BlastPoint's Banking Scorecard
Banco do Brasil Americas
Community
Specialty: Mortgage
FL
FDIC cert 26725
Miami, FL
1484
banks in Community tier nationally
36 in FL
View Community leaderboard (FL) →
Banco do Brasil Americas has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 13.35% above tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 42% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.2B
+13.2% YoY
-0.0% QoQ
|
+$1.8B |
$1.4B
+2.0% YoY
|
$4.1B
+13.2% YoY
|
$5.9B
+6.5% YoY
|
Top 7% in tier |
| Total Loans ? |
$2.0B
+21.2% YoY
+1.7% QoQ
|
+$989.2M |
$975.5M
+2.4% YoY
|
$2.9B
+14.7% YoY
|
$3.1B
+8.5% YoY
|
Top 11% in tier |
| Total Deposits ? |
$2.8B
+12.5% YoY
+0.3% QoQ
|
+$1.7B |
$1.2B
+1.7% YoY
|
$3.4B
+13.4% YoY
|
$4.7B
+6.3% YoY
|
Top 6% in tier |
| Return on Assets ? |
1.63%
-1.7% YoY
-1.5% QoQ
|
+0.47% |
1.16%
+17.2% YoY
|
1.01%
+12.7% YoY
|
1.12%
+15.6% YoY
|
80% |
| Net Interest Margin ? |
3.94%
+4.3% YoY
+0.2% QoQ
|
+0.28% |
3.66%
+9.1% YoY
|
3.69%
+4.1% YoY
|
3.75%
+7.1% YoY
|
67% |
| Efficiency Ratio ? |
46.88%
+4.2% YoY
+5.4% QoQ
|
-15.75% |
62.63%
-5.3% YoY
|
67.57%
-3.0% YoY
|
65.09%
-5.1% YoY
|
Top 10% in tier |
| Delinquency Rate ? |
0.77%
+91.2% YoY
-9.1% QoQ
|
+0.14% |
0.63%
+18.3% YoY
|
0.34%
-31.5% YoY
|
0.66%
+20.3% YoY
|
33% |
| Loan-to-Deposit Ratio ? |
69.14%
+7.8% YoY
+1.4% QoQ
|
-13.93% |
83.06%
+0.3% YoY
|
76.49%
+0.5% YoY
|
78.04%
+0.7% YoY
|
82% |
| Non-Interest-Bearing Deposit Share ? |
33.01%
-14.8% YoY
-4.4% QoQ
|
+11.97% |
21.05%
-0.9% YoY
|
27.37%
-1.6% YoY
|
21.79%
-1.3% YoY
|
Top 11% in tier |
| Nonperforming Asset Ratio ? |
0.48%
+107.7% YoY
-7.4% QoQ
|
-0.02% |
0.50%
+20.3% YoY
|
0.26%
-19.5% YoY
|
0.48%
+20.8% YoY
|
40% |
| Tier 1 Capital Ratio ? |
23.59%
-3.7% YoY
+4.4% QoQ
|
+13.35% |
10.24%
-0.6% YoY
|
11.37%
-0.5% YoY
|
9.75%
-1.9% YoY
|
Top 3% in tier |
| Non-Interest Income / Assets ? |
0.48%
+4.6% YoY
+38.7% QoQ
|
-0.26% |
0.74%
-1.3% YoY
|
0.85%
-7.6% YoY
|
0.65%
+0.6% YoY
|
45% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 3%
in Community
Why this stands out
Current:
23.59%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (1)
Liquidity Overhang
risk
#112 of 268 · Bottom 42% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
23.59%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
69.14%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
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
97
97th pctile
Tier 1 Capital Ratio
Current: 23.59% · Tier avg: 10.24%
94
94th pctile
Total Deposits
Current: $2.8B · Tier avg: $1.2B
93
93th pctile
Total Assets
Current: $3.2B · Tier avg: $1.4B
90
90th pctile
Efficiency Ratio
Current: 46.88% · Tier avg: 62.63%
89
89th pctile
Non-Interest-Bearing Deposit Share
Current: 33.01% · Tier avg: 21.05%
89
89th pctile
Total Loans
Current: $2.0B · Tier avg: $975.5M
82
82th pctile
Loan-to-Deposit Ratio
Current: 69.14% · Tier avg: 83.06%
80
80th pctile
Return on Assets
Current: 1.63% · Tier avg: 1.16%
67
67th pctile
Net Interest Margin
Current: 3.94% · Tier avg: 3.66%
45
45th pctile
Non-Interest Income / Assets
Current: 0.48% · Tier avg: 0.74%
40
40th pctile
Nonperforming Asset Ratio
Current: 0.48% · Tier avg: 0.50%
33
33th pctile
Delinquency Rate
Current: 0.77% · Tier avg: 0.63%
Top Weaknesses
33
33th pctile
Delinquency Rate
Current: 0.77% · Tier avg: 0.63%
40
40th pctile
Nonperforming Asset Ratio
Current: 0.48% · Tier avg: 0.50%
45
45th pctile
Non-Interest Income / Assets
Current: 0.48% · Tier avg: 0.74%
67
67th pctile
Net Interest Margin
Current: 3.94% · Tier avg: 3.66%
80
80th pctile
Return on Assets
Current: 1.63% · Tier avg: 1.16%
82
82th pctile
Loan-to-Deposit Ratio
Current: 69.14% · Tier avg: 83.06%
89
89th pctile
Total Loans
Current: $2.0B · Tier avg: $975.5M
89
89th pctile
Non-Interest-Bearing Deposit Share
Current: 33.01% · Tier avg: 21.05%
90
90th pctile
Efficiency Ratio
Current: 46.88% · Tier avg: 62.63%
93
93th pctile
Total Assets
Current: $3.2B · Tier avg: $1.4B
94
94th pctile
Total Deposits
Current: $2.8B · Tier avg: $1.2B
97
97th pctile
Tier 1 Capital Ratio
Current: 23.59% · Tier avg: 10.24%