BlastPoint's Banking Scorecard
Florida Capital Bank, National Association
Community
Specialty: Commercial
FL
FDIC cert 26323
Jacksonville, FL
1484
banks in Community tier nationally
36 in FL
View Community leaderboard (FL) →
Florida Capital Bank, National Association has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 40% in Community
- + Non-Interest-Bearing Deposit Share 25.36% above tier
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 50% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$652.2M
+1.0% YoY
+0.7% QoQ
|
-$739.3M |
$1.4B
+2.0% YoY
|
$4.1B
+13.2% YoY
|
$5.9B
+6.5% YoY
|
22% |
| Total Loans ? |
$493.5M
+7.8% YoY
-0.1% QoQ
|
-$482.0M |
$975.5M
+2.4% YoY
|
$2.9B
+14.7% YoY
|
$3.1B
+8.5% YoY
|
30% |
| Total Deposits ? |
$581.3M
-0.1% YoY
+0.6% QoQ
|
-$583.3M |
$1.2B
+1.7% YoY
|
$3.4B
+13.4% YoY
|
$4.7B
+6.3% YoY
|
26% |
| Return on Assets ? |
1.04%
+44.1% YoY
-10.6% QoQ
|
-0.13% |
1.16%
+17.2% YoY
|
1.01%
+12.7% YoY
|
1.12%
+15.6% YoY
|
43% |
| Net Interest Margin ? |
3.92%
+6.0% YoY
-1.9% QoQ
|
+0.25% |
3.66%
+9.1% YoY
|
3.69%
+4.1% YoY
|
3.75%
+7.1% YoY
|
66% |
| Efficiency Ratio ? |
72.83%
-7.7% YoY
+3.0% QoQ
|
+10.20% |
62.63%
-5.3% YoY
|
67.57%
-3.0% YoY
|
65.09%
-5.1% YoY
|
21% |
| Delinquency Rate ? |
0.19%
-64.2% YoY
-12.5% QoQ
|
-0.44% |
0.63%
+18.3% YoY
|
0.34%
-31.5% YoY
|
0.66%
+20.3% YoY
|
71% |
| Loan-to-Deposit Ratio ? |
84.89%
+7.9% YoY
-0.7% QoQ
|
+1.83% |
83.06%
+0.3% YoY
|
76.49%
+0.5% YoY
|
78.04%
+0.7% YoY
|
50% |
| Non-Interest-Bearing Deposit Share ? |
46.40%
-21.7% YoY
-4.0% QoQ
|
+25.36% |
21.05%
-0.9% YoY
|
27.37%
-1.6% YoY
|
21.79%
-1.3% YoY
|
Top 2% in tier |
| Nonperforming Asset Ratio ? |
0.15%
-61.8% YoY
-13.2% QoQ
|
-0.35% |
0.50%
+20.3% YoY
|
0.26%
-19.5% YoY
|
0.48%
+20.8% YoY
|
71% |
| Tier 1 Capital Ratio ? |
15.16%
+2.6% YoY
+1.8% QoQ
|
+4.92% |
10.24%
-0.6% YoY
|
11.37%
-0.5% YoY
|
9.75%
-1.9% YoY
|
77% |
| Non-Interest Income / Assets ? |
1.44%
+13.2% YoY
+23.5% QoQ
|
+0.70% |
0.74%
-1.3% YoY
|
0.85%
-7.6% YoY
|
0.65%
+0.6% YoY
|
Top 7% in tier |
Signature Analysis
Strengths (2)
Revenue Diversifier
growth
#148 of 371 · Top 40% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.44%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.04%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank declining
Non-Interest-Bearing Deposit Share
metric
Top 2%
in Community
Why this stands out
Current:
46.40%
(Tier avg: 21.05%, National avg: 21.79%)
Concerns (1)
Flatlined Growth
risk
#123 of 245 · Bottom 50% 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:
1.04%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community 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
98
98th pctile
Non-Interest-Bearing Deposit Share
Current: 46.40% · Tier avg: 21.05%
93
93th pctile
Non-Interest Income / Assets
Current: 1.44% · Tier avg: 0.74%
77
77th pctile
Tier 1 Capital Ratio
Current: 15.16% · Tier avg: 10.24%
71
71th pctile
Nonperforming Asset Ratio
Current: 0.15% · Tier avg: 0.50%
71
71th pctile
Delinquency Rate
Current: 0.19% · Tier avg: 0.63%
66
66th pctile
Net Interest Margin
Current: 3.92% · Tier avg: 3.66%
50
50th pctile
Loan-to-Deposit Ratio
Current: 84.89% · Tier avg: 83.06%
43
43th pctile
Return on Assets
Current: 1.04% · Tier avg: 1.16%
30
30th pctile
Total Loans
Current: $493.5M · Tier avg: $975.5M
26
26th pctile
Total Deposits
Current: $581.3M · Tier avg: $1.2B
22
22th pctile
Total Assets
Current: $652.2M · Tier avg: $1.4B
21
21th pctile
Efficiency Ratio
Current: 72.83% · Tier avg: 62.63%
Top Weaknesses
21
21th pctile
Efficiency Ratio
Current: 72.83% · Tier avg: 62.63%
22
22th pctile
Total Assets
Current: $652.2M · Tier avg: $1.4B
26
26th pctile
Total Deposits
Current: $581.3M · Tier avg: $1.2B
30
30th pctile
Total Loans
Current: $493.5M · Tier avg: $975.5M
43
43th pctile
Return on Assets
Current: 1.04% · Tier avg: 1.16%
50
50th pctile
Loan-to-Deposit Ratio
Current: 84.89% · Tier avg: 83.06%
66
66th pctile
Net Interest Margin
Current: 3.92% · Tier avg: 3.66%
71
71th pctile
Delinquency Rate
Current: 0.19% · Tier avg: 0.63%
71
71th pctile
Nonperforming Asset Ratio
Current: 0.15% · Tier avg: 0.50%
77
77th pctile
Tier 1 Capital Ratio
Current: 15.16% · Tier avg: 10.24%
93
93th pctile
Non-Interest Income / Assets
Current: 1.44% · Tier avg: 0.74%
98
98th pctile
Non-Interest-Bearing Deposit Share
Current: 46.40% · Tier avg: 21.05%