BlastPoint's Banking Scorecard
Brannen Bank
Community
Specialty: Other
FL
FDIC cert 5676
Inverness, FL
1484
banks in Community tier nationally
36 in FL
View Community leaderboard (FL) →
Brannen Bank shows strong momentum with 3 strengths and 11.9% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 0.86% above tier
- + Loan-to-Deposit Ratio 33.36% below tier
- + Non-Interest-Bearing Deposit Share 14.47% 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 ? |
$1.1B
+11.9% YoY
+10.3% QoQ
|
-$320.6M |
$1.4B
+2.0% YoY
|
$4.1B
+13.2% YoY
|
$5.9B
+6.5% YoY
|
54% |
| Total Loans ? |
$515.0M
+10.7% YoY
+2.8% QoQ
|
-$460.5M |
$975.5M
+2.4% YoY
|
$2.9B
+14.7% YoY
|
$3.1B
+8.5% YoY
|
33% |
| Total Deposits ? |
$1.0B
+11.0% YoY
+11.1% QoQ
|
-$128.4M |
$1.2B
+1.7% YoY
|
$3.4B
+13.4% YoY
|
$4.7B
+6.3% YoY
|
61% |
| Return on Assets ? |
2.02%
+0.4% YoY
+0.8% QoQ
|
+0.86% |
1.16%
+17.2% YoY
|
1.01%
+12.7% YoY
|
1.12%
+15.6% YoY
|
Top 9% in tier |
| Net Interest Margin ? |
3.64%
+0.7% YoY
+0.1% QoQ
|
-0.03% |
3.66%
+9.1% YoY
|
3.69%
+4.1% YoY
|
3.75%
+7.1% YoY
|
49% |
| Efficiency Ratio ? |
46.75%
+0.6% YoY
-0.8% QoQ
|
-15.88% |
62.63%
-5.3% YoY
|
67.57%
-3.0% YoY
|
65.09%
-5.1% YoY
|
Top 10% in tier |
| Delinquency Rate ? |
0.54%
+37.4% YoY
+25.1% QoQ
|
-0.09% |
0.63%
+18.3% YoY
|
0.34%
-31.5% YoY
|
0.66%
+20.3% YoY
|
44% |
| Loan-to-Deposit Ratio ? |
49.70%
-0.3% YoY
-7.4% QoQ
|
-33.36% |
83.06%
+0.3% YoY
|
76.49%
+0.5% YoY
|
78.04%
+0.7% YoY
|
Top 3% in tier |
| Non-Interest-Bearing Deposit Share ? |
35.52%
+9.3% YoY
+19.3% QoQ
|
+14.47% |
21.05%
-0.9% YoY
|
27.37%
-1.6% YoY
|
21.79%
-1.3% YoY
|
Top 8% in tier |
| Nonperforming Asset Ratio ? |
0.27%
+41.6% YoY
+15.2% QoQ
|
-0.23% |
0.50%
+20.3% YoY
|
0.26%
-19.5% YoY
|
0.48%
+20.8% YoY
|
57% |
| Tier 1 Capital Ratio ? |
14.03%
-0.9% YoY
-6.9% QoQ
|
+3.78% |
10.24%
-0.6% YoY
|
11.37%
-0.5% YoY
|
9.75%
-1.9% YoY
|
68% |
| Non-Interest Income / Assets ? |
0.25%
-12.5% YoY
+20.3% QoQ
|
-0.49% |
0.74%
-1.3% YoY
|
0.85%
-7.6% YoY
|
0.65%
+0.6% YoY
|
16% |
Signature Analysis
Strengths (3)
Return on Assets
metric
Top 9%
in Community
Why this stands out
Current:
2.02%
(Tier avg: 1.16%, National avg: 1.12%)
Loan-to-Deposit Ratio
metric
Top 3%
in Community
Why this stands out
Current:
49.70%
(Tier avg: 83.06%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Top 8%
in Community
Why this stands out
Current:
35.52%
(Tier avg: 21.05%, National avg: 21.79%)
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
97
97th pctile
Loan-to-Deposit Ratio
Current: 49.70% · Tier avg: 83.06%
92
92th pctile
Non-Interest-Bearing Deposit Share
Current: 35.52% · Tier avg: 21.05%
91
91th pctile
Return on Assets
Current: 2.02% · Tier avg: 1.16%
90
90th pctile
Efficiency Ratio
Current: 46.75% · Tier avg: 62.63%
68
68th pctile
Tier 1 Capital Ratio
Current: 14.03% · Tier avg: 10.24%
61
61th pctile
Total Deposits
Current: $1.0B · Tier avg: $1.2B
57
57th pctile
Nonperforming Asset Ratio
Current: 0.27% · Tier avg: 0.50%
54
54th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
49
49th pctile
Net Interest Margin
Current: 3.64% · Tier avg: 3.66%
44
44th pctile
Delinquency Rate
Current: 0.54% · Tier avg: 0.63%
33
33th pctile
Total Loans
Current: $515.0M · Tier avg: $975.5M
16
16th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.74%
Top Weaknesses
16
16th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.74%
33
33th pctile
Total Loans
Current: $515.0M · Tier avg: $975.5M
44
44th pctile
Delinquency Rate
Current: 0.54% · Tier avg: 0.63%
49
49th pctile
Net Interest Margin
Current: 3.64% · Tier avg: 3.66%
54
54th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
57
57th pctile
Nonperforming Asset Ratio
Current: 0.27% · Tier avg: 0.50%
61
61th pctile
Total Deposits
Current: $1.0B · Tier avg: $1.2B
68
68th pctile
Tier 1 Capital Ratio
Current: 14.03% · Tier avg: 10.24%
90
90th pctile
Efficiency Ratio
Current: 46.75% · Tier avg: 62.63%
91
91th pctile
Return on Assets
Current: 2.02% · Tier avg: 1.16%
92
92th pctile
Non-Interest-Bearing Deposit Share
Current: 35.52% · Tier avg: 21.05%
97
97th pctile
Loan-to-Deposit Ratio
Current: 49.70% · Tier avg: 83.06%