BlastPoint's Banking Scorecard
Paradise Bank
Micro
Specialty: Commercial
FL
FDIC cert 58030
Designations: ✓ Community bank
Boca Raton, FL
2498
banks in Micro tier nationally
35 in FL
View Micro leaderboard (FL) →
Paradise Bank shows strong momentum with 3 strengths and 5.4% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.46% above tier
- + Net Interest Margin 1.52% above tier
- + Non-Interest Income / Assets 0.47% 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 ? |
$435.1M
+5.4% YoY
-1.0% QoQ
|
+$217.6M |
$217.5M
+2.3% YoY
|
$4.1B
+13.2% YoY
|
$5.9B
+6.5% YoY
|
Top 7% in tier |
| Total Loans ? |
$308.3M
+5.6% YoY
-2.0% QoQ
|
+$169.1M |
$139.2M
+2.8% YoY
|
$2.9B
+14.7% YoY
|
$3.1B
+8.5% YoY
|
Top 7% in tier |
| Total Deposits ? |
$400.5M
+5.0% YoY
-0.4% QoQ
|
+$216.8M |
$183.7M
+1.8% YoY
|
$3.4B
+13.4% YoY
|
$4.7B
+6.3% YoY
|
Top 3% in tier |
| Return on Assets ? |
2.55%
-16.9% YoY
-9.0% QoQ
|
+1.46% |
1.08%
+14.7% YoY
|
1.01%
+12.7% YoY
|
1.12%
+15.6% YoY
|
Top 3% in tier |
| Net Interest Margin ? |
5.38%
-9.1% YoY
-0.5% QoQ
|
+1.52% |
3.85%
+6.6% YoY
|
3.69%
+4.1% YoY
|
3.75%
+7.1% YoY
|
Top 5% in tier |
| Efficiency Ratio ? |
56.05%
+5.8% YoY
+6.4% QoQ
|
-11.67% |
67.73%
-4.8% YoY
|
67.57%
-3.0% YoY
|
65.09%
-5.1% YoY
|
78% |
| Delinquency Rate ? |
0.27%
-12.6% YoY
+131.2% QoQ
|
-0.37% |
0.64%
+24.4% YoY
|
0.34%
-31.5% YoY
|
0.66%
+20.3% YoY
|
57% |
| Loan-to-Deposit Ratio ? |
76.98%
+0.5% YoY
-1.6% QoQ
|
+2.45% |
74.53%
+0.5% YoY
|
76.49%
+0.5% YoY
|
78.04%
+0.7% YoY
|
48% |
| Non-Interest-Bearing Deposit Share ? |
31.00%
+0.2% YoY
+1.0% QoQ
|
+8.61% |
22.39%
-1.3% YoY
|
27.37%
-1.6% YoY
|
21.79%
-1.3% YoY
|
81% |
| Nonperforming Asset Ratio ? |
0.19%
-12.4% YoY
+128.9% QoQ
|
-0.26% |
0.45%
+25.1% YoY
|
0.26%
-19.5% YoY
|
0.48%
+20.8% YoY
|
58% |
| Tier 1 Capital Ratio ? |
12.37%
+2.9% YoY
+0.6% QoQ
|
+3.52% |
8.85%
-3.4% YoY
|
11.37%
-0.5% YoY
|
9.75%
-1.9% YoY
|
60% |
| Non-Interest Income / Assets ? |
1.03%
-16.7% YoY
+21.3% QoQ
|
+0.47% |
0.56%
+0.3% YoY
|
0.85%
-7.6% YoY
|
0.65%
+0.6% YoY
|
Top 7% in tier |
Signature Analysis
Strengths (3)
Return on Assets
metric
Top 3%
in Micro
Why this stands out
Current:
2.55%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 5%
in Micro
Why this stands out
Current:
5.38%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest Income / Assets
metric
Top 7%
in Micro
Why this stands out
Current:
1.03%
(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
97
97th pctile
Return on Assets
Current: 2.55% · Tier avg: 1.08%
97
97th pctile
Total Deposits
Current: $400.5M · Tier avg: $183.7M
95
95th pctile
Net Interest Margin
Current: 5.38% · Tier avg: 3.85%
93
93th pctile
Total Loans
Current: $308.3M · Tier avg: $139.2M
93
93th pctile
Total Assets
Current: $435.1M · Tier avg: $217.5M
93
93th pctile
Non-Interest Income / Assets
Current: 1.03% · Tier avg: 0.56%
81
81th pctile
Non-Interest-Bearing Deposit Share
Current: 31.00% · Tier avg: 22.39%
78
78th pctile
Efficiency Ratio
Current: 56.05% · Tier avg: 67.73%
60
60th pctile
Tier 1 Capital Ratio
Current: 12.37% · Tier avg: 8.85%
58
58th pctile
Nonperforming Asset Ratio
Current: 0.19% · Tier avg: 0.45%
57
57th pctile
Delinquency Rate
Current: 0.27% · Tier avg: 0.64%
48
48th pctile
Loan-to-Deposit Ratio
Current: 76.98% · Tier avg: 74.53%
Top Weaknesses
48
48th pctile
Loan-to-Deposit Ratio
Current: 76.98% · Tier avg: 74.53%
57
57th pctile
Delinquency Rate
Current: 0.27% · Tier avg: 0.64%
58
58th pctile
Nonperforming Asset Ratio
Current: 0.19% · Tier avg: 0.45%
60
60th pctile
Tier 1 Capital Ratio
Current: 12.37% · Tier avg: 8.85%
78
78th pctile
Efficiency Ratio
Current: 56.05% · Tier avg: 67.73%
81
81th pctile
Non-Interest-Bearing Deposit Share
Current: 31.00% · Tier avg: 22.39%
93
93th pctile
Non-Interest Income / Assets
Current: 1.03% · Tier avg: 0.56%
93
93th pctile
Total Assets
Current: $435.1M · Tier avg: $217.5M
93
93th pctile
Total Loans
Current: $308.3M · Tier avg: $139.2M
95
95th pctile
Net Interest Margin
Current: 5.38% · Tier avg: 3.85%
97
97th pctile
Total Deposits
Current: $400.5M · Tier avg: $183.7M
97
97th pctile
Return on Assets
Current: 2.55% · Tier avg: 1.08%