BlastPoint's Banking Scorecard
First Bank
Community
Specialty: Commercial
FL
FDIC cert 9620
Clewiston, FL
1484
banks in Community tier nationally
36 in FL
View Community leaderboard (FL) →
First Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 23% in Community
- + Nonperforming Asset Ratio 0.47% below tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 7% in Community
- - Credit Risk Growth: Bottom 37% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$815.5M
+10.3% YoY
+3.6% QoQ
|
-$576.0M |
$1.4B
+2.0% YoY
|
$4.1B
+13.2% YoY
|
$5.9B
+6.5% YoY
|
36% |
| Total Loans ? |
$477.4M
+9.0% YoY
+3.8% QoQ
|
-$498.1M |
$975.5M
+2.4% YoY
|
$2.9B
+14.7% YoY
|
$3.1B
+8.5% YoY
|
27% |
| Total Deposits ? |
$733.4M
+9.5% YoY
+3.9% QoQ
|
-$431.2M |
$1.2B
+1.7% YoY
|
$3.4B
+13.4% YoY
|
$4.7B
+6.3% YoY
|
41% |
| Return on Assets ? |
1.46%
+14.8% YoY
+0.5% QoQ
|
+0.30% |
1.16%
+17.2% YoY
|
1.01%
+12.7% YoY
|
1.12%
+15.6% YoY
|
72% |
| Net Interest Margin ? |
4.14%
+8.2% YoY
+0.4% QoQ
|
+0.47% |
3.66%
+9.1% YoY
|
3.69%
+4.1% YoY
|
3.75%
+7.1% YoY
|
75% |
| Efficiency Ratio ? |
54.31%
-7.7% YoY
-0.2% QoQ
|
-8.32% |
62.63%
-5.3% YoY
|
67.57%
-3.0% YoY
|
65.09%
-5.1% YoY
|
74% |
| Delinquency Rate ? |
0.04%
+79.8% QoQ
|
-0.58% |
0.63%
+18.3% YoY
|
0.34%
-31.5% YoY
|
0.66%
+20.3% YoY
|
Top 11% in tier |
| Loan-to-Deposit Ratio ? |
65.09%
-0.4% YoY
-0.1% QoQ
|
-17.97% |
83.06%
+0.3% YoY
|
76.49%
+0.5% YoY
|
78.04%
+0.7% YoY
|
Top 14% in tier |
| Non-Interest-Bearing Deposit Share ? |
31.64%
-7.0% YoY
-10.0% QoQ
|
+10.59% |
21.05%
-0.9% YoY
|
27.37%
-1.6% YoY
|
21.79%
-1.3% YoY
|
Top 13% in tier |
| Nonperforming Asset Ratio ? |
0.03%
+80.1% QoQ
|
-0.47% |
0.50%
+20.3% YoY
|
0.26%
-19.5% YoY
|
0.48%
+20.8% YoY
|
Top 10% in tier |
| Tier 1 Capital Ratio ? |
14.79%
+1.7% YoY
+0.3% QoQ
|
+4.55% |
10.24%
-0.6% YoY
|
11.37%
-0.5% YoY
|
9.75%
-1.9% YoY
|
75% |
| Non-Interest Income / Assets ? |
0.55%
-16.7% YoY
+28.7% QoQ
|
-0.19% |
0.74%
-1.3% YoY
|
0.85%
-7.6% YoY
|
0.65%
+0.6% YoY
|
55% |
Signature Analysis
Strengths (2)
Credit Quality Leader
growth
#86 of 371 · Top 23% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.04%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Nonperforming Asset Ratio
metric
Top 10%
in Community
Why this stands out
Current:
0.03%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (2)
Credit Quality Pressure
risk
#54 of 808 · Bottom 7% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.04%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
Credit Risk Growth
risk
#235 of 642 · Bottom 37% 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
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
90
90th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.50%
89
89th pctile
Delinquency Rate
Current: 0.04% · Tier avg: 0.63%
87
87th pctile
Non-Interest-Bearing Deposit Share
Current: 31.64% · Tier avg: 21.05%
86
86th pctile
Loan-to-Deposit Ratio
Current: 65.09% · Tier avg: 83.06%
75
75th pctile
Net Interest Margin
Current: 4.14% · Tier avg: 3.66%
75
75th pctile
Tier 1 Capital Ratio
Current: 14.79% · Tier avg: 10.24%
74
74th pctile
Efficiency Ratio
Current: 54.31% · Tier avg: 62.63%
72
72th pctile
Return on Assets
Current: 1.46% · Tier avg: 1.16%
55
55th pctile
Non-Interest Income / Assets
Current: 0.55% · Tier avg: 0.74%
41
41th pctile
Total Deposits
Current: $733.4M · Tier avg: $1.2B
36
36th pctile
Total Assets
Current: $815.5M · Tier avg: $1.4B
27
27th pctile
Total Loans
Current: $477.4M · Tier avg: $975.5M
Top Weaknesses
27
27th pctile
Total Loans
Current: $477.4M · Tier avg: $975.5M
36
36th pctile
Total Assets
Current: $815.5M · Tier avg: $1.4B
41
41th pctile
Total Deposits
Current: $733.4M · Tier avg: $1.2B
55
55th pctile
Non-Interest Income / Assets
Current: 0.55% · Tier avg: 0.74%
72
72th pctile
Return on Assets
Current: 1.46% · Tier avg: 1.16%
74
74th pctile
Efficiency Ratio
Current: 54.31% · Tier avg: 62.63%
75
75th pctile
Tier 1 Capital Ratio
Current: 14.79% · Tier avg: 10.24%
75
75th pctile
Net Interest Margin
Current: 4.14% · Tier avg: 3.66%
86
86th pctile
Loan-to-Deposit Ratio
Current: 65.09% · Tier avg: 83.06%
87
87th pctile
Non-Interest-Bearing Deposit Share
Current: 31.64% · Tier avg: 21.05%
89
89th pctile
Delinquency Rate
Current: 0.04% · Tier avg: 0.63%
90
90th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.50%