BlastPoint's Banking Scorecard
Marine Bank & Trust Company
Community
Specialty: Commercial
FL
FDIC cert 34233
Vero Beach, FL
1484
banks in Community tier nationally
36 in FL
View Community leaderboard (FL) →
Marine Bank & Trust Company has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 36% in Community
- + Nonperforming Asset Ratio 0.48% below tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 2% in Community
- - Credit Risk Growth: Bottom 20% in Community
- - Flatlined Growth: Bottom 33% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$657.3M
+1.8% YoY
+3.5% QoQ
|
-$734.2M |
$1.4B
+2.0% YoY
|
$4.1B
+13.2% YoY
|
$5.9B
+6.5% YoY
|
22% |
| Total Loans ? |
$468.8M
+6.1% YoY
+4.4% QoQ
|
-$506.7M |
$975.5M
+2.4% YoY
|
$2.9B
+14.7% YoY
|
$3.1B
+8.5% YoY
|
25% |
| Total Deposits ? |
$580.8M
+2.1% YoY
+1.2% QoQ
|
-$583.8M |
$1.2B
+1.7% YoY
|
$3.4B
+13.4% YoY
|
$4.7B
+6.3% YoY
|
26% |
| Return on Assets ? |
0.67%
+34.5% YoY
+6.7% QoQ
|
-0.49% |
1.16%
+17.2% YoY
|
1.01%
+12.7% YoY
|
1.12%
+15.6% YoY
|
18% |
| Net Interest Margin ? |
2.94%
+10.9% YoY
+1.2% QoQ
|
-0.72% |
3.66%
+9.1% YoY
|
3.69%
+4.1% YoY
|
3.75%
+7.1% YoY
|
15% |
| Efficiency Ratio ? |
71.24%
-4.2% YoY
-2.0% QoQ
|
+8.61% |
62.63%
-5.3% YoY
|
67.57%
-3.0% YoY
|
65.09%
-5.1% YoY
|
24% |
| Delinquency Rate ? | 0.02% | -0.61% |
0.63%
+18.3% YoY
|
0.34%
-31.5% YoY
|
0.66%
+20.3% YoY
|
Top 8% in tier |
| Loan-to-Deposit Ratio ? |
80.72%
+3.9% YoY
+3.2% QoQ
|
-2.35% |
83.06%
+0.3% YoY
|
76.49%
+0.5% YoY
|
78.04%
+0.7% YoY
|
61% |
| Non-Interest-Bearing Deposit Share ? |
26.36%
-9.6% YoY
-7.4% QoQ
|
+5.32% |
21.05%
-0.9% YoY
|
27.37%
-1.6% YoY
|
21.79%
-1.3% YoY
|
74% |
| Nonperforming Asset Ratio ? | 0.01% | -0.48% |
0.50%
+20.3% YoY
|
0.26%
-19.5% YoY
|
0.48%
+20.8% YoY
|
Top 8% in tier |
| Tier 1 Capital Ratio ? |
14.70%
+4.5% YoY
+1.2% QoQ
|
+4.46% |
10.24%
-0.6% YoY
|
11.37%
-0.5% YoY
|
9.75%
-1.9% YoY
|
74% |
| Non-Interest Income / Assets ? |
0.30%
-2.2% YoY
+30.7% QoQ
|
-0.44% |
0.74%
-1.3% YoY
|
0.85%
-7.6% YoY
|
0.65%
+0.6% YoY
|
23% |
Signature Analysis
Strengths (2)
Credit Quality Leader
growth
#133 of 371 · Top 36% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.02%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Nonperforming Asset Ratio
metric
Top 8%
in Community
Why this stands out
Current:
0.01%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (3)
Credit Quality Pressure
risk
#20 of 808 · Bottom 2% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.02%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
Credit Risk Growth
risk
#132 of 642 · Bottom 20% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
Flatlined Growth
risk
#81 of 245 · Bottom 33% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
0.67%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
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
92
92th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.50%
92
92th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.63%
74
74th pctile
Non-Interest-Bearing Deposit Share
Current: 26.36% · Tier avg: 21.05%
74
74th pctile
Tier 1 Capital Ratio
Current: 14.70% · Tier avg: 10.24%
61
61th pctile
Loan-to-Deposit Ratio
Current: 80.72% · Tier avg: 83.06%
26
26th pctile
Total Deposits
Current: $580.8M · Tier avg: $1.2B
25
25th pctile
Total Loans
Current: $468.8M · Tier avg: $975.5M
24
24th pctile
Efficiency Ratio
Current: 71.24% · Tier avg: 62.63%
23
23th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.74%
22
22th pctile
Total Assets
Current: $657.3M · Tier avg: $1.4B
18
18th pctile
Return on Assets
Current: 0.67% · Tier avg: 1.16%
15
15th pctile
Net Interest Margin
Current: 2.94% · Tier avg: 3.66%
Top Weaknesses
15
15th pctile
Net Interest Margin
Current: 2.94% · Tier avg: 3.66%
18
18th pctile
Return on Assets
Current: 0.67% · Tier avg: 1.16%
22
22th pctile
Total Assets
Current: $657.3M · Tier avg: $1.4B
23
23th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.74%
24
24th pctile
Efficiency Ratio
Current: 71.24% · Tier avg: 62.63%
25
25th pctile
Total Loans
Current: $468.8M · Tier avg: $975.5M
26
26th pctile
Total Deposits
Current: $580.8M · Tier avg: $1.2B
61
61th pctile
Loan-to-Deposit Ratio
Current: 80.72% · Tier avg: 83.06%
74
74th pctile
Tier 1 Capital Ratio
Current: 14.70% · Tier avg: 10.24%
74
74th pctile
Non-Interest-Bearing Deposit Share
Current: 26.36% · Tier avg: 21.05%
92
92th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.63%
92
92th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.50%