BlastPoint's Banking Scorecard
The Warrington Bank
Pensacola, FL
4 branches across FL
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 44 in FL.
- Deposits +2.8% year over year ($145.0M on the books).
- Delinquency rate 0.00%.
- Return on assets 0.68%.
- Efficiency ratio 71.65% vs a 64.48% peer average.
- Loan-to-deposit ratio 37.54% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Warrington Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 32.3% in tier
- + Nonperforming Asset Ratio 0.67% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.64% below tier average
- - Net Interest Margin 0.92% below tier average
- - Efficiency Ratio 7.17% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$173.9M
+2.7% YoY
+1.0% QoQ
|
-$212.6M |
$386.6M
+1.2% YoY
|
$4.3B
+7.0% YoY
|
$6.3B
+7.7% YoY
|
20% |
| Total Loans ? |
$54.4M
-1.9% YoY
+6.2% QoQ
|
-$203.9M |
$258.3M
+1.7% YoY
|
$3.0B
+8.2% YoY
|
$3.2B
+9.4% YoY
|
Bottom 3.7% in tier |
| Total Deposits ? |
$145.0M
+2.8% YoY
+1.0% QoQ
|
-$181.8M |
$326.7M
+0.7% YoY
|
$3.5B
+7.0% YoY
|
$4.9B
+7.3% YoY
|
20% |
| Return on Assets ? |
0.68%
+71.3% YoY
+5.5% QoQ
|
-0.64% |
1.32%
+10.8% YoY
|
0.62%
-8.3% YoY
|
1.30%
+12.1% YoY
|
18% |
| Net Interest Margin ? |
3.07%
+14.1% YoY
+2.0% QoQ
|
-0.92% |
3.99%
+5.0% YoY
|
3.70%
+0.5% YoY
|
3.95%
+4.9% YoY
|
Bottom 11.5% in tier |
| Efficiency Ratio ? |
71.65%
-11.9% YoY
-1.1% QoQ
|
+7.17% |
64.48%
-3.2% YoY
|
199.20%
+161.3% YoY
|
70.05%
+2.5% YoY
|
26% |
| Delinquency Rate ? | 0.00% | -0.92% |
0.92%
+15.7% YoY
|
0.61%
-2.0% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
37.54%
-4.6% YoY
+5.2% QoQ
|
-40.41% |
77.95%
+1.0% YoY
|
72.91%
-1.7% YoY
|
79.03%
+2.3% YoY
|
Top 3.4% in tier |
| Non-Interest-Bearing Deposit Share ? |
28.64%
+9.9% YoY
+8.7% QoQ
|
+6.61% |
22.03%
-0.6% YoY
|
27.35%
-2.5% YoY
|
21.98%
-0.6% YoY
|
78% |
| Nonperforming Asset Ratio ? | 0.00% | -0.67% |
0.67%
+16.4% YoY
|
0.42%
-2.6% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
16.72%
-0.3% YoY
+1.0% QoQ
|
+0.81% |
15.91%
+1.4% YoY
|
19.50%
+8.2% YoY
|
17.09%
+0.8% YoY
|
76% |
| Non-Interest Income / Assets ? |
0.13%
-1.8% YoY
+98.1% QoQ
|
-0.44% |
0.57%
+7.6% YoY
|
1.02%
+6.4% YoY
|
0.66%
+5.2% YoY
|
27% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
28.6%
+2.6pp YoY +2.3pp QoQ |
+6.5pp | 22.1% | 27.7% | 22.2% | 78% |
| Brokered Deposits | n/a | n/a | 7.9% | 8.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
4.4%
-1.7pp YoY -0.5pp QoQ |
-7.2pp | 11.6% | 12.9% | 12.5% | 16% |
| CRE |
48.7%
-1.8pp YoY -0.2pp QoQ |
+9.1pp | 39.5% | 50.6% | 41.4% | 68% |
| 1-4 Family |
46.8%
+3.0pp YoY +0.7pp QoQ |
+14.1pp | 32.6% | 30.7% | 31.3% | 79% |
| Consumer |
1.2%
+0.5pp YoY -0.1pp QoQ |
-2.9pp | 4.1% | 3.7% | 5.0% | 33% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 19.8% | 19.7% | n/a |
| Leverage Ratio |
16.7%
-0.1pp YoY +0.2pp QoQ |
+4.6pp | 12.2% | 13.9% | 12.6% | 92% |
| Total Capital Ratio | n/a | n/a | 19.9% | 21.1% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
28
-2 (-6.7%) YoY +1 (+3.7%) QoQ |
-31 | 58 | 295 | 482 | 24% |
| Assets per Employee ($) |
$6.2M
+10.1% YoY -2.7% QoQ |
-$1.3M | $7.5M | $10.3M | $8.8M | 37% |
| Branch Count |
4
0 YoY 0 QoQ |
-1 | 4 | 13 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.3% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 0.7% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 16.62x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.2% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
4.1%
+1.7pp YoY +0.2pp QoQ |
-8.1pp | 12.2% | 9.3% | 11.6% | 11% |
| Cost of Funds (YTD) |
0.5%
0.0pp YoY 0.0pp QoQ |
-1.2pp | 1.7% | 1.8% | 1.7% | 2% |
| Net Income ($, YTD) |
$588,000
+77.1% YoY — QoQ |
-$2.0M | $2.6M | $25.2M | $40.4M | 13% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.