BlastPoint's Banking Scorecard
Crews Bank & Trust
Community
Specialty: Commercial
FL
FDIC cert 8021
Wauchula, FL
1484
banks in Community tier nationally
36 in FL
View Community leaderboard (FL) →
Crews Bank & Trust has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 17% in Community
- + Non-Interest-Bearing Deposit Share 14.98% above tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 8% in Community
- - Credit Risk Growth: Bottom 14% in Community
- - Loan-to-Deposit Ratio 22.66% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.3B
+6.2% YoY
+3.5% QoQ
|
+$930.0M |
$1.4B
+2.0% YoY
|
$4.1B
+13.2% YoY
|
$5.9B
+6.5% YoY
|
84% |
| Total Loans ? |
$1.3B
+4.5% YoY
+1.5% QoQ
|
+$275.3M |
$975.5M
+2.4% YoY
|
$2.9B
+14.7% YoY
|
$3.1B
+8.5% YoY
|
75% |
| Total Deposits ? |
$2.1B
+6.2% YoY
+4.3% QoQ
|
+$906.1M |
$1.2B
+1.7% YoY
|
$3.4B
+13.4% YoY
|
$4.7B
+6.3% YoY
|
Top 14% in tier |
| Return on Assets ? |
1.74%
+3.4% YoY
+2.4% QoQ
|
+0.57% |
1.16%
+17.2% YoY
|
1.01%
+12.7% YoY
|
1.12%
+15.6% YoY
|
84% |
| Net Interest Margin ? |
3.61%
-1.4% YoY
+0.3% QoQ
|
-0.05% |
3.66%
+9.1% YoY
|
3.69%
+4.1% YoY
|
3.75%
+7.1% YoY
|
47% |
| Efficiency Ratio ? |
56.89%
-3.7% YoY
-1.9% QoQ
|
-5.74% |
62.63%
-5.3% YoY
|
67.57%
-3.0% YoY
|
65.09%
-5.1% YoY
|
68% |
| Delinquency Rate ? |
0.07%
+198.3% YoY
+90.3% QoQ
|
-0.56% |
0.63%
+18.3% YoY
|
0.34%
-31.5% YoY
|
0.66%
+20.3% YoY
|
Top 15% in tier |
| Loan-to-Deposit Ratio ? |
60.40%
-1.6% YoY
-2.7% QoQ
|
-22.66% |
83.06%
+0.3% YoY
|
76.49%
+0.5% YoY
|
78.04%
+0.7% YoY
|
Bottom 9% in tier |
| Non-Interest-Bearing Deposit Share ? |
36.03%
-9.6% YoY
+0.2% QoQ
|
+14.98% |
21.05%
-0.9% YoY
|
27.37%
-1.6% YoY
|
21.79%
-1.3% YoY
|
Top 7% in tier |
| Nonperforming Asset Ratio ? |
0.04%
+193.5% YoY
+86.6% QoQ
|
-0.46% |
0.50%
+20.3% YoY
|
0.26%
-19.5% YoY
|
0.48%
+20.8% YoY
|
Top 12% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
11.37%
-0.5% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.78%
-3.2% YoY
+31.8% QoQ
|
+0.04% |
0.74%
-1.3% YoY
|
0.85%
-7.6% YoY
|
0.65%
+0.6% YoY
|
76% |
Signature Analysis
Strengths (2)
Credit Quality Leader
growth
#65 of 371 · Top 17% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.07%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Non-Interest-Bearing Deposit Share
metric
Top 7%
in Community
Why this stands out
Current:
36.03%
(Tier avg: 21.05%, National avg: 21.79%)
Concerns (3)
Credit Quality Pressure
risk
#68 of 808 · Bottom 8% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.07%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank declining
Credit Risk Growth
risk
#91 of 642 · Bottom 14% 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 declining
Loan-to-Deposit Ratio
metric
Bottom 9%
in Community
Why this stands out
Current:
60.40%
(Tier avg: 83.06%, National avg: 78.04%)
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
Non-Interest-Bearing Deposit Share
Current: 36.03% · Tier avg: 21.05%
88
88th pctile
Nonperforming Asset Ratio
Current: 0.04% · Tier avg: 0.50%
86
86th pctile
Total Deposits
Current: $2.1B · Tier avg: $1.2B
85
85th pctile
Delinquency Rate
Current: 0.07% · Tier avg: 0.63%
84
84th pctile
Return on Assets
Current: 1.74% · Tier avg: 1.16%
84
84th pctile
Total Assets
Current: $2.3B · Tier avg: $1.4B
76
76th pctile
Non-Interest Income / Assets
Current: 0.78% · Tier avg: 0.74%
75
75th pctile
Total Loans
Current: $1.3B · Tier avg: $975.5M
68
68th pctile
Efficiency Ratio
Current: 56.89% · Tier avg: 62.63%
47
47th pctile
Net Interest Margin
Current: 3.61% · Tier avg: 3.66%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
9
9th pctile
Loan-to-Deposit Ratio
Current: 60.40% · Tier avg: 83.06%
Top Weaknesses
9
9th pctile
Loan-to-Deposit Ratio
Current: 60.40% · Tier avg: 83.06%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
47
47th pctile
Net Interest Margin
Current: 3.61% · Tier avg: 3.66%
68
68th pctile
Efficiency Ratio
Current: 56.89% · Tier avg: 62.63%
75
75th pctile
Total Loans
Current: $1.3B · Tier avg: $975.5M
76
76th pctile
Non-Interest Income / Assets
Current: 0.78% · Tier avg: 0.74%
84
84th pctile
Total Assets
Current: $2.3B · Tier avg: $1.4B
84
84th pctile
Return on Assets
Current: 1.74% · Tier avg: 1.16%
85
85th pctile
Delinquency Rate
Current: 0.07% · Tier avg: 0.63%
86
86th pctile
Total Deposits
Current: $2.1B · Tier avg: $1.2B
88
88th pctile
Nonperforming Asset Ratio
Current: 0.04% · Tier avg: 0.50%
93
93th pctile
Non-Interest-Bearing Deposit Share
Current: 36.03% · Tier avg: 21.05%