BlastPoint's Banking Scorecard
First National Bank of Pasco
Micro
Specialty: Commercial
FL
FDIC cert 26829
Designations: ✓ Community bank
Dade City, FL
2498
banks in Micro tier nationally
35 in FL
View Micro leaderboard (FL) →
First National Bank of Pasco has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 17.31% above tier
Key Concerns
Areas that may need attention
- - Return on Assets 1.00% below tier
- - Efficiency Ratio 29.00% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$287.3M
-7.7% YoY
-3.7% QoQ
|
+$69.8M |
$217.5M
+2.3% YoY
|
$4.1B
+13.2% YoY
|
$5.9B
+6.5% YoY
|
70% |
| Total Loans ? |
$183.0M
-2.0% YoY
-1.0% QoQ
|
+$43.8M |
$139.2M
+2.8% YoY
|
$2.9B
+14.7% YoY
|
$3.1B
+8.5% YoY
|
70% |
| Total Deposits ? |
$241.4M
-9.0% YoY
-4.6% QoQ
|
+$57.8M |
$183.7M
+1.8% YoY
|
$3.4B
+13.4% YoY
|
$4.7B
+6.3% YoY
|
69% |
| Return on Assets ? |
0.08%
-55.8% YoY
+615.9% QoQ
|
-1.00% |
1.08%
+14.7% YoY
|
1.01%
+12.7% YoY
|
1.12%
+15.6% YoY
|
Bottom 8% in tier |
| Net Interest Margin ? |
3.63%
+6.1% YoY
+1.4% QoQ
|
-0.22% |
3.85%
+6.6% YoY
|
3.69%
+4.1% YoY
|
3.75%
+7.1% YoY
|
41% |
| Efficiency Ratio ? |
96.73%
+2.6% YoY
-3.0% QoQ
|
+29.00% |
67.73%
-4.8% YoY
|
67.57%
-3.0% YoY
|
65.09%
-5.1% YoY
|
Bottom 6% in tier |
| Delinquency Rate ? |
0.36%
+488.7% YoY
-7.1% QoQ
|
-0.28% |
0.64%
+24.4% YoY
|
0.34%
-31.5% YoY
|
0.66%
+20.3% YoY
|
52% |
| Loan-to-Deposit Ratio ? |
75.80%
+7.7% YoY
+3.8% QoQ
|
+1.27% |
74.53%
+0.5% YoY
|
76.49%
+0.5% YoY
|
78.04%
+0.7% YoY
|
51% |
| Non-Interest-Bearing Deposit Share ? |
39.70%
-5.9% YoY
+49.7% QoQ
|
+17.31% |
22.39%
-1.3% YoY
|
27.37%
-1.6% YoY
|
21.79%
-1.3% YoY
|
Top 7% in tier |
| Nonperforming Asset Ratio ? |
0.23%
+525.1% YoY
-4.5% QoQ
|
-0.23% |
0.45%
+25.1% YoY
|
0.26%
-19.5% YoY
|
0.48%
+20.8% YoY
|
54% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
11.37%
-0.5% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.70%
+0.9% YoY
+30.0% QoQ
|
+0.14% |
0.56%
+0.3% YoY
|
0.85%
-7.6% YoY
|
0.65%
+0.6% YoY
|
83% |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 7%
in Micro
Why this stands out
Current:
39.70%
(Tier avg: 22.39%, National avg: 21.79%)
Concerns (2)
Return on Assets
metric
Bottom 8%
in Micro
Why this stands out
Current:
0.08%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 6%
in Micro
Why this stands out
Current:
96.73%
(Tier avg: 67.73%, National avg: 65.09%)
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
93
93th pctile
Non-Interest-Bearing Deposit Share
Current: 39.70% · Tier avg: 22.39%
83
83th pctile
Non-Interest Income / Assets
Current: 0.70% · Tier avg: 0.56%
70
70th pctile
Total Loans
Current: $183.0M · Tier avg: $139.2M
70
70th pctile
Total Assets
Current: $287.3M · Tier avg: $217.5M
69
69th pctile
Total Deposits
Current: $241.4M · Tier avg: $183.7M
54
54th pctile
Nonperforming Asset Ratio
Current: 0.23% · Tier avg: 0.45%
52
52th pctile
Delinquency Rate
Current: 0.36% · Tier avg: 0.64%
51
51th pctile
Loan-to-Deposit Ratio
Current: 75.80% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
41
41th pctile
Net Interest Margin
Current: 3.63% · Tier avg: 3.85%
8
8th pctile
Return on Assets
Current: 0.08% · Tier avg: 1.08%
6
6th pctile
Efficiency Ratio
Current: 96.73% · Tier avg: 67.73%
Top Weaknesses
6
6th pctile
Efficiency Ratio
Current: 96.73% · Tier avg: 67.73%
8
8th pctile
Return on Assets
Current: 0.08% · Tier avg: 1.08%
41
41th pctile
Net Interest Margin
Current: 3.63% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
51
51th pctile
Loan-to-Deposit Ratio
Current: 75.80% · Tier avg: 74.53%
52
52th pctile
Delinquency Rate
Current: 0.36% · Tier avg: 0.64%
54
54th pctile
Nonperforming Asset Ratio
Current: 0.23% · Tier avg: 0.45%
69
69th pctile
Total Deposits
Current: $241.4M · Tier avg: $183.7M
70
70th pctile
Total Assets
Current: $287.3M · Tier avg: $217.5M
70
70th pctile
Total Loans
Current: $183.0M · Tier avg: $139.2M
83
83th pctile
Non-Interest Income / Assets
Current: 0.70% · Tier avg: 0.56%
93
93th pctile
Non-Interest-Bearing Deposit Share
Current: 39.70% · Tier avg: 22.39%