66%
1
1th pctile
Return on Assets
Current: -0.80% · Tier avg: 1.16%
0
0th pctile
Non-Interest Income / Assets
Current: 0.01% · Tier avg: 0.74%
0
0th pctile
Efficiency Ratio
Current: 138.20% · Tier avg: 62.63%
Top Weaknesses
0
0th pctile
Efficiency Ratio
Current: 138.20% · Tier avg: 62.63%
0
0th pctile
Non-Interest Income / Assets
Current: 0.01% · Tier avg: 0.74%
1
1th pctile
Return on Assets
Current: -0.80% · Tier avg: 1.16%
2
2th pctile
Net Interest Margin
Current: 2.13% · Tier avg: 3.66%
5
5th pctile
Non-Interest-Bearing Deposit Share
Current: 5.99% · Tier avg: 21.05%
60
60th pctile
Total Loans
Current: $841.2M · Tier avg: $975.5M
73
73th pctile
Total Assets
Current: $1.6B · Tier avg: $1.4B
74
74th pctile
Total Deposits
Current: $1.4B · Tier avg: $1.2B
83
83th pctile
Delinquency Rate
Current: 0.09% · Tier avg: 0.63%
85
85th pctile
Tier 1 Capital Ratio
Current: 16.44% · Tier avg: 10.24%
87
87th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.50%
91
91th pctile
Loan-to-Deposit Ratio
Current: 60.52% · Tier avg: 83.06%