BlastPoint's Banking Scorecard
Sunstate Bank
Community
Specialty: Commercial
FL
FDIC cert 34643
Miami, FL
1484
banks in Community tier nationally
36 in FL
View Community leaderboard (FL) →
Sunstate Bank demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.63% below tier
- + Nonperforming Asset Ratio 0.50% below 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 ? |
$569.0M
+4.2% YoY
-0.2% QoQ
|
-$822.5M |
$1.4B
+2.0% YoY
|
$4.1B
+13.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 10% in tier |
| Total Loans ? |
$330.3M
+10.7% YoY
+1.0% QoQ
|
-$645.2M |
$975.5M
+2.4% YoY
|
$2.9B
+14.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 7% in tier |
| Total Deposits ? |
$483.4M
+8.2% YoY
+0.5% QoQ
|
-$681.2M |
$1.2B
+1.7% YoY
|
$3.4B
+13.4% YoY
|
$4.7B
+6.3% YoY
|
Bottom 10% in tier |
| Return on Assets ? |
0.57%
+21.8% YoY
-0.9% QoQ
|
-0.60% |
1.16%
+17.2% YoY
|
1.01%
+12.7% YoY
|
1.12%
+15.6% YoY
|
Bottom 14% in tier |
| Net Interest Margin ? |
3.30%
+0.8% YoY
-0.6% QoQ
|
-0.37% |
3.66%
+9.1% YoY
|
3.69%
+4.1% YoY
|
3.75%
+7.1% YoY
|
30% |
| Efficiency Ratio ? |
76.74%
-5.9% YoY
+2.4% QoQ
|
+14.10% |
62.63%
-5.3% YoY
|
67.57%
-3.0% YoY
|
65.09%
-5.1% YoY
|
Bottom 14% in tier |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.63% |
0.63%
+18.3% YoY
|
0.34%
-31.5% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
68.32%
+2.3% YoY
+0.5% QoQ
|
-14.74% |
83.06%
+0.3% YoY
|
76.49%
+0.5% YoY
|
78.04%
+0.7% YoY
|
83% |
| Non-Interest-Bearing Deposit Share ? |
24.74%
-0.6% YoY
+0.2% QoQ
|
+3.70% |
21.05%
-0.9% YoY
|
27.37%
-1.6% YoY
|
21.79%
-1.3% YoY
|
69% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.50% |
0.50%
+20.3% YoY
|
0.26%
-19.5% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
13.21%
-9.7% YoY
-1.7% QoQ
|
+2.96% |
10.24%
-0.6% YoY
|
11.37%
-0.5% YoY
|
9.75%
-1.9% YoY
|
60% |
| Non-Interest Income / Assets ? |
0.54%
+7.0% YoY
+38.5% QoQ
|
-0.20% |
0.74%
-1.3% YoY
|
0.85%
-7.6% YoY
|
0.65%
+0.6% YoY
|
53% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.50%, National avg: 0.48%)
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: 0.63%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
83
83th pctile
Loan-to-Deposit Ratio
Current: 68.32% · Tier avg: 83.06%
69
69th pctile
Non-Interest-Bearing Deposit Share
Current: 24.74% · Tier avg: 21.05%
60
60th pctile
Tier 1 Capital Ratio
Current: 13.21% · Tier avg: 10.24%
53
53th pctile
Non-Interest Income / Assets
Current: 0.54% · Tier avg: 0.74%
30
30th pctile
Net Interest Margin
Current: 3.30% · Tier avg: 3.66%
14
14th pctile
Efficiency Ratio
Current: 76.74% · Tier avg: 62.63%
14
14th pctile
Return on Assets
Current: 0.57% · Tier avg: 1.16%
10
10th pctile
Total Deposits
Current: $483.4M · Tier avg: $1.2B
10
10th pctile
Total Assets
Current: $569.0M · Tier avg: $1.4B
7
7th pctile
Total Loans
Current: $330.3M · Tier avg: $975.5M
Top Weaknesses
7
7th pctile
Total Loans
Current: $330.3M · Tier avg: $975.5M
10
10th pctile
Total Assets
Current: $569.0M · Tier avg: $1.4B
10
10th pctile
Total Deposits
Current: $483.4M · Tier avg: $1.2B
14
14th pctile
Return on Assets
Current: 0.57% · Tier avg: 1.16%
14
14th pctile
Efficiency Ratio
Current: 76.74% · Tier avg: 62.63%
30
30th pctile
Net Interest Margin
Current: 3.30% · Tier avg: 3.66%
53
53th pctile
Non-Interest Income / Assets
Current: 0.54% · Tier avg: 0.74%
60
60th pctile
Tier 1 Capital Ratio
Current: 13.21% · Tier avg: 10.24%
69
69th pctile
Non-Interest-Bearing Deposit Share
Current: 24.74% · Tier avg: 21.05%
83
83th pctile
Loan-to-Deposit Ratio
Current: 68.32% · Tier avg: 83.06%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%