BlastPoint's Banking Scorecard

City National Bank of Florida

$10B-$250B Specialty: Commercial FL FDIC cert 20234

Miami, FL

30 branches across 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 139 banks in the $10B-$250B peer group nationwide — 1 of 7 in FL.
Deposits +2.7% year over year ($22.1B on the books).
Delinquency rate 0.81%.
Return on assets 1.24%.
Efficiency ratio 43.19% vs a 53.67% peer average.
Loan-to-deposit ratio 92.20% vs a 82.61% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

139 banks in the $10B-$250B peer group nationally 7 in FL

View $10B-$250B leaderboard (FL) →

City National Bank of Florida has 2 strengths but faces 4 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

+ Efficiency Ratio 10.48% below tier average
+ Delinquency Rate 0.20% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 35.0% in tier
- Credit Risk Growth: Bottom 35.6% in tier
- ROA 0.15% below tier average
- Net Interest Margin 0.95% below tier average

Get updates when City National Bank of Florida releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Total Assets ?	$29.1B +7.6% YoY +1.7% QoQ	-$14.5B	$43.6B -13.8% YoY	$4.3B +7.0% YoY	$6.3B +7.7% YoY	62%
Total Loans ?	$20.4B +7.7% YoY +1.1% QoQ	-$7.6B	$28.0B -8.6% YoY	$3.0B +8.2% YoY	$3.2B +9.4% YoY	62%
Total Deposits ?	$22.1B +2.7% YoY +0.2% QoQ	-$13.3B	$35.4B -14.0% YoY	$3.5B +7.0% YoY	$4.9B +7.3% YoY	56%
Return on Assets ?	1.24% +37.8% YoY +4.6% QoQ	-0.15%	1.39% +25.9% YoY	0.62% -8.3% YoY	1.30% +12.1% YoY	50%
Net Interest Margin ?	2.97% +14.8% YoY +1.0% QoQ	-0.95%	3.92% +8.9% YoY	3.70% +0.5% YoY	3.95% +4.9% YoY	19%
Efficiency Ratio ?	43.19% -11.3% YoY -2.4% QoQ	-10.48%	53.67% -1.9% YoY	199.20% +161.3% YoY	70.05% +2.5% YoY	84%
Delinquency Rate ?	0.81% +22.1% YoY -5.9% QoQ	-0.20%	1.01% -2.8% YoY	0.61% -2.0% YoY	0.98% +16.3% YoY	44%
Loan-to-Deposit Ratio ?	92.20% +4.9% YoY +0.9% QoQ	+9.59%	82.61% +3.1% YoY	72.91% -1.7% YoY	79.03% +2.3% YoY	22%
Non-Interest-Bearing Deposit Share ?	23.49% +6.6% YoY -3.8% QoQ	+2.91%	20.58% +4.9% YoY	27.35% -2.5% YoY	21.98% -0.6% YoY	55%
Nonperforming Asset Ratio ?	0.75% +44.4% YoY -4.9% QoQ	+0.02%	0.73% +5.8% YoY	0.42% -2.6% YoY	0.69% +15.8% YoY	27%
Tier 1 Capital Ratio ?	14.65% +1.6% YoY +1.8% QoQ	-0.70%	15.35% -0.4% YoY	19.50% +8.2% YoY	17.09% +0.8% YoY	73%
Non-Interest Income / Assets ?	0.22% +4.0% YoY +116.5% QoQ	-0.27%	0.50% +10.5% YoY	1.02% +6.4% YoY	0.66% +5.2% YoY	27%

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	23.5% +1.5pp YoY -0.9pp QoQ	+2.5pp	21.0%	27.7%	22.2%	53%
Brokered Deposits	5.4% -6.7pp YoY -3.6pp QoQ	-3.8pp	9.2%	8.7%	8.5%	45%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
C&I	14.7% +0.3pp YoY +0.3pp QoQ	-2.4pp	17.2%	12.9%	12.5%	47%
CRE	53.5% -2.6pp YoY +0.5pp QoQ	+11.4pp	42.0%	50.6%	41.4%	69%
1-4 Family	22.1% +0.2pp YoY -0.1pp QoQ	-1.0pp	23.1%	30.7%	31.3%	54%
Consumer	0.2% 0.0pp YoY 0.0pp QoQ	-12.7pp	12.9%	3.7%	5.0%	14%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
CET1 Ratio	14.7% +0.2pp YoY +0.3pp QoQ	-0.6pp	15.3%	19.8%	19.7%	73%
Leverage Ratio	11.4% +0.7pp YoY +0.2pp QoQ	+1.0pp	10.4%	13.9%	12.6%	78%
Total Capital Ratio	15.7% +0.2pp YoY +0.3pp QoQ	-0.8pp	16.5%	21.1%	20.8%	71%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Full-Time Employees	1,172 +38 (+3.4%) YoY +38 (+3.4%) QoQ	-2,086	3,258	295	482	25%
Assets per Employee ($)	$24.8M +4.1% YoY -1.6% QoQ	-$2.2M	$27.0M	$10.3M	$8.8M	81%
Branch Count	30 -1 (-3.2%) YoY -1 (-3.2%) QoQ	-108	137	13	18	30%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.4%	0.3%	0.4%	n/a
Nonaccrual	0.8% +0.1pp YoY -0.1pp QoQ	+0.1pp	0.7%	0.7%	1.0%	66%
Allowance Coverage	1.35x -18.8% YoY +5.5% QoQ	-1.46x	2.81x	16.62x	20.23x	34%
Net Charge-off Rate (YTD)	0.1% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.4%	0.2%	0.2%	36%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
ROE	11.9% +2.6pp YoY +0.4pp QoQ	-0.8pp	12.6%	9.3%	11.6%	58%
Cost of Funds (YTD)	2.3% -0.4pp YoY 0.0pp QoQ	+0.3pp	2.0%	1.8%	1.7%	68%
Net Income ($, YTD)	$177.6M +46.4% YoY — QoQ	-$119.3M	$296.8M	$25.2M	$40.4M	55%

Get Full Access to City National Bank of Florida

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

Want to see an example first? Preview JPMorgan Chase's scorecard →

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 (2)

Liquidity Strain

risk

#15 of 40 • Bottom 35.0% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 92.20%

(Tier: 82.61%, National: 79.03%)

worse than tier avg

40 of 40 Large banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank declining

Credit Risk Growth

risk

#22 of 59 • Bottom 35.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

59 of 59 Large banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank improving

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 139 peers in $10B-$250B

Top Strengths (1 metrics)

Efficiency Ratio

profitability

Value: 43.19%

Peer Median: 53.67%

#23 of 139 Top 15.8% in $10B-$250B

Top Weaknesses (2 metrics)

113

Net Interest Margin

profitability

Value: 2.97%

Peer Median: 3.92%

#113 of 139 Bottom 19.4% in $10B-$250B

110

Loan-to-Deposit Ratio

liquidity

Value: 92.20%

Peer Median: 82.61%

#110 of 139 Bottom 21.6% in $10B-$250B