BlastPoint's Banking Scorecard
Terrabank, National Association
Community
Specialty: Commercial
FL
FDIC cert 26442
Coral Gables, FL
1484
banks in Community tier nationally
36 in FL
View Community leaderboard (FL) →
Terrabank, National Association shows strong momentum with 3 strengths and 8.3% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.59% below tier
- + Non-Interest-Bearing Deposit Share 39.77% above tier
- + Nonperforming Asset Ratio 0.48% below tier
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 ? |
$853.4M
+8.3% YoY
+2.7% QoQ
|
-$538.0M |
$1.4B
+2.0% YoY
|
$4.1B
+13.2% YoY
|
$5.9B
+6.5% YoY
|
40% |
| Total Loans ? |
$559.4M
+8.2% YoY
+5.2% QoQ
|
-$416.1M |
$975.5M
+2.4% YoY
|
$2.9B
+14.7% YoY
|
$3.1B
+8.5% YoY
|
38% |
| Total Deposits ? |
$771.2M
+6.4% YoY
+2.8% QoQ
|
-$393.4M |
$1.2B
+1.7% YoY
|
$3.4B
+13.4% YoY
|
$4.7B
+6.3% YoY
|
44% |
| Return on Assets ? |
0.94%
+78.5% YoY
+11.2% QoQ
|
-0.23% |
1.16%
+17.2% YoY
|
1.01%
+12.7% YoY
|
1.12%
+15.6% YoY
|
33% |
| Net Interest Margin ? |
3.46%
+20.4% YoY
+1.3% QoQ
|
-0.20% |
3.66%
+9.1% YoY
|
3.69%
+4.1% YoY
|
3.75%
+7.1% YoY
|
40% |
| Efficiency Ratio ? |
67.59%
-12.6% YoY
-2.6% QoQ
|
+4.96% |
62.63%
-5.3% YoY
|
67.57%
-3.0% YoY
|
65.09%
-5.1% YoY
|
33% |
| Delinquency Rate ? |
0.03%
-96.7% YoY
-1.9% QoQ
|
-0.59% |
0.63%
+18.3% YoY
|
0.34%
-31.5% YoY
|
0.66%
+20.3% YoY
|
Top 10% in tier |
| Loan-to-Deposit Ratio ? |
72.53%
+1.7% YoY
+2.4% QoQ
|
-10.53% |
83.06%
+0.3% YoY
|
76.49%
+0.5% YoY
|
78.04%
+0.7% YoY
|
24% |
| Non-Interest-Bearing Deposit Share ? |
60.81%
+5.3% YoY
+2.0% QoQ
|
+39.77% |
21.05%
-0.9% YoY
|
27.37%
-1.6% YoY
|
21.79%
-1.3% YoY
|
Top 1% in tier |
| Nonperforming Asset Ratio ? |
0.02%
-96.7% YoY
+0.6% QoQ
|
-0.48% |
0.50%
+20.3% YoY
|
0.26%
-19.5% YoY
|
0.48%
+20.8% YoY
|
Top 9% in tier |
| Tier 1 Capital Ratio ? |
15.70%
+3.6% YoY
-0.7% QoQ
|
+5.45% |
10.24%
-0.6% YoY
|
11.37%
-0.5% YoY
|
9.75%
-1.9% YoY
|
81% |
| Non-Interest Income / Assets ? |
0.76%
+8.0% YoY
+31.4% QoQ
|
+0.02% |
0.74%
-1.3% YoY
|
0.85%
-7.6% YoY
|
0.65%
+0.6% YoY
|
75% |
Signature Analysis
Strengths (3)
Delinquency Rate
metric
Top 10%
in Community
Why this stands out
Current:
0.03%
(Tier avg: 0.63%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Top 1%
in Community
Why this stands out
Current:
60.81%
(Tier avg: 21.05%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Top 9%
in Community
Why this stands out
Current:
0.02%
(Tier avg: 0.50%, National avg: 0.48%)
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
99
99th pctile
Non-Interest-Bearing Deposit Share
Current: 60.81% · Tier avg: 21.05%
91
91th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.50%
90
90th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.63%
81
81th pctile
Tier 1 Capital Ratio
Current: 15.70% · Tier avg: 10.24%
75
75th pctile
Non-Interest Income / Assets
Current: 0.76% · Tier avg: 0.74%
44
44th pctile
Total Deposits
Current: $771.2M · Tier avg: $1.2B
40
40th pctile
Net Interest Margin
Current: 3.46% · Tier avg: 3.66%
40
40th pctile
Total Assets
Current: $853.4M · Tier avg: $1.4B
38
38th pctile
Total Loans
Current: $559.4M · Tier avg: $975.5M
33
33th pctile
Return on Assets
Current: 0.94% · Tier avg: 1.16%
33
33th pctile
Efficiency Ratio
Current: 67.59% · Tier avg: 62.63%
24
24th pctile
Loan-to-Deposit Ratio
Current: 72.53% · Tier avg: 83.06%
Top Weaknesses
24
24th pctile
Loan-to-Deposit Ratio
Current: 72.53% · Tier avg: 83.06%
33
33th pctile
Efficiency Ratio
Current: 67.59% · Tier avg: 62.63%
33
33th pctile
Return on Assets
Current: 0.94% · Tier avg: 1.16%
38
38th pctile
Total Loans
Current: $559.4M · Tier avg: $975.5M
40
40th pctile
Total Assets
Current: $853.4M · Tier avg: $1.4B
40
40th pctile
Net Interest Margin
Current: 3.46% · Tier avg: 3.66%
44
44th pctile
Total Deposits
Current: $771.2M · Tier avg: $1.2B
75
75th pctile
Non-Interest Income / Assets
Current: 0.76% · Tier avg: 0.74%
81
81th pctile
Tier 1 Capital Ratio
Current: 15.70% · Tier avg: 10.24%
90
90th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.63%
91
91th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.50%
99
99th pctile
Non-Interest-Bearing Deposit Share
Current: 60.81% · Tier avg: 21.05%