BlastPoint's Banking Scorecard
Bank of Belle Glade
Belle Glade, 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 -6.1% year over year ($145.4M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.06%.
- Efficiency ratio 59.26% vs a 64.48% peer average.
- Loan-to-deposit ratio 46.79% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bank of Belle Glade has 4 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 34.5% in tier
- + Non-Interest-Bearing Deposit Share 21.30% above tier average
- + Nonperforming Asset Ratio 0.67% below tier average
- + Efficiency Ratio 5.22% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 2.4% in tier
- - Margin Compression: Bottom 8.8% in tier
- - Deposit Outflow: Bottom 25.6% in tier
- - Cost Spiral: Bottom 56.5% in tier
- - Net Interest Margin 0.60% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$160.1M
-4.8% YoY
+2.7% QoQ
|
-$226.5M |
$386.6M
+1.2% YoY
|
$4.3B
+7.0% YoY
|
$6.3B
+7.7% YoY
|
17% |
| Total Loans ? |
$68.0M
+9.0% YoY
+0.2% QoQ
|
-$190.3M |
$258.3M
+1.7% YoY
|
$3.0B
+8.2% YoY
|
$3.2B
+9.4% YoY
|
Bottom 6.7% in tier |
| Total Deposits ? |
$145.4M
-6.1% YoY
+2.5% QoQ
|
-$181.3M |
$326.7M
+0.7% YoY
|
$3.5B
+7.0% YoY
|
$4.9B
+7.3% YoY
|
20% |
| Return on Assets ? |
1.06%
-20.4% YoY
+1.2% QoQ
|
-0.26% |
1.32%
+10.8% YoY
|
0.62%
-8.3% YoY
|
1.30%
+12.1% YoY
|
38% |
| Net Interest Margin ? |
3.39%
-2.2% YoY
+1.1% QoQ
|
-0.60% |
3.99%
+5.0% YoY
|
3.70%
+0.5% YoY
|
3.95%
+4.9% YoY
|
23% |
| Efficiency Ratio ? |
59.26%
+18.7% YoY
-0.6% QoQ
|
-5.22% |
64.48%
-3.2% YoY
|
199.20%
+161.3% YoY
|
70.05%
+2.5% YoY
|
59% |
| 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 ? |
46.79%
+16.1% YoY
-2.3% QoQ
|
-31.16% |
77.95%
+1.0% YoY
|
72.91%
-1.7% YoY
|
79.03%
+2.3% YoY
|
Top 6.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
43.33%
+1.4% YoY
+8.1% QoQ
|
+21.30% |
22.03%
-0.6% YoY
|
27.35%
-2.5% YoY
|
21.98%
-0.6% YoY
|
Top 3.2% in tier |
| 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 ? |
10.23%
+15.8% YoY
+3.9% QoQ
|
-5.68% |
15.91%
+1.4% YoY
|
19.50%
+8.2% YoY
|
17.09%
+0.8% YoY
|
Bottom 13.3% in tier |
| Non-Interest Income / Assets ? |
0.09%
+11.0% YoY
+79.1% QoQ
|
-0.47% |
0.57%
+7.6% YoY
|
1.02%
+6.4% YoY
|
0.66%
+5.2% YoY
|
16% |
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 |
43.3%
+0.6pp YoY +3.2pp QoQ |
+21.2pp | 22.1% | 27.7% | 22.2% | 97% |
| 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 |
5.0%
-0.4pp YoY -0.9pp QoQ |
-6.6pp | 11.6% | 12.9% | 12.5% | 20% |
| CRE |
30.6%
+0.2pp YoY +0.4pp QoQ |
-8.9pp | 39.5% | 50.6% | 41.4% | 36% |
| 1-4 Family |
61.8%
+0.4pp YoY +0.9pp QoQ |
+29.2pp | 32.6% | 30.7% | 31.3% | 91% |
| Consumer |
1.2%
+0.3pp YoY -0.1pp QoQ |
-2.9pp | 4.1% | 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 | 18.8% | 19.8% | 19.7% | n/a |
| Leverage Ratio |
10.2%
+1.4pp YoY +0.4pp QoQ |
-1.9pp | 12.2% | 13.9% | 12.6% | 36% |
| 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 |
17
+1 (+6.2%) YoY 0 QoQ |
-42 | 58 | 295 | 482 | 7% |
| Assets per Employee ($) |
$9.4M
-10.4% YoY +2.7% QoQ |
+$1.9M | $7.5M | $10.3M | $8.8M | 82% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 13 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.3% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 0.7% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 16.62x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.2% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.7%
-5.8pp YoY 0.0pp QoQ |
+0.5pp | 12.2% | 9.3% | 11.6% | 54% |
| Cost of Funds (YTD) |
0.9%
0.0pp YoY 0.0pp QoQ |
-0.9pp | 1.7% | 1.8% | 1.7% | 7% |
| Net Income ($, YTD) |
$839,000
-21.4% YoY — QoQ |
-$1.7M | $2.6M | $25.2M | $40.4M | 21% |
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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 (4)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.