BlastPoint's Banking Scorecard
Flagship Bank
Community
Specialty: Commercial
FL
FDIC cert 58113
Clearwater, FL
1484
banks in Community tier nationally
36 in FL
View Community leaderboard (FL) →
Flagship Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 1% in Community
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 23% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$738.7M
+13.3% YoY
+3.7% QoQ
|
-$652.7M |
$1.4B
+2.0% YoY
|
$4.1B
+13.2% YoY
|
$5.9B
+6.5% YoY
|
30% |
| Total Loans ? |
$575.9M
+10.7% YoY
+2.5% QoQ
|
-$399.5M |
$975.5M
+2.4% YoY
|
$2.9B
+14.7% YoY
|
$3.1B
+8.5% YoY
|
39% |
| Total Deposits ? |
$602.1M
+7.8% YoY
+0.4% QoQ
|
-$562.5M |
$1.2B
+1.7% YoY
|
$3.4B
+13.4% YoY
|
$4.7B
+6.3% YoY
|
28% |
| Return on Assets ? |
1.02%
+17.6% YoY
+2.0% QoQ
|
-0.15% |
1.16%
+17.2% YoY
|
1.01%
+12.7% YoY
|
1.12%
+15.6% YoY
|
41% |
| Net Interest Margin ? |
3.58%
+4.3% YoY
+0.1% QoQ
|
-0.09% |
3.66%
+9.1% YoY
|
3.69%
+4.1% YoY
|
3.75%
+7.1% YoY
|
46% |
| Efficiency Ratio ? |
59.89%
-7.8% YoY
-1.3% QoQ
|
-2.75% |
62.63%
-5.3% YoY
|
67.57%
-3.0% YoY
|
65.09%
-5.1% YoY
|
57% |
| Delinquency Rate ? |
0.13%
-2.5% QoQ
|
-0.50% |
0.63%
+18.3% YoY
|
0.34%
-31.5% YoY
|
0.66%
+20.3% YoY
|
78% |
| Loan-to-Deposit Ratio ? |
95.66%
+2.7% YoY
+2.2% QoQ
|
+12.60% |
83.06%
+0.3% YoY
|
76.49%
+0.5% YoY
|
78.04%
+0.7% YoY
|
78% |
| Non-Interest-Bearing Deposit Share ? |
29.16%
-9.9% YoY
-6.8% QoQ
|
+8.11% |
21.05%
-0.9% YoY
|
27.37%
-1.6% YoY
|
21.79%
-1.3% YoY
|
83% |
| Nonperforming Asset Ratio ? |
0.10%
-3.5% QoQ
|
-0.40% |
0.50%
+20.3% YoY
|
0.26%
-19.5% YoY
|
0.48%
+20.8% YoY
|
78% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
11.37%
-0.5% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.19%
+11.4% YoY
+22.6% QoQ
|
-0.55% |
0.74%
-1.3% YoY
|
0.85%
-7.6% YoY
|
0.65%
+0.6% YoY
|
Bottom 10% in tier |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#6 of 371 · Top 1% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.13%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Concerns (1)
Credit Quality Pressure
risk
#185 of 808 · Bottom 23% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.13%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 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%
Top Strengths
83
83th pctile
Non-Interest-Bearing Deposit Share
Current: 29.16% · Tier avg: 21.05%
78
78th pctile
Loan-to-Deposit Ratio
Current: 95.66% · Tier avg: 83.06%
78
78th pctile
Delinquency Rate
Current: 0.13% · Tier avg: 0.63%
78
78th pctile
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.50%
57
57th pctile
Efficiency Ratio
Current: 59.89% · Tier avg: 62.63%
46
46th pctile
Net Interest Margin
Current: 3.58% · Tier avg: 3.66%
41
41th pctile
Return on Assets
Current: 1.02% · Tier avg: 1.16%
39
39th pctile
Total Loans
Current: $575.9M · Tier avg: $975.5M
30
30th pctile
Total Assets
Current: $738.7M · Tier avg: $1.4B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
28
28th pctile
Total Deposits
Current: $602.1M · Tier avg: $1.2B
10
10th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.74%
Top Weaknesses
10
10th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.74%
28
28th pctile
Total Deposits
Current: $602.1M · Tier avg: $1.2B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
30
30th pctile
Total Assets
Current: $738.7M · Tier avg: $1.4B
39
39th pctile
Total Loans
Current: $575.9M · Tier avg: $975.5M
41
41th pctile
Return on Assets
Current: 1.02% · Tier avg: 1.16%
46
46th pctile
Net Interest Margin
Current: 3.58% · Tier avg: 3.66%
57
57th pctile
Efficiency Ratio
Current: 59.89% · Tier avg: 62.63%
78
78th pctile
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.50%
78
78th pctile
Delinquency Rate
Current: 0.13% · Tier avg: 0.63%
78
78th pctile
Loan-to-Deposit Ratio
Current: 95.66% · Tier avg: 83.06%
83
83th pctile
Non-Interest-Bearing Deposit Share
Current: 29.16% · Tier avg: 21.05%