BlastPoint's Banking Scorecard
Natbank, National Association
Micro
Specialty: Mortgage
FL
FDIC cert 33959
Designations: ✓ Community bank
Hollywood, FL
2498
banks in Micro tier nationally
35 in FL
View Micro leaderboard (FL) →
Natbank, National Association has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 31.94% above tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 36.35% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$279.0M
+19.3% YoY
+7.2% QoQ
|
+$61.5M |
$217.5M
+2.3% YoY
|
$4.1B
+13.2% YoY
|
$5.9B
+6.5% YoY
|
68% |
| Total Loans ? |
$211.0M
+10.1% YoY
+0.3% QoQ
|
+$71.8M |
$139.2M
+2.8% YoY
|
$2.9B
+14.7% YoY
|
$3.1B
+8.5% YoY
|
76% |
| Total Deposits ? |
$190.3M
+3.0% YoY
-6.6% QoQ
|
+$6.7M |
$183.7M
+1.8% YoY
|
$3.4B
+13.4% YoY
|
$4.7B
+6.3% YoY
|
57% |
| Return on Assets ? |
0.37%
+205.8% YoY
+77.4% QoQ
|
-0.72% |
1.08%
+14.7% YoY
|
1.01%
+12.7% YoY
|
1.12%
+15.6% YoY
|
Bottom 14% in tier |
| Net Interest Margin ? |
4.14%
-2.1% YoY
+2.9% QoQ
|
+0.29% |
3.85%
+6.6% YoY
|
3.69%
+4.1% YoY
|
3.75%
+7.1% YoY
|
65% |
| Efficiency Ratio ? |
88.56%
-7.9% YoY
-5.7% QoQ
|
+20.84% |
67.73%
-4.8% YoY
|
67.57%
-3.0% YoY
|
65.09%
-5.1% YoY
|
Bottom 10% in tier |
| Delinquency Rate ? |
0.14%
-37.7% YoY
-37.4% QoQ
|
-0.50% |
0.64%
+24.4% YoY
|
0.34%
-31.5% YoY
|
0.66%
+20.3% YoY
|
67% |
| Loan-to-Deposit Ratio ? |
110.87%
+7.0% YoY
+7.5% QoQ
|
+36.35% |
74.53%
+0.5% YoY
|
76.49%
+0.5% YoY
|
78.04%
+0.7% YoY
|
Bottom 3% in tier |
| Non-Interest-Bearing Deposit Share ? |
54.33%
-11.3% YoY
+8.6% QoQ
|
+31.94% |
22.39%
-1.3% YoY
|
27.37%
-1.6% YoY
|
21.79%
-1.3% YoY
|
Top 2% in tier |
| Nonperforming Asset Ratio ? |
0.11%
-42.5% YoY
-41.5% QoQ
|
-0.35% |
0.45%
+25.1% YoY
|
0.26%
-19.5% YoY
|
0.48%
+20.8% YoY
|
67% |
| Tier 1 Capital Ratio ? |
67.27%
+82.0% YoY
+85.3% QoQ
|
+58.42% |
8.85%
-3.4% YoY
|
11.37%
-0.5% YoY
|
9.75%
-1.9% YoY
|
- |
| Non-Interest Income / Assets ? |
0.28%
-3.4% YoY
+22.4% QoQ
|
-0.28% |
0.56%
+0.3% YoY
|
0.85%
-7.6% YoY
|
0.65%
+0.6% YoY
|
38% |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 2%
in Micro
Why this stands out
Current:
54.33%
(Tier avg: 22.39%, National avg: 21.79%)
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 3%
in Micro
Why this stands out
Current:
110.87%
(Tier avg: 74.53%, National avg: 78.04%)
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
98
98th pctile
Non-Interest-Bearing Deposit Share
Current: 54.33% · Tier avg: 22.39%
76
76th pctile
Total Loans
Current: $211.0M · Tier avg: $139.2M
68
68th pctile
Total Assets
Current: $279.0M · Tier avg: $217.5M
67
67th pctile
Delinquency Rate
Current: 0.14% · Tier avg: 0.64%
67
67th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.45%
65
65th pctile
Net Interest Margin
Current: 4.14% · Tier avg: 3.85%
57
57th pctile
Total Deposits
Current: $190.3M · Tier avg: $183.7M
38
38th pctile
Non-Interest Income / Assets
Current: 0.28% · Tier avg: 0.56%
14
14th pctile
Return on Assets
Current: 0.37% · Tier avg: 1.08%
10
10th pctile
Efficiency Ratio
Current: 88.56% · Tier avg: 67.73%
3
3th pctile
Loan-to-Deposit Ratio
Current: 110.87% · Tier avg: 74.53%
Top Weaknesses
3
3th pctile
Loan-to-Deposit Ratio
Current: 110.87% · Tier avg: 74.53%
10
10th pctile
Efficiency Ratio
Current: 88.56% · Tier avg: 67.73%
14
14th pctile
Return on Assets
Current: 0.37% · Tier avg: 1.08%
38
38th pctile
Non-Interest Income / Assets
Current: 0.28% · Tier avg: 0.56%
57
57th pctile
Total Deposits
Current: $190.3M · Tier avg: $183.7M
65
65th pctile
Net Interest Margin
Current: 4.14% · Tier avg: 3.85%
67
67th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.45%
67
67th pctile
Delinquency Rate
Current: 0.14% · Tier avg: 0.64%
68
68th pctile
Total Assets
Current: $279.0M · Tier avg: $217.5M
76
76th pctile
Total Loans
Current: $211.0M · Tier avg: $139.2M
98
98th pctile
Non-Interest-Bearing Deposit Share
Current: 54.33% · Tier avg: 22.39%