BlastPoint's Banking Scorecard

Banesco USA

Mid-Market Specialty: Commercial FL FDIC cert 57815

Miami, FL

201 banks in Mid-Market tier nationally 6 in FL

View Mid-Market leaderboard (FL) →

Banesco USA faces 1 concern requiring attention

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 34% in Mid-Market

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Total Assets ?	$5.5B +24.3% YoY +2.0% QoQ	-$5.0B	$10.5B +2.9% YoY	$4.1B +13.2% YoY	$5.9B +6.5% YoY	Bottom 9% in tier
Total Loans ?	$3.8B +17.1% YoY +4.6% QoQ	-$3.3B	$7.1B +4.5% YoY	$2.9B +14.7% YoY	$3.1B +8.5% YoY	Bottom 13% in tier
Total Deposits ?	$4.6B +26.6% YoY +0.6% QoQ	-$4.0B	$8.5B +3.0% YoY	$3.4B +13.4% YoY	$4.7B +6.3% YoY	Bottom 11% in tier
Return on Assets ?	1.13% +7.9% YoY -0.9% QoQ	-0.03%	1.16% +9.4% YoY	1.01% +12.7% YoY	1.12% +15.6% YoY	46%
Net Interest Margin ?	3.30% +3.7% YoY +1.0% QoQ	-0.10%	3.40% +7.9% YoY	3.69% +4.1% YoY	3.75% +7.1% YoY	39%
Efficiency Ratio ?	56.73% -2.6% YoY +1.5% QoQ	+0.13%	56.60% -3.2% YoY	67.57% -3.0% YoY	65.09% -5.1% YoY	50%
Delinquency Rate ?	0.56% +50.8% YoY -51.9% QoQ	-0.13%	0.68% +12.0% YoY	0.34% -31.5% YoY	0.66% +20.3% YoY	52%
Loan-to-Deposit Ratio ?	83.74% -7.5% YoY +4.0% QoQ	-1.73%	85.47% +1.1% YoY	76.49% +0.5% YoY	78.04% +0.7% YoY	60%
Non-Interest-Bearing Deposit Share ?	31.37% -10.1% YoY +2.3% QoQ	+10.73%	20.64% -0.3% YoY	27.37% -1.6% YoY	21.79% -1.3% YoY	85%
Nonperforming Asset Ratio ?	0.39% +42.1% YoY -50.7% QoQ	-0.11%	0.50% +7.3% YoY	0.26% -19.5% YoY	0.48% +20.8% YoY	54%
Tier 1 Capital Ratio ?	0.00%	-13.55%	13.55% +1.8% YoY	11.37% -0.5% YoY	9.75% -1.9% YoY	Bottom 1% in tier
Non-Interest Income / Assets ?	0.46% -18.6% YoY +36.1% QoQ	-0.49%	0.96% +7.1% YoY	0.85% -7.6% YoY	0.65% +0.6% YoY	30%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (1)

Capital Thin

risk

#18 of 51 · Bottom 34% in Mid-Market

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Risk-Based Capital Ratio: 0.00%

(Tier: 13.55%, National: 9.75%)

worse than tier avg

51 of 51 Mid-Market banks match · 505 nationally

→ Stable +11 banks QoQ | QoQ rank declining

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%

Compare against:

Comparing against 201 peers in Mid-Market tier

Top Strengths

Non-Interest-Bearing Deposit Share

Current: 31.37% · Tier avg: 20.64%

85th pctile

Loan-to-Deposit Ratio

Current: 83.74% · Tier avg: 85.47%

60th pctile

Nonperforming Asset Ratio

Current: 0.39% · Tier avg: 0.50%

54th pctile

Delinquency Rate

Current: 0.56% · Tier avg: 0.68%

52th pctile

Efficiency Ratio

Current: 56.73% · Tier avg: 56.60%

50th pctile

Return on Assets

Current: 1.13% · Tier avg: 1.16%

46th pctile

Net Interest Margin

Current: 3.30% · Tier avg: 3.40%

39th pctile

Non-Interest Income / Assets

Current: 0.46% · Tier avg: 0.96%

30th pctile

Total Loans

Current: $3.8B · Tier avg: $7.1B

13th pctile

Total Deposits

Current: $4.6B · Tier avg: $8.5B

11th pctile

Total Assets

Current: $5.5B · Tier avg: $10.5B

9th pctile

Tier 1 Capital Ratio

Current: 0.00% · Tier avg: 13.55%

0th pctile

Top Weaknesses