BlastPoint's Banking Scorecard
BankMiami
Micro
Specialty: Other
FL
FDIC cert 59354
Designations: ✓ Community bank
Coral Gables, FL
2498
banks in Micro tier nationally
35 in FL
View Micro leaderboard (FL) →
BankMiami has 4 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Loan-to-Deposit Ratio 28.48% below tier
- + Nonperforming Asset Ratio 0.45% below tier
- + Tier 1 Capital Ratio 33.06% above tier
Key Concerns
Areas that may need attention
- - Return on Assets 3.89% below tier
- - Net Interest Margin 1.70% below tier
- - Non-Interest Income / Assets 0.54% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$183.3M
+30.1% QoQ
|
-$34.1M |
$217.5M
+2.3% YoY
|
$4.1B
+13.2% YoY
|
$5.9B
+6.5% YoY
|
46% |
| Total Loans ? |
$67.1M
+86.7% QoQ
|
-$72.0M |
$139.2M
+2.8% YoY
|
$2.9B
+14.7% YoY
|
$3.1B
+8.5% YoY
|
27% |
| Total Deposits ? |
$145.8M
+40.0% QoQ
|
-$37.8M |
$183.7M
+1.8% YoY
|
$3.4B
+13.4% YoY
|
$4.7B
+6.3% YoY
|
44% |
| Return on Assets ? |
-2.80%
+22.3% QoQ
|
-3.89% |
1.08%
+14.7% YoY
|
1.01%
+12.7% YoY
|
1.12%
+15.6% YoY
|
Bottom 1% in tier |
| Net Interest Margin ? |
2.16%
+7.1% QoQ
|
-1.70% |
3.85%
+6.6% YoY
|
3.69%
+4.1% YoY
|
3.75%
+7.1% YoY
|
Bottom 3% in tier |
| Efficiency Ratio ? |
244.52%
-21.7% QoQ
|
+176.79% |
67.73%
-4.8% YoY
|
67.57%
-3.0% YoY
|
65.09%
-5.1% YoY
|
- |
| 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 ? |
46.04%
+33.3% QoQ
|
-28.48% |
74.53%
+0.5% YoY
|
76.49%
+0.5% YoY
|
78.04%
+0.7% YoY
|
Top 10% in tier |
| Non-Interest-Bearing Deposit Share ? |
15.54%
+13.5% QoQ
|
-6.85% |
22.39%
-1.3% YoY
|
27.37%
-1.6% YoY
|
21.79%
-1.3% YoY
|
25% |
| 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 ? |
41.91%
-45.9% QoQ
|
+33.06% |
8.85%
-3.4% YoY
|
11.37%
-0.5% YoY
|
9.75%
-1.9% YoY
|
Top 1% in tier |
| Non-Interest Income / Assets ? |
0.02%
+4.3% QoQ
|
-0.54% |
0.56%
+0.3% YoY
|
0.85%
-7.6% YoY
|
0.65%
+0.6% YoY
|
Bottom 1% in tier |
Signature Analysis
Strengths (4)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Top 10%
in Micro
Why this stands out
Current:
46.04%
(Tier avg: 74.53%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Tier 1 Capital Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
41.91%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (3)
Return on Assets
metric
Bottom 1%
in Micro
Why this stands out
Current:
-2.80%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 3%
in Micro
Why this stands out
Current:
2.16%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest Income / Assets
metric
Bottom 1%
in Micro
Why this stands out
Current:
0.02%
(Tier avg: 0.56%, 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
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%
100
100th pctile
Tier 1 Capital Ratio
Current: 41.91% · Tier avg: 8.85%
90
90th pctile
Loan-to-Deposit Ratio
Current: 46.04% · Tier avg: 74.53%
46
46th pctile
Total Assets
Current: $183.3M · Tier avg: $217.5M
44
44th pctile
Total Deposits
Current: $145.8M · Tier avg: $183.7M
27
27th pctile
Total Loans
Current: $67.1M · Tier avg: $139.2M
25
25th pctile
Non-Interest-Bearing Deposit Share
Current: 15.54% · Tier avg: 22.39%
3
3th pctile
Net Interest Margin
Current: 2.16% · Tier avg: 3.85%
1
1th pctile
Non-Interest Income / Assets
Current: 0.02% · Tier avg: 0.56%
0
0th pctile
Return on Assets
Current: -2.80% · Tier avg: 1.08%
Top Weaknesses
0
0th pctile
Return on Assets
Current: -2.80% · Tier avg: 1.08%
1
1th pctile
Non-Interest Income / Assets
Current: 0.02% · Tier avg: 0.56%
3
3th pctile
Net Interest Margin
Current: 2.16% · Tier avg: 3.85%
25
25th pctile
Non-Interest-Bearing Deposit Share
Current: 15.54% · Tier avg: 22.39%
27
27th pctile
Total Loans
Current: $67.1M · Tier avg: $139.2M
44
44th pctile
Total Deposits
Current: $145.8M · Tier avg: $183.7M
46
46th pctile
Total Assets
Current: $183.3M · Tier avg: $217.5M
90
90th pctile
Loan-to-Deposit Ratio
Current: 46.04% · Tier avg: 74.53%
100
100th pctile
Tier 1 Capital Ratio
Current: 41.91% · Tier avg: 8.85%
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%