BlastPoint's Banking Scorecard
The First National Bank of Mount Dora
Micro
Specialty: Other
FL
FDIC cert 3579
Designations: ✓ Community bank
Mount Dora, FL
2498
banks in Micro tier nationally
35 in FL
View Micro leaderboard (FL) →
The First National Bank of Mount Dora demonstrates 3 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 33.48% below tier
- + Non-Interest-Bearing Deposit Share 24.19% above tier
- + Non-Interest Income / Assets 1.96% 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 ? |
$361.8M
+3.0% YoY
-3.2% QoQ
|
+$144.3M |
$217.5M
+2.3% YoY
|
$4.1B
+13.2% YoY
|
$5.9B
+6.5% YoY
|
82% |
| Total Loans ? |
$132.1M
+11.9% YoY
-0.4% QoQ
|
-$7.1M |
$139.2M
+2.8% YoY
|
$2.9B
+14.7% YoY
|
$3.1B
+8.5% YoY
|
54% |
| Total Deposits ? |
$321.8M
+1.5% YoY
-3.8% QoQ
|
+$138.1M |
$183.7M
+1.8% YoY
|
$3.4B
+13.4% YoY
|
$4.7B
+6.3% YoY
|
Top 15% in tier |
| Return on Assets ? |
0.55%
-23.6% YoY
-5.9% QoQ
|
-0.54% |
1.08%
+14.7% YoY
|
1.01%
+12.7% YoY
|
1.12%
+15.6% YoY
|
20% |
| Net Interest Margin ? |
2.89%
+10.9% YoY
+2.0% QoQ
|
-0.97% |
3.85%
+6.6% YoY
|
3.69%
+4.1% YoY
|
3.75%
+7.1% YoY
|
Bottom 13% in tier |
| Efficiency Ratio ? |
86.90%
+4.6% YoY
+0.5% QoQ
|
+19.18% |
67.73%
-4.8% YoY
|
67.57%
-3.0% YoY
|
65.09%
-5.1% YoY
|
Bottom 11% in tier |
| Delinquency Rate ? |
0.55%
+160.7% YoY
+374.2% QoQ
|
-0.09% |
0.64%
+24.4% YoY
|
0.34%
-31.5% YoY
|
0.66%
+20.3% YoY
|
43% |
| Loan-to-Deposit Ratio ? |
41.05%
+10.2% YoY
+3.5% QoQ
|
-33.48% |
74.53%
+0.5% YoY
|
76.49%
+0.5% YoY
|
78.04%
+0.7% YoY
|
Top 7% in tier |
| Non-Interest-Bearing Deposit Share ? |
46.58%
+10.0% YoY
+21.2% QoQ
|
+24.19% |
22.39%
-1.3% YoY
|
27.37%
-1.6% YoY
|
21.79%
-1.3% YoY
|
Top 3% in tier |
| Nonperforming Asset Ratio ? |
0.20%
+183.2% YoY
+388.1% QoQ
|
-0.25% |
0.45%
+25.1% YoY
|
0.26%
-19.5% YoY
|
0.48%
+20.8% YoY
|
56% |
| Tier 1 Capital Ratio ? |
0.00%
-100.0% YoY
|
-8.85% |
8.85%
-3.4% YoY
|
11.37%
-0.5% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
2.52%
-5.3% YoY
+38.5% QoQ
|
+1.96% |
0.56%
+0.3% YoY
|
0.85%
-7.6% YoY
|
0.65%
+0.6% YoY
|
Top 2% in tier |
Signature Analysis
Strengths (3)
Loan-to-Deposit Ratio
metric
Top 7%
in Micro
Why this stands out
Current:
41.05%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Top 3%
in Micro
Why this stands out
Current:
46.58%
(Tier avg: 22.39%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Top 2%
in Micro
Why this stands out
Current:
2.52%
(Tier avg: 0.56%, National avg: 0.65%)
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
98
98th pctile
Non-Interest Income / Assets
Current: 2.52% · Tier avg: 0.56%
97
97th pctile
Non-Interest-Bearing Deposit Share
Current: 46.58% · Tier avg: 22.39%
93
93th pctile
Loan-to-Deposit Ratio
Current: 41.05% · Tier avg: 74.53%
85
85th pctile
Total Deposits
Current: $321.8M · Tier avg: $183.7M
82
82th pctile
Total Assets
Current: $361.8M · Tier avg: $217.5M
56
56th pctile
Nonperforming Asset Ratio
Current: 0.20% · Tier avg: 0.45%
54
54th pctile
Total Loans
Current: $132.1M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
43
43th pctile
Delinquency Rate
Current: 0.55% · Tier avg: 0.64%
20
20th pctile
Return on Assets
Current: 0.55% · Tier avg: 1.08%
13
13th pctile
Net Interest Margin
Current: 2.89% · Tier avg: 3.85%
11
11th pctile
Efficiency Ratio
Current: 86.90% · Tier avg: 67.73%
Top Weaknesses
11
11th pctile
Efficiency Ratio
Current: 86.90% · Tier avg: 67.73%
13
13th pctile
Net Interest Margin
Current: 2.89% · Tier avg: 3.85%
20
20th pctile
Return on Assets
Current: 0.55% · Tier avg: 1.08%
43
43th pctile
Delinquency Rate
Current: 0.55% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
54
54th pctile
Total Loans
Current: $132.1M · Tier avg: $139.2M
56
56th pctile
Nonperforming Asset Ratio
Current: 0.20% · Tier avg: 0.45%
82
82th pctile
Total Assets
Current: $361.8M · Tier avg: $217.5M
85
85th pctile
Total Deposits
Current: $321.8M · Tier avg: $183.7M
93
93th pctile
Loan-to-Deposit Ratio
Current: 41.05% · Tier avg: 74.53%
97
97th pctile
Non-Interest-Bearing Deposit Share
Current: 46.58% · Tier avg: 22.39%
98
98th pctile
Non-Interest Income / Assets
Current: 2.52% · Tier avg: 0.56%