BlastPoint's Banking Scorecard
First National Bank of Wauchula
Designations: ✓ Community bank
Wauchula, 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 536 banks in the under $100M peer group nationwide — 1 of 6 in FL.
- Deposits +2.2% year over year ($76.2M on the books).
- Delinquency rate 0.82%.
- Return on assets 0.63%.
- Efficiency ratio 87.86% vs a 119.40% peer average.
- Loan-to-deposit ratio 73.65% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First National Bank of Wauchula has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.60% above tier average
- + Efficiency Ratio 31.54% below tier average
- + Delinquency Rate 0.66% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.37% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$87.5M
+2.6% YoY
-0.7% QoQ
|
+$25.1M |
$62.4M
-0.0% YoY
|
$4.3B
+7.0% YoY
|
$6.3B
+7.7% YoY
|
83% |
| Total Loans ? |
$56.1M
-11.3% YoY
-2.3% QoQ
|
+$21.2M |
$34.9M
-0.6% YoY
|
$3.0B
+8.2% YoY
|
$3.2B
+9.4% YoY
|
83% |
| Total Deposits ? |
$76.2M
+2.2% YoY
-1.0% QoQ
|
+$24.6M |
$51.6M
-0.2% YoY
|
$3.5B
+7.0% YoY
|
$4.9B
+7.3% YoY
|
Top 14.6% in tier |
| Return on Assets ? |
0.63%
-66.9% YoY
+11.5% QoQ
|
-0.37% |
1.00%
+3.5% YoY
|
0.62%
-8.3% YoY
|
1.30%
+12.1% YoY
|
32% |
| Net Interest Margin ? |
5.51%
+0.8% YoY
+4.8% QoQ
|
+1.60% |
3.91%
+2.3% YoY
|
3.70%
+0.5% YoY
|
3.95%
+4.9% YoY
|
Top 5.2% in tier |
| Efficiency Ratio ? |
87.86%
+29.7% YoY
-1.0% QoQ
|
-31.54% |
119.40%
+49.6% YoY
|
199.20%
+161.3% YoY
|
70.05%
+2.5% YoY
|
20% |
| Delinquency Rate ? |
0.82%
-27.2% YoY
-34.8% QoQ
|
-0.66% |
1.48%
+31.8% YoY
|
0.61%
-2.0% YoY
|
0.98%
+16.3% YoY
|
41% |
| Loan-to-Deposit Ratio ? |
73.65%
-13.2% YoY
-1.3% QoQ
|
-0.56% |
74.21%
+12.6% YoY
|
72.91%
-1.7% YoY
|
79.03%
+2.3% YoY
|
40% |
| Non-Interest-Bearing Deposit Share ? |
34.00%
+6.3% YoY
+3.3% QoQ
|
+10.51% |
23.49%
+0.6% YoY
|
27.35%
-2.5% YoY
|
21.98%
-0.6% YoY
|
83% |
| Nonperforming Asset Ratio ? |
0.53%
-37.1% YoY
-35.9% QoQ
|
-0.31% |
0.84%
+23.0% YoY
|
0.42%
-2.6% YoY
|
0.69%
+15.8% YoY
|
38% |
| Tier 1 Capital Ratio ? |
12.16%
+4.1% YoY
-1.9% QoQ
|
-14.96% |
27.13%
+3.0% YoY
|
19.50%
+8.2% YoY
|
17.09%
+0.8% YoY
|
24% |
| Non-Interest Income / Assets ? |
0.20%
-64.6% YoY
+108.6% QoQ
|
-1.18% |
1.38%
+6.3% YoY
|
1.02%
+6.4% YoY
|
0.66%
+5.2% YoY
|
69% |
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 |
34.0%
+2.0pp YoY +1.1pp QoQ |
+9.4pp | 24.6% | 27.7% | 22.2% | 82% |
| Brokered Deposits |
0.3%
-0.4pp YoY 0.0pp QoQ |
-9.5pp | 9.8% | 8.7% | 8.5% | 5% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
8.2%
+2.3pp YoY +0.8pp QoQ |
-5.2pp | 13.4% | 12.9% | 12.5% | 40% |
| CRE |
28.0%
+2.0pp YoY -0.9pp QoQ |
+2.8pp | 25.2% | 50.6% | 41.4% | 67% |
| 1-4 Family |
56.6%
-2.0pp YoY +0.1pp QoQ |
+21.6pp | 35.0% | 30.7% | 31.3% | 78% |
| Consumer |
3.2%
-0.2pp YoY 0.0pp QoQ |
-4.5pp | 7.7% | 3.7% | 5.0% | 34% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 19.8% | 19.7% | n/a |
| Leverage Ratio |
12.2%
+0.5pp YoY -0.2pp QoQ |
-5.5pp | 17.7% | 13.9% | 12.6% | 42% |
| Total Capital Ratio | n/a | n/a | 39.7% | 21.1% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
24
+1 (+4.3%) YoY 0 QoQ |
+12 | 12 | 295 | 482 | 94% |
| Assets per Employee ($) |
$3.6M
-1.7% YoY -0.7% QoQ |
-$2.5M | $6.2M | $10.3M | $8.8M | 15% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 13 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.3% | 0.4% | n/a |
| Nonaccrual |
0.8%
-0.3pp YoY -0.4pp QoQ |
-0.9pp | 1.7% | 0.7% | 1.0% | 52% |
| Allowance Coverage |
2.27x
+57.7% YoY +57.0% QoQ |
-4.14x | 6.41x | 16.62x | 20.23x | 64% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.2% | 0.2% | 0.2% | 17% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
5.7%
-13.0pp YoY +0.6pp QoQ |
-0.7pp | 6.4% | 9.3% | 11.6% | 36% |
| Cost of Funds (YTD) |
1.3%
-0.3pp YoY 0.0pp QoQ |
-0.1pp | 1.4% | 1.8% | 1.7% | 47% |
| Net Income ($, YTD) |
$275,000
-66.8% YoY — QoQ |
-$43K | $317,817 | $25.2M | $40.4M | 48% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.