BlastPoint's Banking Scorecard
Surety Bank
Micro
Specialty: Commercial
FL
FDIC cert 33026
Designations: ✓ Community bank
Deland, FL
2498
banks in Micro tier nationally
35 in FL
View Micro leaderboard (FL) →
Surety Bank demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.34% above tier
- + Non-Interest-Bearing Deposit Share 14.56% above tier
- + Tier 1 Capital Ratio 16.61% above tier
- + Non-Interest Income / Assets 3.36% above 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 ? |
$192.6M
+0.0% YoY
-5.7% QoQ
|
-$24.9M |
$217.5M
+2.3% YoY
|
$4.1B
+13.2% YoY
|
$5.9B
+6.5% YoY
|
49% |
| Total Loans ? |
$88.5M
+24.5% YoY
+10.4% QoQ
|
-$50.7M |
$139.2M
+2.8% YoY
|
$2.9B
+14.7% YoY
|
$3.1B
+8.5% YoY
|
38% |
| Total Deposits ? |
$165.8M
-3.8% YoY
-9.1% QoQ
|
-$17.8M |
$183.7M
+1.8% YoY
|
$3.4B
+13.4% YoY
|
$4.7B
+6.3% YoY
|
50% |
| Return on Assets ? |
2.43%
-6.7% YoY
+1.8% QoQ
|
+1.34% |
1.08%
+14.7% YoY
|
1.01%
+12.7% YoY
|
1.12%
+15.6% YoY
|
Top 4% in tier |
| Net Interest Margin ? |
3.52%
-4.6% YoY
+3.3% QoQ
|
-0.33% |
3.85%
+6.6% YoY
|
3.69%
+4.1% YoY
|
3.75%
+7.1% YoY
|
35% |
| Efficiency Ratio ? |
60.52%
+5.9% YoY
-0.7% QoQ
|
-7.21% |
67.73%
-4.8% YoY
|
67.57%
-3.0% YoY
|
65.09%
-5.1% YoY
|
66% |
| Delinquency Rate ? |
0.29%
-35.9% YoY
-15.2% QoQ
|
-0.35% |
0.64%
+24.4% YoY
|
0.34%
-31.5% YoY
|
0.66%
+20.3% YoY
|
55% |
| Loan-to-Deposit Ratio ? |
53.35%
+29.3% YoY
+21.4% QoQ
|
-21.17% |
74.53%
+0.5% YoY
|
76.49%
+0.5% YoY
|
78.04%
+0.7% YoY
|
84% |
| Non-Interest-Bearing Deposit Share ? |
36.96%
-9.2% YoY
-7.9% QoQ
|
+14.56% |
22.39%
-1.3% YoY
|
27.37%
-1.6% YoY
|
21.79%
-1.3% YoY
|
Top 9% in tier |
| Nonperforming Asset Ratio ? |
0.14%
-20.3% YoY
-0.8% QoQ
|
-0.32% |
0.45%
+25.1% YoY
|
0.26%
-19.5% YoY
|
0.48%
+20.8% YoY
|
63% |
| Tier 1 Capital Ratio ? |
25.46%
-8.7% YoY
-5.9% QoQ
|
+16.61% |
8.85%
-3.4% YoY
|
11.37%
-0.5% YoY
|
9.75%
-1.9% YoY
|
Top 7% in tier |
| Non-Interest Income / Assets ? |
3.92%
+4.8% YoY
+38.6% QoQ
|
+3.36% |
0.56%
+0.3% YoY
|
0.85%
-7.6% YoY
|
0.65%
+0.6% YoY
|
Top 1% in tier |
Signature Analysis
Strengths (4)
Return on Assets
metric
Top 4%
in Micro
Why this stands out
Current:
2.43%
(Tier avg: 1.08%, National avg: 1.12%)
Non-Interest-Bearing Deposit Share
metric
Top 9%
in Micro
Why this stands out
Current:
36.96%
(Tier avg: 22.39%, National avg: 21.79%)
Tier 1 Capital Ratio
metric
Top 7%
in Micro
Why this stands out
Current:
25.46%
(Tier avg: 8.85%, National avg: 9.75%)
Non-Interest Income / Assets
metric
Top 1%
in Micro
Why this stands out
Current:
3.92%
(Tier avg: 0.56%, National avg: 0.65%)
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 Income / Assets
Current: 3.92% · Tier avg: 0.56%
96
96th pctile
Return on Assets
Current: 2.43% · Tier avg: 1.08%
93
93th pctile
Tier 1 Capital Ratio
Current: 25.46% · Tier avg: 8.85%
91
91th pctile
Non-Interest-Bearing Deposit Share
Current: 36.96% · Tier avg: 22.39%
84
84th pctile
Loan-to-Deposit Ratio
Current: 53.35% · Tier avg: 74.53%
66
66th pctile
Efficiency Ratio
Current: 60.52% · Tier avg: 67.73%
63
63th pctile
Nonperforming Asset Ratio
Current: 0.14% · Tier avg: 0.45%
55
55th pctile
Delinquency Rate
Current: 0.29% · Tier avg: 0.64%
50
50th pctile
Total Deposits
Current: $165.8M · Tier avg: $183.7M
49
49th pctile
Total Assets
Current: $192.6M · Tier avg: $217.5M
38
38th pctile
Total Loans
Current: $88.5M · Tier avg: $139.2M
35
35th pctile
Net Interest Margin
Current: 3.52% · Tier avg: 3.85%
Top Weaknesses
35
35th pctile
Net Interest Margin
Current: 3.52% · Tier avg: 3.85%
38
38th pctile
Total Loans
Current: $88.5M · Tier avg: $139.2M
49
49th pctile
Total Assets
Current: $192.6M · Tier avg: $217.5M
50
50th pctile
Total Deposits
Current: $165.8M · Tier avg: $183.7M
55
55th pctile
Delinquency Rate
Current: 0.29% · Tier avg: 0.64%
63
63th pctile
Nonperforming Asset Ratio
Current: 0.14% · Tier avg: 0.45%
66
66th pctile
Efficiency Ratio
Current: 60.52% · Tier avg: 67.73%
84
84th pctile
Loan-to-Deposit Ratio
Current: 53.35% · Tier avg: 74.53%
91
91th pctile
Non-Interest-Bearing Deposit Share
Current: 36.96% · Tier avg: 22.39%
93
93th pctile
Tier 1 Capital Ratio
Current: 25.46% · Tier avg: 8.85%
96
96th pctile
Return on Assets
Current: 2.43% · Tier avg: 1.08%
99
99th pctile
Non-Interest Income / Assets
Current: 3.92% · Tier avg: 0.56%