BlastPoint's Banking Scorecard
BTG Pactual Bank, National Association
Community
Specialty: Other
NY
FDIC cert 35154
New York, NY
1484
banks in Community tier nationally
50 in NY
View Community leaderboard (NY) →
BTG Pactual Bank, National Association faces 6 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 1% in Community
- - NIB Deposit Bleed: Bottom 6% in Community
- - Liquidity Overhang: Bottom 19% in Community
- - Return on Assets 0.88% below tier
- - Net Interest Margin 1.37% below tier
- - Non-Interest Income / Assets 0.70% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$887.8M
+118.8% YoY
+124.2% QoQ
|
-$503.7M |
$1.4B
+2.0% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
42% |
| Total Loans ? |
$280.7M
+5.8% YoY
-0.9% QoQ
|
-$694.8M |
$975.5M
+2.4% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
Bottom 4% in tier |
| Total Deposits ? |
$368.0M
+21.7% YoY
+28.5% QoQ
|
-$796.6M |
$1.2B
+1.7% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
Bottom 1% in tier |
| Return on Assets ? |
0.29%
-63.8% YoY
-1.6% QoQ
|
-0.88% |
1.16%
+17.2% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
Bottom 6% in tier |
| Net Interest Margin ? |
2.30%
-16.1% YoY
-16.5% QoQ
|
-1.37% |
3.66%
+9.1% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 4% in tier |
| Efficiency Ratio ? |
81.65%
-5.5% YoY
-2.9% QoQ
|
+19.02% |
62.63%
-5.3% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
Bottom 9% in tier |
| Delinquency Rate ? |
0.23%
-13.2% YoY
+0.4% QoQ
|
-0.40% |
0.63%
+18.3% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
68% |
| Loan-to-Deposit Ratio ? |
76.28%
-13.1% YoY
-22.9% QoQ
|
-6.79% |
83.06%
+0.3% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
31% |
| Non-Interest-Bearing Deposit Share ? |
13.04%
-51.0% YoY
-43.7% QoQ
|
-8.00% |
21.05%
-0.9% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
18% |
| Nonperforming Asset Ratio ? |
0.07%
-58.0% YoY
-55.6% QoQ
|
-0.42% |
0.50%
+20.3% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
83% |
| Tier 1 Capital Ratio ? |
197.28%
+906.7% YoY
+926.3% QoQ
|
+187.03% |
10.24%
-0.6% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
- |
| Non-Interest Income / Assets ? |
0.04%
-57.1% YoY
-39.8% QoQ
|
-0.70% |
0.74%
-1.3% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
Bottom 1% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (6)
Efficiency Drag
risk
#3 of 152 · Bottom 1% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
81.65%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
NIB Deposit Bleed
decline
#6 of 89 · Bottom 6% in Community
Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Why this signature
Noninterest-Bearing Deposit Share:
13.04%
(Tier: 21.05%, National: 21.79%)
89 of 89 Community banks match
·
98 nationally
→ Stable
-10 banks QoQ
Liquidity Overhang
risk
#52 of 268 · Bottom 19% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
197.28%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
76.28%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
Return on Assets
metric
Bottom 6%
in Community
Why this stands out
Current:
0.29%
(Tier avg: 1.16%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 4%
in Community
Why this stands out
Current:
2.30%
(Tier avg: 3.66%, National avg: 3.75%)
Non-Interest Income / Assets
metric
Bottom 1%
in Community
Why this stands out
Current:
0.04%
(Tier avg: 0.74%, National avg: 0.65%)
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
83
83th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.50%
68
68th pctile
Delinquency Rate
Current: 0.23% · Tier avg: 0.63%
42
42th pctile
Total Assets
Current: $887.8M · Tier avg: $1.4B
31
31th pctile
Loan-to-Deposit Ratio
Current: 76.28% · Tier avg: 83.06%
18
18th pctile
Non-Interest-Bearing Deposit Share
Current: 13.04% · Tier avg: 21.05%
9
9th pctile
Efficiency Ratio
Current: 81.65% · Tier avg: 62.63%
6
6th pctile
Return on Assets
Current: 0.29% · Tier avg: 1.16%
4
4th pctile
Total Loans
Current: $280.7M · Tier avg: $975.5M
4
4th pctile
Net Interest Margin
Current: 2.30% · Tier avg: 3.66%
1
1th pctile
Non-Interest Income / Assets
Current: 0.04% · Tier avg: 0.74%
0
0th pctile
Total Deposits
Current: $368.0M · Tier avg: $1.2B
Top Weaknesses
0
0th pctile
Total Deposits
Current: $368.0M · Tier avg: $1.2B
1
1th pctile
Non-Interest Income / Assets
Current: 0.04% · Tier avg: 0.74%
4
4th pctile
Net Interest Margin
Current: 2.30% · Tier avg: 3.66%
4
4th pctile
Total Loans
Current: $280.7M · Tier avg: $975.5M
6
6th pctile
Return on Assets
Current: 0.29% · Tier avg: 1.16%
9
9th pctile
Efficiency Ratio
Current: 81.65% · Tier avg: 62.63%
18
18th pctile
Non-Interest-Bearing Deposit Share
Current: 13.04% · Tier avg: 21.05%
31
31th pctile
Loan-to-Deposit Ratio
Current: 76.28% · Tier avg: 83.06%
42
42th pctile
Total Assets
Current: $887.8M · Tier avg: $1.4B
68
68th pctile
Delinquency Rate
Current: 0.23% · Tier avg: 0.63%
83
83th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.50%