BlastPoint's Banking Scorecard
Desjardins Bank, National Association
Micro
Specialty: Mortgage
FL
FDIC cert 33565
Designations: ✓ Community bank
Hallandale, FL
2498
banks in Micro tier nationally
35 in FL
View Micro leaderboard (FL) →
Desjardins Bank, National Association demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 56.72% 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 ? |
$353.1M
-0.2% YoY
+5.6% QoQ
|
+$135.6M |
$217.5M
+2.3% YoY
|
$4.1B
+13.2% YoY
|
$5.9B
+6.5% YoY
|
81% |
| Total Loans ? |
$268.8M
+0.5% YoY
+2.6% QoQ
|
+$129.6M |
$139.2M
+2.8% YoY
|
$2.9B
+14.7% YoY
|
$3.1B
+8.5% YoY
|
Top 12% in tier |
| Total Deposits ? |
$285.8M
+3.3% YoY
+11.0% QoQ
|
+$102.1M |
$183.7M
+1.8% YoY
|
$3.4B
+13.4% YoY
|
$4.7B
+6.3% YoY
|
79% |
| Return on Assets ? |
1.27%
-33.5% YoY
-15.2% QoQ
|
+0.18% |
1.08%
+14.7% YoY
|
1.01%
+12.7% YoY
|
1.12%
+15.6% YoY
|
63% |
| Net Interest Margin ? |
4.44%
+0.8% YoY
-0.2% QoQ
|
+0.58% |
3.85%
+6.6% YoY
|
3.69%
+4.1% YoY
|
3.75%
+7.1% YoY
|
77% |
| Efficiency Ratio ? |
67.46%
+22.5% YoY
+7.8% QoQ
|
-0.27% |
67.73%
-4.8% YoY
|
67.57%
-3.0% YoY
|
65.09%
-5.1% YoY
|
46% |
| Delinquency Rate ? | 0.70% | +0.06% |
0.64%
+24.4% YoY
|
0.34%
-31.5% YoY
|
0.66%
+20.3% YoY
|
37% |
| Loan-to-Deposit Ratio ? |
94.07%
-2.7% YoY
-7.6% QoQ
|
+19.54% |
74.53%
+0.5% YoY
|
76.49%
+0.5% YoY
|
78.04%
+0.7% YoY
|
16% |
| Non-Interest-Bearing Deposit Share ? |
79.11%
-3.9% YoY
+1.5% QoQ
|
+56.72% |
22.39%
-1.3% YoY
|
27.37%
-1.6% YoY
|
21.79%
-1.3% YoY
|
Top 1% in tier |
| Nonperforming Asset Ratio ? | 0.53% | +0.08% |
0.45%
+25.1% YoY
|
0.26%
-19.5% YoY
|
0.48%
+20.8% YoY
|
35% |
| 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 ? |
0.79%
-2.8% YoY
+23.5% QoQ
|
+0.23% |
0.56%
+0.3% YoY
|
0.85%
-7.6% YoY
|
0.65%
+0.6% YoY
|
Top 13% in tier |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 1%
in Micro
Why this stands out
Current:
79.11%
(Tier avg: 22.39%, National avg: 21.79%)
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
100
100th pctile
Non-Interest-Bearing Deposit Share
Current: 79.11% · Tier avg: 22.39%
88
88th pctile
Total Loans
Current: $268.8M · Tier avg: $139.2M
87
87th pctile
Non-Interest Income / Assets
Current: 0.79% · Tier avg: 0.56%
81
81th pctile
Total Assets
Current: $353.1M · Tier avg: $217.5M
79
79th pctile
Total Deposits
Current: $285.8M · Tier avg: $183.7M
77
77th pctile
Net Interest Margin
Current: 4.44% · Tier avg: 3.85%
63
63th pctile
Return on Assets
Current: 1.27% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
46
46th pctile
Efficiency Ratio
Current: 67.46% · Tier avg: 67.73%
37
37th pctile
Delinquency Rate
Current: 0.70% · Tier avg: 0.64%
35
35th pctile
Nonperforming Asset Ratio
Current: 0.53% · Tier avg: 0.45%
16
16th pctile
Loan-to-Deposit Ratio
Current: 94.07% · Tier avg: 74.53%
Top Weaknesses
16
16th pctile
Loan-to-Deposit Ratio
Current: 94.07% · Tier avg: 74.53%
35
35th pctile
Nonperforming Asset Ratio
Current: 0.53% · Tier avg: 0.45%
37
37th pctile
Delinquency Rate
Current: 0.70% · Tier avg: 0.64%
46
46th pctile
Efficiency Ratio
Current: 67.46% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
63
63th pctile
Return on Assets
Current: 1.27% · Tier avg: 1.08%
77
77th pctile
Net Interest Margin
Current: 4.44% · Tier avg: 3.85%
79
79th pctile
Total Deposits
Current: $285.8M · Tier avg: $183.7M
81
81th pctile
Total Assets
Current: $353.1M · Tier avg: $217.5M
87
87th pctile
Non-Interest Income / Assets
Current: 0.79% · Tier avg: 0.56%
88
88th pctile
Total Loans
Current: $268.8M · Tier avg: $139.2M
100
100th pctile
Non-Interest-Bearing Deposit Share
Current: 79.11% · Tier avg: 22.39%