BlastPoint's Banking Scorecard

The Warrington Bank

$100M-$1B Specialty: Other FL FDIC cert 17193

Pensacola, FL

4 branches across FL

2664 banks in the $100M-$1B peer group nationally 43 in FL

The Warrington Bank has 2 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Credit Quality Leader: Top 35.1% in tier
+ Nonperforming Asset Ratio 0.64% below tier average

Key Concerns

Areas that may need attention

- ROA 0.62% below tier average
- Net Interest Margin 0.92% below tier average
- Efficiency Ratio 7.19% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Total Assets ?	$172.3M +3.8% YoY -0.3% QoQ	-$213.8M	$386.1M +0.5% YoY	$4.3B +10.8% YoY	$6.2B +9.1% YoY	20%
Total Loans ?	$51.2M -6.7% YoY +1.7% QoQ	-$204.5M	$255.7M +1.1% YoY	$3.0B +12.4% YoY	$3.2B +10.8% YoY	Bottom 3.2% in tier
Total Deposits ?	$143.6M +4.1% YoY -0.4% QoQ	-$184.4M	$328.0M +0.1% YoY	$3.6B +11.7% YoY	$4.8B +8.2% YoY	19%
Return on Assets ?	0.64% +81.1% YoY +46.1% QoQ	-0.62%	1.27% +12.9% YoY	0.83% +61.5% YoY	1.23% +13.4% YoY	18%
Net Interest Margin ?	3.01% +15.2% YoY +7.5% QoQ	-0.92%	3.93% +6.0% YoY	3.75% +4.2% YoY	3.89% +5.7% YoY	Bottom 11.8% in tier
Efficiency Ratio ?	72.48% -12.5% YoY -8.9% QoQ	+7.19%	65.29% -4.5% YoY	71.93% -25.2% YoY	66.95% -4.1% YoY	27%
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	0.63% -5.7% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	35.70% -10.4% YoY +2.1% QoQ	-40.94%	76.64% +0.8% YoY	73.79% +1.2% YoY	76.70% +0.9% YoY	Top 2.8% in tier
Non-Interest-Bearing Deposit Share ?	26.35% -1.6% YoY +1.7% QoQ	+4.33%	22.02% -1.0% YoY	27.22% -2.5% YoY	22.01% -1.2% YoY	71%
Nonperforming Asset Ratio ?	0.00%	-0.64%	0.64% +19.7% YoY	0.43% -5.1% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	16.56% -2.2% YoY -0.1% QoQ	+0.73%	15.83% +1.5% YoY	16.64% -24.7% YoY	17.06% +0.8% YoY	75%
Non-Interest Income / Assets ?	0.06% -4.5% YoY -69.6% QoQ	-0.22%	0.28% +9.3% YoY	0.50% +7.6% YoY	0.32% +4.1% YoY	29%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth

#234 of 664 • Top 35.1% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (4 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

Loan-to-Deposit Ratio

liquidity

Value: 35.70%

Peer Median: 76.64%

#76 of 2664 Top 2.8% in $100M-$1B

665

Tier 1 Capital Ratio

capital

Value: 16.56%

Peer Median: 15.83%

#665 of 2664 Top 24.9% in $100M-$1B

Top Weaknesses (5 metrics)

2581

Total Loans

size

Value: $51.25M

Peer Median: $255.72M

#2581 of 2664 Bottom 3.2% in $100M-$1B

2351

Net Interest Margin

profitability

Value: 3.01%

Peer Median: 3.93%

#2351 of 2664 Bottom 11.8% in $100M-$1B

2179

Return on Assets

profitability

Value: 0.64%

Peer Median: 1.27%

#2179 of 2664 Bottom 18.2% in $100M-$1B

2151

Total Deposits

size

Value: $143.57M

Peer Median: $327.97M

#2151 of 2664 Bottom 19.3% in $100M-$1B

2135

Total Assets

size

Value: $172.30M

Peer Median: $386.08M

#2135 of 2664 Bottom 19.9% in $100M-$1B