BlastPoint's Banking Scorecard
BankFlorida
Micro
Specialty: Commercial
FL
FDIC cert 58537
Designations: ✓ Community bank
Dade City, FL
2498
banks in Micro tier nationally
35 in FL
View Micro leaderboard (FL) →
BankFlorida shows strong momentum with 2 strengths and 16.3% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below 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 ? |
$429.6M
+16.3% YoY
+7.2% QoQ
|
+$212.1M |
$217.5M
+2.3% YoY
|
$4.1B
+13.2% YoY
|
$5.9B
+6.5% YoY
|
Top 8% in tier |
| Total Loans ? |
$330.4M
+15.7% YoY
+7.9% QoQ
|
+$191.2M |
$139.2M
+2.8% YoY
|
$2.9B
+14.7% YoY
|
$3.1B
+8.5% YoY
|
Top 4% in tier |
| Total Deposits ? |
$369.6M
+21.8% YoY
+8.2% QoQ
|
+$185.9M |
$183.7M
+1.8% YoY
|
$3.4B
+13.4% YoY
|
$4.7B
+6.3% YoY
|
Top 7% in tier |
| Return on Assets ? |
0.78%
+12.2% QoQ
|
-0.30% |
1.08%
+14.7% YoY
|
1.01%
+12.7% YoY
|
1.12%
+15.6% YoY
|
32% |
| Net Interest Margin ? |
3.74%
+11.7% YoY
+1.7% QoQ
|
-0.11% |
3.85%
+6.6% YoY
|
3.69%
+4.1% YoY
|
3.75%
+7.1% YoY
|
46% |
| Efficiency Ratio ? |
67.40%
-10.4% YoY
-3.1% QoQ
|
-0.32% |
67.73%
-4.8% YoY
|
67.57%
-3.0% YoY
|
65.09%
-5.1% YoY
|
46% |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.34%
-31.5% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
89.40%
-5.1% YoY
-0.2% QoQ
|
+14.87% |
74.53%
+0.5% YoY
|
76.49%
+0.5% YoY
|
78.04%
+0.7% YoY
|
24% |
| Non-Interest-Bearing Deposit Share ? |
24.37%
-21.0% YoY
-6.6% QoQ
|
+1.98% |
22.39%
-1.3% YoY
|
27.37%
-1.6% YoY
|
21.79%
-1.3% YoY
|
61% |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.26%
-19.5% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
11.52%
-0.3% YoY
-0.6% QoQ
|
+2.67% |
8.85%
-3.4% YoY
|
11.37%
-0.5% YoY
|
9.75%
-1.9% YoY
|
57% |
| Non-Interest Income / Assets ? |
0.13%
+52.1% YoY
+32.8% QoQ
|
-0.44% |
0.56%
+0.3% YoY
|
0.85%
-7.6% YoY
|
0.65%
+0.6% YoY
|
Bottom 11% in tier |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
96
96th pctile
Total Loans
Current: $330.4M · Tier avg: $139.2M
93
93th pctile
Total Deposits
Current: $369.6M · Tier avg: $183.7M
92
92th pctile
Total Assets
Current: $429.6M · Tier avg: $217.5M
61
61th pctile
Non-Interest-Bearing Deposit Share
Current: 24.37% · Tier avg: 22.39%
57
57th pctile
Tier 1 Capital Ratio
Current: 11.52% · Tier avg: 8.85%
46
46th pctile
Efficiency Ratio
Current: 67.40% · Tier avg: 67.73%
46
46th pctile
Net Interest Margin
Current: 3.74% · Tier avg: 3.85%
32
32th pctile
Return on Assets
Current: 0.78% · Tier avg: 1.08%
24
24th pctile
Loan-to-Deposit Ratio
Current: 89.40% · Tier avg: 74.53%
11
11th pctile
Non-Interest Income / Assets
Current: 0.13% · Tier avg: 0.56%
Top Weaknesses
11
11th pctile
Non-Interest Income / Assets
Current: 0.13% · Tier avg: 0.56%
24
24th pctile
Loan-to-Deposit Ratio
Current: 89.40% · Tier avg: 74.53%
32
32th pctile
Return on Assets
Current: 0.78% · Tier avg: 1.08%
46
46th pctile
Net Interest Margin
Current: 3.74% · Tier avg: 3.85%
46
46th pctile
Efficiency Ratio
Current: 67.40% · Tier avg: 67.73%
57
57th pctile
Tier 1 Capital Ratio
Current: 11.52% · Tier avg: 8.85%
61
61th pctile
Non-Interest-Bearing Deposit Share
Current: 24.37% · Tier avg: 22.39%
92
92th pctile
Total Assets
Current: $429.6M · Tier avg: $217.5M
93
93th pctile
Total Deposits
Current: $369.6M · Tier avg: $183.7M
96
96th pctile
Total Loans
Current: $330.4M · Tier avg: $139.2M
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%