BlastPoint's Banking Scorecard
First Colony Bank of Florida
Micro
Specialty: Commercial
FL
FDIC cert 58644
Designations: ✓ Community bank
Maitland, FL
2498
banks in Micro tier nationally
35 in FL
View Micro leaderboard (FL) →
First Colony Bank of Florida demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 20.67% 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 ? |
$286.6M
-6.9% YoY
-2.9% QoQ
|
+$69.1M |
$217.5M
+2.3% YoY
|
$4.1B
+13.2% YoY
|
$5.9B
+6.5% YoY
|
69% |
| Total Loans ? |
$187.7M
-2.7% YoY
-2.6% QoQ
|
+$48.6M |
$139.2M
+2.8% YoY
|
$2.9B
+14.7% YoY
|
$3.1B
+8.5% YoY
|
71% |
| Total Deposits ? |
$259.0M
-8.0% YoY
-3.1% QoQ
|
+$75.4M |
$183.7M
+1.8% YoY
|
$3.4B
+13.4% YoY
|
$4.7B
+6.3% YoY
|
73% |
| Return on Assets ? |
1.95%
+12.3% YoY
+1.6% QoQ
|
+0.87% |
1.08%
+14.7% YoY
|
1.01%
+12.7% YoY
|
1.12%
+15.6% YoY
|
Top 10% in tier |
| Net Interest Margin ? |
3.77%
+12.4% YoY
+0.7% QoQ
|
-0.08% |
3.85%
+6.6% YoY
|
3.69%
+4.1% YoY
|
3.75%
+7.1% YoY
|
48% |
| Efficiency Ratio ? |
47.05%
-3.8% YoY
-1.0% QoQ
|
-20.67% |
67.73%
-4.8% YoY
|
67.57%
-3.0% YoY
|
65.09%
-5.1% YoY
|
Top 7% in tier |
| Delinquency Rate ? | 0.18% | -0.45% |
0.64%
+24.4% YoY
|
0.34%
-31.5% YoY
|
0.66%
+20.3% YoY
|
63% |
| Loan-to-Deposit Ratio ? |
72.48%
+5.7% YoY
+0.6% QoQ
|
-2.05% |
74.53%
+0.5% YoY
|
76.49%
+0.5% YoY
|
78.04%
+0.7% YoY
|
57% |
| Non-Interest-Bearing Deposit Share ? |
29.95%
-18.3% YoY
-12.8% QoQ
|
+7.55% |
22.39%
-1.3% YoY
|
27.37%
-1.6% YoY
|
21.79%
-1.3% YoY
|
79% |
| Nonperforming Asset Ratio ? | 0.12% | -0.33% |
0.45%
+25.1% YoY
|
0.26%
-19.5% YoY
|
0.48%
+20.8% YoY
|
65% |
| Tier 1 Capital Ratio ? |
13.50%
+9.1% YoY
+4.4% QoQ
|
+4.65% |
8.85%
-3.4% YoY
|
11.37%
-0.5% YoY
|
9.75%
-1.9% YoY
|
66% |
| Non-Interest Income / Assets ? |
0.12%
+2.2% YoY
+29.3% QoQ
|
-0.45% |
0.56%
+0.3% YoY
|
0.85%
-7.6% YoY
|
0.65%
+0.6% YoY
|
Bottom 10% in tier |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 7%
in Micro
Why this stands out
Current:
47.05%
(Tier avg: 67.73%, National avg: 65.09%)
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
93
93th pctile
Efficiency Ratio
Current: 47.05% · Tier avg: 67.73%
90
90th pctile
Return on Assets
Current: 1.95% · Tier avg: 1.08%
79
79th pctile
Non-Interest-Bearing Deposit Share
Current: 29.95% · Tier avg: 22.39%
73
73th pctile
Total Deposits
Current: $259.0M · Tier avg: $183.7M
71
71th pctile
Total Loans
Current: $187.7M · Tier avg: $139.2M
69
69th pctile
Total Assets
Current: $286.6M · Tier avg: $217.5M
66
66th pctile
Tier 1 Capital Ratio
Current: 13.50% · Tier avg: 8.85%
65
65th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.45%
63
63th pctile
Delinquency Rate
Current: 0.18% · Tier avg: 0.64%
57
57th pctile
Loan-to-Deposit Ratio
Current: 72.48% · Tier avg: 74.53%
48
48th pctile
Net Interest Margin
Current: 3.77% · Tier avg: 3.85%
10
10th pctile
Non-Interest Income / Assets
Current: 0.12% · Tier avg: 0.56%
Top Weaknesses
10
10th pctile
Non-Interest Income / Assets
Current: 0.12% · Tier avg: 0.56%
48
48th pctile
Net Interest Margin
Current: 3.77% · Tier avg: 3.85%
57
57th pctile
Loan-to-Deposit Ratio
Current: 72.48% · Tier avg: 74.53%
63
63th pctile
Delinquency Rate
Current: 0.18% · Tier avg: 0.64%
65
65th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.45%
66
66th pctile
Tier 1 Capital Ratio
Current: 13.50% · Tier avg: 8.85%
69
69th pctile
Total Assets
Current: $286.6M · Tier avg: $217.5M
71
71th pctile
Total Loans
Current: $187.7M · Tier avg: $139.2M
73
73th pctile
Total Deposits
Current: $259.0M · Tier avg: $183.7M
79
79th pctile
Non-Interest-Bearing Deposit Share
Current: 29.95% · Tier avg: 22.39%
90
90th pctile
Return on Assets
Current: 1.95% · Tier avg: 1.08%
93
93th pctile
Efficiency Ratio
Current: 47.05% · Tier avg: 67.73%