BlastPoint's Banking Scorecard
Edison National Bank
Micro
Specialty: Other
FL
FDIC cert 34489
Designations: ✓ Community bank
Fort Myers, FL
2498
banks in Micro tier nationally
35 in FL
View Micro leaderboard (FL) →
Edison National Bank demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Loan-to-Deposit Ratio 34.43% below tier
- + Nonperforming Asset Ratio 0.45% below tier
- + Tier 1 Capital Ratio 16.91% 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 ? |
$426.9M
+0.1% YoY
+4.6% QoQ
|
+$209.4M |
$217.5M
+2.3% YoY
|
$4.1B
+13.2% YoY
|
$5.9B
+6.5% YoY
|
Top 8% in tier |
| Total Loans ? |
$150.8M
-2.6% YoY
+2.3% QoQ
|
+$11.6M |
$139.2M
+2.8% YoY
|
$2.9B
+14.7% YoY
|
$3.1B
+8.5% YoY
|
60% |
| Total Deposits ? |
$376.0M
+0.1% YoY
+5.3% QoQ
|
+$192.4M |
$183.7M
+1.8% YoY
|
$3.4B
+13.4% YoY
|
$4.7B
+6.3% YoY
|
Top 6% in tier |
| Return on Assets ? |
0.71%
-42.8% YoY
-4.7% QoQ
|
-0.37% |
1.08%
+14.7% YoY
|
1.01%
+12.7% YoY
|
1.12%
+15.6% YoY
|
29% |
| Net Interest Margin ? |
3.25%
-11.2% YoY
-1.4% QoQ
|
-0.61% |
3.85%
+6.6% YoY
|
3.69%
+4.1% YoY
|
3.75%
+7.1% YoY
|
24% |
| Efficiency Ratio ? |
79.39%
+15.6% YoY
+1.0% QoQ
|
+11.66% |
67.73%
-4.8% YoY
|
67.57%
-3.0% YoY
|
65.09%
-5.1% YoY
|
21% |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.34%
-31.5% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
40.10%
-2.8% YoY
-2.9% QoQ
|
-34.43% |
74.53%
+0.5% YoY
|
76.49%
+0.5% YoY
|
78.04%
+0.7% YoY
|
Top 6% in tier |
| Non-Interest-Bearing Deposit Share ? |
28.51%
-6.4% YoY
+5.6% QoQ
|
+6.11% |
22.39%
-1.3% YoY
|
27.37%
-1.6% YoY
|
21.79%
-1.3% YoY
|
75% |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.26%
-19.5% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
25.76%
+4.4% YoY
-2.9% QoQ
|
+16.91% |
8.85%
-3.4% YoY
|
11.37%
-0.5% YoY
|
9.75%
-1.9% YoY
|
Top 6% in tier |
| Non-Interest Income / Assets ? |
0.36%
+15.9% YoY
+30.3% QoQ
|
-0.21% |
0.56%
+0.3% YoY
|
0.85%
-7.6% YoY
|
0.65%
+0.6% YoY
|
50% |
Signature Analysis
Strengths (4)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Top 6%
in Micro
Why this stands out
Current:
40.10%
(Tier avg: 74.53%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Tier 1 Capital Ratio
metric
Top 6%
in Micro
Why this stands out
Current:
25.76%
(Tier avg: 8.85%, National avg: 9.75%)
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
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
94
94th pctile
Loan-to-Deposit Ratio
Current: 40.10% · Tier avg: 74.53%
94
94th pctile
Total Deposits
Current: $376.0M · Tier avg: $183.7M
94
94th pctile
Tier 1 Capital Ratio
Current: 25.76% · Tier avg: 8.85%
92
92th pctile
Total Assets
Current: $426.9M · Tier avg: $217.5M
75
75th pctile
Non-Interest-Bearing Deposit Share
Current: 28.51% · Tier avg: 22.39%
60
60th pctile
Total Loans
Current: $150.8M · Tier avg: $139.2M
50
50th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.56%
29
29th pctile
Return on Assets
Current: 0.71% · Tier avg: 1.08%
24
24th pctile
Net Interest Margin
Current: 3.25% · Tier avg: 3.85%
21
21th pctile
Efficiency Ratio
Current: 79.39% · Tier avg: 67.73%
Top Weaknesses
21
21th pctile
Efficiency Ratio
Current: 79.39% · Tier avg: 67.73%
24
24th pctile
Net Interest Margin
Current: 3.25% · Tier avg: 3.85%
29
29th pctile
Return on Assets
Current: 0.71% · Tier avg: 1.08%
50
50th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.56%
60
60th pctile
Total Loans
Current: $150.8M · Tier avg: $139.2M
75
75th pctile
Non-Interest-Bearing Deposit Share
Current: 28.51% · Tier avg: 22.39%
92
92th pctile
Total Assets
Current: $426.9M · Tier avg: $217.5M
94
94th pctile
Tier 1 Capital Ratio
Current: 25.76% · Tier avg: 8.85%
94
94th pctile
Total Deposits
Current: $376.0M · Tier avg: $183.7M
94
94th pctile
Loan-to-Deposit Ratio
Current: 40.10% · Tier avg: 74.53%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%