BlastPoint's Banking Scorecard
The Bancorp Bank, National Association
Mid-Market
Specialty: Commercial
SD
FDIC cert 35444
Sioux Falls, SD
201
banks in Mid-Market tier nationally
2 in SD
View Mid-Market leaderboard (SD) →
The Bancorp Bank, National Association has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 6% in Mid-Market
- + Deposit Franchise: Top 10% in Mid-Market
- + Profitability Leader: Top 40% in Mid-Market
- + Efficiency Ratio 17.11% below tier
Key Concerns
Areas that may need attention
- - Nonperforming Asset Ratio 1.17% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$9.3B
+7.4% YoY
+9.0% QoQ
|
-$1.1B |
$10.5B
+2.9% YoY
|
$66.4B
+7.5% YoY
|
$5.9B
+6.5% YoY
|
59% |
| Total Loans ? |
$7.2B
+14.3% YoY
+6.5% QoQ
|
+$58.5M |
$7.1B
+4.5% YoY
|
$30.0B
+8.4% YoY
|
$3.1B
+8.5% YoY
|
65% |
| Total Deposits ? |
$8.2B
+5.4% YoY
+10.1% QoQ
|
-$363.3M |
$8.5B
+3.0% YoY
|
$53.6B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
63% |
| Return on Assets ? |
2.81%
-2.9% YoY
-3.1% QoQ
|
+1.65% |
1.16%
+9.4% YoY
|
1.30%
+9.7% YoY
|
1.12%
+15.6% YoY
|
Top 3% in tier |
| Net Interest Margin ? |
6.00%
-5.3% YoY
-1.9% QoQ
|
+2.60% |
3.40%
+7.9% YoY
|
4.04%
+12.2% YoY
|
3.75%
+7.1% YoY
|
Top 3% in tier |
| Efficiency Ratio ? |
39.50%
-14.0% YoY
-0.4% QoQ
|
-17.11% |
56.60%
-3.2% YoY
|
61.23%
-7.1% YoY
|
65.09%
-5.1% YoY
|
Top 9% in tier |
| Delinquency Rate ? |
1.32%
+50.3% YoY
-19.5% QoQ
|
+0.64% |
0.68%
+12.0% YoY
|
0.56%
+87.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 15% in tier |
| Loan-to-Deposit Ratio ? |
87.94%
+8.4% YoY
-3.3% QoQ
|
+2.47% |
85.47%
+1.1% YoY
|
73.14%
+0.4% YoY
|
78.04%
+0.7% YoY
|
48% |
| Non-Interest-Bearing Deposit Share ? |
88.96%
+5.2% YoY
-4.4% QoQ
|
+68.32% |
20.64%
-0.3% YoY
|
20.56%
-1.2% YoY
|
21.79%
-1.3% YoY
|
Top 1% in tier |
| Nonperforming Asset Ratio ? |
1.66%
+23.6% YoY
-17.3% QoQ
|
+1.17% |
0.50%
+7.3% YoY
|
0.38%
+94.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 6% in tier |
| Tier 1 Capital Ratio ? |
14.03%
-8.0% YoY
-4.3% QoQ
|
+0.48% |
13.55%
+1.8% YoY
|
11.53%
-0.1% YoY
|
9.75%
-1.9% YoY
|
71% |
| Non-Interest Income / Assets ? |
3.52%
+94.6% YoY
+21.5% QoQ
|
+2.56% |
0.96%
+7.1% YoY
|
1.02%
-4.1% YoY
|
0.65%
+0.6% YoY
|
Top 3% in tier |
Signature Analysis
Strengths (4)
Revenue Diversifier
growth
#4 of 49 · Top 6% in Mid-Market
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
3.52%
(Tier: 0.96%, National: 0.65%)
Return on Assets:
2.81%
(Tier: 1.16%, National: 1.12%)
49 of 49 Mid-Market banks match
·
441 nationally
→ Stable
+4 banks QoQ
Deposit Franchise
growth
#3 of 22 · Top 10% in Mid-Market
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
88.96%
(Tier: 20.64%, National: 21.79%)
Net Interest Margin:
6.00%
(Tier: 3.40%, National: 3.75%)
22 of 22 Mid-Market banks match
·
176 nationally
→ Stable
+2 banks QoQ
Profitability Leader
growth
#21 of 51 · Top 40% in Mid-Market
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.81%
(Tier: 1.16%, National: 1.12%)
51 of 51 Mid-Market banks match
·
444 nationally
→ Stable
+5 banks QoQ
Efficiency Ratio
metric
Top 9%
in Mid-Market
Why this stands out
Current:
39.50%
(Tier avg: 56.60%, National avg: 65.09%)
Concerns (1)
Nonperforming Asset Ratio
metric
Bottom 6%
in Mid-Market
Why this stands out
Current:
1.66%
(Tier avg: 0.50%, National avg: 0.48%)
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
Non-Interest-Bearing Deposit Share
Current: 88.96% · Tier avg: 20.64%
97
97th pctile
Net Interest Margin
Current: 6.00% · Tier avg: 3.40%
97
97th pctile
Non-Interest Income / Assets
Current: 3.52% · Tier avg: 0.96%
97
97th pctile
Return on Assets
Current: 2.81% · Tier avg: 1.16%
91
91th pctile
Efficiency Ratio
Current: 39.50% · Tier avg: 56.60%
71
71th pctile
Tier 1 Capital Ratio
Current: 14.03% · Tier avg: 13.55%
65
65th pctile
Total Loans
Current: $7.2B · Tier avg: $7.1B
63
63th pctile
Total Deposits
Current: $8.2B · Tier avg: $8.5B
59
59th pctile
Total Assets
Current: $9.3B · Tier avg: $10.5B
48
48th pctile
Loan-to-Deposit Ratio
Current: 87.94% · Tier avg: 85.47%
15
15th pctile
Delinquency Rate
Current: 1.32% · Tier avg: 0.68%
6
6th pctile
Nonperforming Asset Ratio
Current: 1.66% · Tier avg: 0.50%
Top Weaknesses
6
6th pctile
Nonperforming Asset Ratio
Current: 1.66% · Tier avg: 0.50%
15
15th pctile
Delinquency Rate
Current: 1.32% · Tier avg: 0.68%
48
48th pctile
Loan-to-Deposit Ratio
Current: 87.94% · Tier avg: 85.47%
59
59th pctile
Total Assets
Current: $9.3B · Tier avg: $10.5B
63
63th pctile
Total Deposits
Current: $8.2B · Tier avg: $8.5B
65
65th pctile
Total Loans
Current: $7.2B · Tier avg: $7.1B
71
71th pctile
Tier 1 Capital Ratio
Current: 14.03% · Tier avg: 13.55%
91
91th pctile
Efficiency Ratio
Current: 39.50% · Tier avg: 56.60%
97
97th pctile
Return on Assets
Current: 2.81% · Tier avg: 1.16%
97
97th pctile
Non-Interest Income / Assets
Current: 3.52% · Tier avg: 0.96%
97
97th pctile
Net Interest Margin
Current: 6.00% · Tier avg: 3.40%
100
100th pctile
Non-Interest-Bearing Deposit Share
Current: 88.96% · Tier avg: 20.64%