BlastPoint's Banking Scorecard

Bank of Belle Glade

$100M-$1B Specialty: Other FL FDIC cert 18930

Belle Glade, FL

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

Bank of Belle Glade has 4 strengths but faces 5 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 37.4% in tier
+ Non-Interest-Bearing Deposit Share 18.07% above tier average
+ Nonperforming Asset Ratio 0.64% below tier average
+ Efficiency Ratio 5.70% below tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 0.2% in tier
- Capital Thin: Bottom 1.0% in tier
- Cost Spiral: Bottom 47.6% in tier
- ROA 0.22% below tier average
- Net Interest Margin 0.58% below 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 ?	$155.9M -8.2% YoY -1.9% QoQ	-$230.2M	$386.1M +0.5% YoY	$4.3B +10.8% YoY	$6.2B +9.1% YoY	16%
Total Loans ?	$67.9M +11.2% YoY +2.7% QoQ	-$187.8M	$255.7M +1.1% YoY	$3.0B +12.4% YoY	$3.2B +10.8% YoY	Bottom 6.9% in tier
Total Deposits ?	$141.8M -9.9% YoY -2.5% QoQ	-$186.2M	$328.0M +0.1% YoY	$3.6B +11.7% YoY	$4.8B +8.2% YoY	19%
Return on Assets ?	1.05% -17.2% YoY -18.5% QoQ	-0.22%	1.27% +12.9% YoY	0.83% +61.5% YoY	1.23% +13.4% YoY	41%
Net Interest Margin ?	3.35% +1.3% YoY -5.6% QoQ	-0.58%	3.93% +6.0% YoY	3.75% +4.2% YoY	3.89% +5.7% YoY	24%
Efficiency Ratio ?	59.59% +17.7% YoY +12.6% QoQ	-5.70%	65.29% -4.5% YoY	71.93% -25.2% YoY	66.95% -4.1% YoY	61%
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 ?	47.90% +23.4% YoY +5.4% QoQ	-28.74%	76.64% +0.8% YoY	73.79% +1.2% YoY	76.70% +0.9% YoY	Top 7.8% in tier
Non-Interest-Bearing Deposit Share ?	40.09% -14.9% YoY -2.7% QoQ	+18.07%	22.02% -1.0% YoY	27.22% -2.5% YoY	22.01% -1.2% YoY	Top 4.6% in tier
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 ?	9.85% +2.3% YoY +3.1% QoQ	-5.98%	15.83% +1.5% YoY	16.64% -24.7% YoY	17.06% +0.8% YoY	Bottom 7.9% in tier
Non-Interest Income / Assets ?	0.05% +13.1% YoY -72.0% QoQ	-0.23%	0.28% +9.3% YoY	0.50% +7.6% YoY	0.32% +4.1% YoY	20%

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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

#249 of 664 • Top 37.4% 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 (3)

Deposit Outflow

decline

#2 of 506 • Bottom 0.2% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 banks QoQ

Capital Thin

risk

#8 of 666 • Bottom 1.0% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 9.85%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Cost Spiral

risk

#61 of 126 • Bottom 47.6% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature

Efficiency Ratio: 59.59%

(Tier: 65.29%, National: 66.95%)

better than tier avg

126 of 126 Community banks match · 176 nationally

↑ Growing +82 banks QoQ

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

124

Non-Interest-Bearing Deposit Share

funding

Value: 40.09%

Peer Median: 22.02%

#124 of 2664 Top 4.6% in $100M-$1B

210

Loan-to-Deposit Ratio

liquidity

Value: 47.90%

Peer Median: 76.64%

#210 of 2664 Top 7.8% in $100M-$1B

Top Weaknesses (6 metrics)

2481

Total Loans

size

Value: $67.92M

Peer Median: $255.72M

#2481 of 2664 Bottom 6.9% in $100M-$1B

2455

Tier 1 Capital Ratio

capital

Value: 9.85%

Peer Median: 15.83%

#2455 of 2664 Bottom 7.9% in $100M-$1B

2239

Total Assets

size

Value: $155.89M

Peer Median: $386.08M

#2239 of 2664 Bottom 16.0% in $100M-$1B

2169

Total Deposits

size

Value: $141.80M

Peer Median: $327.97M

#2169 of 2664 Bottom 18.6% in $100M-$1B

2121

Non-Interest Income / Assets

revenue_mix

Value: 0.05%

Peer Median: 0.28%

#2121 of 2664 Bottom 20.4% in $100M-$1B

2023

Net Interest Margin

profitability

Value: 3.35%

Peer Median: 3.93%

#2023 of 2664 Bottom 24.1% in $100M-$1B