BlastPoint's Banking Scorecard
Climate First Bank
Community
Specialty: Commercial
FL
FDIC cert 59257
Saint Petersburg, FL
1484
banks in Community tier nationally
36 in FL
View Community leaderboard (FL) →
Climate First Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.63% below tier
- + Loan-to-Deposit Ratio 19.38% above tier
- + Nonperforming Asset Ratio 0.50% below tier
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 13.62% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.6B
+82.7% YoY
+17.2% QoQ
|
+$233.4M |
$1.4B
+2.0% YoY
|
$4.1B
+13.2% YoY
|
$5.9B
+6.5% YoY
|
74% |
| Total Loans ? |
$1.4B
+82.7% YoY
+18.9% QoQ
|
+$415.8M |
$975.5M
+2.4% YoY
|
$2.9B
+14.7% YoY
|
$3.1B
+8.5% YoY
|
79% |
| Total Deposits ? |
$1.4B
+72.8% YoY
+13.4% QoQ
|
+$193.4M |
$1.2B
+1.7% YoY
|
$3.4B
+13.4% YoY
|
$4.7B
+6.3% YoY
|
73% |
| Return on Assets ? |
0.94%
+101.4% YoY
+9.7% QoQ
|
-0.22% |
1.16%
+17.2% YoY
|
1.01%
+12.7% YoY
|
1.12%
+15.6% YoY
|
34% |
| Net Interest Margin ? |
3.65%
+14.4% YoY
+1.8% QoQ
|
-0.01% |
3.66%
+9.1% YoY
|
3.69%
+4.1% YoY
|
3.75%
+7.1% YoY
|
50% |
| Efficiency Ratio ? |
52.82%
-23.4% YoY
-4.8% QoQ
|
-9.81% |
62.63%
-5.3% YoY
|
67.57%
-3.0% YoY
|
65.09%
-5.1% YoY
|
78% |
| Delinquency Rate ? | 0.00% | -0.63% |
0.63%
+18.3% YoY
|
0.34%
-31.5% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
102.45%
+5.7% YoY
+4.9% QoQ
|
+19.38% |
83.06%
+0.3% YoY
|
76.49%
+0.5% YoY
|
78.04%
+0.7% YoY
|
Top 9% in tier |
| Non-Interest-Bearing Deposit Share ? |
7.42%
-14.7% YoY
-0.8% QoQ
|
-13.62% |
21.05%
-0.9% YoY
|
27.37%
-1.6% YoY
|
21.79%
-1.3% YoY
|
Bottom 6% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.50% |
0.50%
+20.3% YoY
|
0.26%
-19.5% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
9.37%
+1.6% YoY
+2.3% QoQ
|
-0.88% |
10.24%
-0.6% YoY
|
11.37%
-0.5% YoY
|
9.75%
-1.9% YoY
|
30% |
| Non-Interest Income / Assets ? |
0.31%
+133.9% YoY
+20.1% QoQ
|
-0.43% |
0.74%
-1.3% YoY
|
0.85%
-7.6% YoY
|
0.65%
+0.6% YoY
|
24% |
Signature Analysis
Strengths (3)
Delinquency Rate
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.63%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Top 9%
in Community
Why this stands out
Current:
102.45%
(Tier avg: 83.06%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (1)
Non-Interest-Bearing Deposit Share
metric
Bottom 6%
in Community
Why this stands out
Current:
7.42%
(Tier avg: 21.05%, National avg: 21.79%)
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: 0.63%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
91
91th pctile
Loan-to-Deposit Ratio
Current: 102.45% · Tier avg: 83.06%
79
79th pctile
Total Loans
Current: $1.4B · Tier avg: $975.5M
78
78th pctile
Efficiency Ratio
Current: 52.82% · Tier avg: 62.63%
74
74th pctile
Total Assets
Current: $1.6B · Tier avg: $1.4B
73
73th pctile
Total Deposits
Current: $1.4B · Tier avg: $1.2B
50
50th pctile
Net Interest Margin
Current: 3.65% · Tier avg: 3.66%
34
34th pctile
Return on Assets
Current: 0.94% · Tier avg: 1.16%
30
30th pctile
Tier 1 Capital Ratio
Current: 9.37% · Tier avg: 10.24%
24
24th pctile
Non-Interest Income / Assets
Current: 0.31% · Tier avg: 0.74%
6
6th pctile
Non-Interest-Bearing Deposit Share
Current: 7.42% · Tier avg: 21.05%
Top Weaknesses
6
6th pctile
Non-Interest-Bearing Deposit Share
Current: 7.42% · Tier avg: 21.05%
24
24th pctile
Non-Interest Income / Assets
Current: 0.31% · Tier avg: 0.74%
30
30th pctile
Tier 1 Capital Ratio
Current: 9.37% · Tier avg: 10.24%
34
34th pctile
Return on Assets
Current: 0.94% · Tier avg: 1.16%
50
50th pctile
Net Interest Margin
Current: 3.65% · Tier avg: 3.66%
73
73th pctile
Total Deposits
Current: $1.4B · Tier avg: $1.2B
74
74th pctile
Total Assets
Current: $1.6B · Tier avg: $1.4B
78
78th pctile
Efficiency Ratio
Current: 52.82% · Tier avg: 62.63%
79
79th pctile
Total Loans
Current: $1.4B · Tier avg: $975.5M
91
91th pctile
Loan-to-Deposit Ratio
Current: 102.45% · Tier avg: 83.06%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%