BlastPoint's Banking Scorecard

First National Bank of Wauchula

under $100M Specialty: Other FL FDIC cert 18136

Designations: ✓ Community bank

Wauchula, FL

541 banks in the under $100M peer group nationally 4 in FL

First National Bank of Wauchula has 2 strengths but faces 2 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

+ Net Interest Margin 1.40% above tier average
+ Delinquency Rate 0.12% below tier average

Key Concerns

Areas that may need attention

- ROA 0.27% below tier average
- Efficiency Ratio 0.41% 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 ?	$88.1M +1.3% YoY +3.0% QoQ	+$26.0M	$62.2M -0.6% YoY	$4.3B +10.8% YoY	$6.2B +9.1% YoY	84%
Total Loans ?	$57.5M -12.1% YoY -7.1% QoQ	+$23.2M	$34.2M -1.4% YoY	$3.0B +12.4% YoY	$3.2B +10.8% YoY	Top 14.4% in tier
Total Deposits ?	$77.0M +3.4% YoY +3.2% QoQ	+$25.3M	$51.7M -0.7% YoY	$3.6B +11.7% YoY	$4.8B +8.2% YoY	Top 14.0% in tier
Return on Assets ?	0.57% -49.0% YoY -65.9% QoQ	-0.27%	0.84% -2.3% YoY	0.83% +61.5% YoY	1.23% +13.4% YoY	33%
Net Interest Margin ?	5.26% -1.9% YoY -4.9% QoQ	+1.40%	3.86% +2.8% YoY	3.75% +4.2% YoY	3.89% +5.7% YoY	Top 6.5% in tier
Efficiency Ratio ?	88.76% +13.0% YoY +23.3% QoQ	+0.41%	88.34% +0.3% YoY	71.93% -25.2% YoY	66.95% -4.1% YoY	22%
Delinquency Rate ?	1.26% +11.9% YoY +1.1% QoQ	-0.12%	1.37% +33.8% YoY	0.63% -5.7% YoY	0.95% +18.8% YoY	30%
Loan-to-Deposit Ratio ?	74.62% -15.0% YoY -10.0% QoQ	+10.41%	64.22% -0.7% YoY	73.79% +1.2% YoY	76.70% +0.9% YoY	36%
Non-Interest-Bearing Deposit Share ?	32.91% +4.0% YoY +9.5% QoQ	+9.19%	23.71% +0.3% YoY	27.22% -2.5% YoY	22.01% -1.2% YoY	80%
Nonperforming Asset Ratio ?	0.82% -2.9% YoY -8.8% QoQ	+0.03%	0.79% +28.2% YoY	0.43% -5.1% YoY	0.67% +19.3% YoY	27%
Tier 1 Capital Ratio ?	12.39% +8.0% YoY +0.6% QoQ	-14.29%	26.68% +2.0% YoY	16.64% -24.7% YoY	17.06% +0.8% YoY	26%
Non-Interest Income / Assets ?	0.09% -13.7% YoY -91.0% QoQ	-0.57%	0.67% +1.9% YoY	0.50% +7.6% YoY	0.32% +4.1% YoY	67%

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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 (0)

No matched strength signatures this quarter

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 541 peers in under $100M

Top Strengths (5 metrics)

Net Interest Margin

profitability

Value: 5.26%

Peer Median: 3.86%

#36 of 541 Top 6.5% in under $100M

Total Deposits

size

Value: $77.00M

Peer Median: $51.74M

#77 of 541 Top 14.0% in under $100M

Total Loans

size

Value: $57.46M

Peer Median: $34.25M

#79 of 541 Top 14.4% in under $100M

Total Assets

size

Value: $88.13M

Peer Median: $62.16M

#86 of 541 Top 15.7% in under $100M

109

Non-Interest-Bearing Deposit Share

funding

Value: 32.91%

Peer Median: 23.71%

#109 of 541 Top 20.0% in under $100M

Top Weaknesses (1 metrics)

423

Efficiency Ratio

profitability

Value: 88.76%

Peer Median: 88.34%

#423 of 541 Bottom 22.0% in under $100M