BlastPoint's Banking Scorecard
One Florida Bank
Community
Specialty: Commercial
FL
FDIC cert 58811
Orlando, FL
1484
banks in Community tier nationally
36 in FL
View Community leaderboard (FL) →
One Florida Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 50% in Community
- - Non-Interest Income / Assets 0.62% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.0B
+11.7% YoY
+2.7% QoQ
|
+$657.0M |
$1.4B
+2.0% YoY
|
$4.1B
+13.2% YoY
|
$5.9B
+6.5% YoY
|
80% |
| Total Loans ? |
$1.6B
+8.1% YoY
+3.7% QoQ
|
+$632.3M |
$975.5M
+2.4% YoY
|
$2.9B
+14.7% YoY
|
$3.1B
+8.5% YoY
|
83% |
| Total Deposits ? |
$1.8B
+10.0% YoY
+2.6% QoQ
|
+$646.2M |
$1.2B
+1.7% YoY
|
$3.4B
+13.4% YoY
|
$4.7B
+6.3% YoY
|
82% |
| Return on Assets ? |
1.22%
+37.8% YoY
+1.3% QoQ
|
+0.05% |
1.16%
+17.2% YoY
|
1.01%
+12.7% YoY
|
1.12%
+15.6% YoY
|
57% |
| Net Interest Margin ? |
3.45%
+10.1% YoY
+0.2% QoQ
|
-0.21% |
3.66%
+9.1% YoY
|
3.69%
+4.1% YoY
|
3.75%
+7.1% YoY
|
40% |
| Efficiency Ratio ? |
52.09%
-10.5% YoY
-1.3% QoQ
|
-10.54% |
62.63%
-5.3% YoY
|
67.57%
-3.0% YoY
|
65.09%
-5.1% YoY
|
79% |
| Delinquency Rate ? |
0.28%
+945.5% YoY
+311.8% QoQ
|
-0.35% |
0.63%
+18.3% YoY
|
0.34%
-31.5% YoY
|
0.66%
+20.3% YoY
|
63% |
| Loan-to-Deposit Ratio ? |
88.78%
-1.7% YoY
+1.1% QoQ
|
+5.72% |
83.06%
+0.3% YoY
|
76.49%
+0.5% YoY
|
78.04%
+0.7% YoY
|
38% |
| Non-Interest-Bearing Deposit Share ? |
19.63%
-10.7% YoY
-14.2% QoQ
|
-1.42% |
21.05%
-0.9% YoY
|
27.37%
-1.6% YoY
|
21.79%
-1.3% YoY
|
48% |
| Nonperforming Asset Ratio ? |
0.22%
+911.6% YoY
+316.1% QoQ
|
-0.28% |
0.50%
+20.3% YoY
|
0.26%
-19.5% YoY
|
0.48%
+20.8% YoY
|
62% |
| Tier 1 Capital Ratio ? |
10.73%
+9.4% YoY
-0.7% QoQ
|
+0.49% |
10.24%
-0.6% YoY
|
11.37%
-0.5% YoY
|
9.75%
-1.9% YoY
|
34% |
| Non-Interest Income / Assets ? |
0.12%
+4.6% YoY
+48.1% QoQ
|
-0.62% |
0.74%
-1.3% YoY
|
0.85%
-7.6% YoY
|
0.65%
+0.6% YoY
|
Bottom 4% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Credit Risk Growth
risk
#321 of 642 · Bottom 50% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
Non-Interest Income / Assets
metric
Bottom 4%
in Community
Why this stands out
Current:
0.12%
(Tier avg: 0.74%, National avg: 0.65%)
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
Total Loans
Current: $1.6B · Tier avg: $975.5M
82
82th pctile
Total Deposits
Current: $1.8B · Tier avg: $1.2B
80
80th pctile
Total Assets
Current: $2.0B · Tier avg: $1.4B
79
79th pctile
Efficiency Ratio
Current: 52.09% · Tier avg: 62.63%
63
63th pctile
Delinquency Rate
Current: 0.28% · Tier avg: 0.63%
62
62th pctile
Nonperforming Asset Ratio
Current: 0.22% · Tier avg: 0.50%
57
57th pctile
Return on Assets
Current: 1.22% · Tier avg: 1.16%
48
48th pctile
Non-Interest-Bearing Deposit Share
Current: 19.63% · Tier avg: 21.05%
40
40th pctile
Net Interest Margin
Current: 3.45% · Tier avg: 3.66%
38
38th pctile
Loan-to-Deposit Ratio
Current: 88.78% · Tier avg: 83.06%
34
34th pctile
Tier 1 Capital Ratio
Current: 10.73% · Tier avg: 10.24%
4
4th pctile
Non-Interest Income / Assets
Current: 0.12% · Tier avg: 0.74%
Top Weaknesses
4
4th pctile
Non-Interest Income / Assets
Current: 0.12% · Tier avg: 0.74%
34
34th pctile
Tier 1 Capital Ratio
Current: 10.73% · Tier avg: 10.24%
38
38th pctile
Loan-to-Deposit Ratio
Current: 88.78% · Tier avg: 83.06%
40
40th pctile
Net Interest Margin
Current: 3.45% · Tier avg: 3.66%
48
48th pctile
Non-Interest-Bearing Deposit Share
Current: 19.63% · Tier avg: 21.05%
57
57th pctile
Return on Assets
Current: 1.22% · Tier avg: 1.16%
62
62th pctile
Nonperforming Asset Ratio
Current: 0.22% · Tier avg: 0.50%
63
63th pctile
Delinquency Rate
Current: 0.28% · Tier avg: 0.63%
79
79th pctile
Efficiency Ratio
Current: 52.09% · Tier avg: 62.63%
80
80th pctile
Total Assets
Current: $2.0B · Tier avg: $1.4B
82
82th pctile
Total Deposits
Current: $1.8B · Tier avg: $1.2B
83
83th pctile
Total Loans
Current: $1.6B · Tier avg: $975.5M