BlastPoint's Banking Scorecard

City National Bank of Florida

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

Miami, FL

31 branches across FL

137 banks in the $10B-$250B peer group nationally 6 in 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 9.76% below tier average
+ Delinquency Rate 0.15% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 25.0% in tier
- Credit Risk Growth: Bottom 43.9% in tier
- ROA 0.09% below tier average
- Net Interest Margin 0.83% below tier average

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

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Total Assets ?	$28.6B +5.3% YoY +2.1% QoQ	-$18.3B	$47.0B -1.9% YoY	$4.3B +10.8% YoY	$6.2B +9.1% YoY	58%
Total Loans ?	$20.2B +7.5% YoY +2.7% QoQ	-$9.2B	$29.4B -0.4% YoY	$3.0B +12.4% YoY	$3.2B +10.8% YoY	60%
Total Deposits ?	$22.1B +0.5% YoY +0.6% QoQ	-$16.3B	$38.4B -1.6% YoY	$3.6B +11.7% YoY	$4.8B +8.2% YoY	53%
Return on Assets ?	1.19% +44.2% YoY +24.3% QoQ	-0.09%	1.28% +18.7% YoY	0.83% +61.5% YoY	1.23% +13.4% YoY	48%
Net Interest Margin ?	2.94% +15.5% YoY +8.4% QoQ	-0.83%	3.77% +5.8% YoY	3.75% +4.2% YoY	3.89% +5.7% YoY	22%
Efficiency Ratio ?	44.24% -13.4% YoY -8.1% QoQ	-9.76%	54.01% -3.7% YoY	71.93% -25.2% YoY	66.95% -4.1% YoY	82%
Delinquency Rate ?	0.87% +29.3% YoY -9.2% QoQ	-0.15%	1.02% -3.8% YoY	0.63% -5.7% YoY	0.95% +18.8% YoY	40%
Loan-to-Deposit Ratio ?	91.33% +7.0% YoY +2.1% QoQ	+10.54%	80.79% +1.9% YoY	73.79% +1.2% YoY	76.70% +0.9% YoY	23%
Non-Interest-Bearing Deposit Share ?	24.42% +10.0% YoY +9.6% QoQ	+4.38%	20.04% +0.2% YoY	27.22% -2.5% YoY	22.01% -1.2% YoY	59%
Nonperforming Asset Ratio ?	0.79% +53.2% YoY +11.5% QoQ	+0.07%	0.72% +4.2% YoY	0.43% -5.1% YoY	0.67% +19.3% YoY	24%
Tier 1 Capital Ratio ?	14.39% +2.1% YoY +0.1% QoQ	-1.13%	15.51% -0.4% YoY	16.64% -24.7% YoY	17.06% +0.8% YoY	69%
Non-Interest Income / Assets ?	0.10% +1.8% YoY -75.9% QoQ	-0.12%	0.22% +0.3% YoY	0.50% +7.6% YoY	0.32% +4.1% YoY	29%

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

#10 of 36 • Bottom 25.0% 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: 91.33%

(Tier: 80.79%, National: 76.70%)

worse than tier avg

36 of 36 Large banks match · 1013 nationally

→ Stable -50 banks QoQ

Credit Risk Growth

risk

#30 of 66 • Bottom 43.9% in tier

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

66 of 66 Large banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank declining

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 137 peers in $10B-$250B

Top Strengths (1 metrics)

Efficiency Ratio

profitability

Value: 44.24%

Peer Median: 54.01%

#25 of 137 Top 17.5% in $10B-$250B

Top Weaknesses (3 metrics)

108

Net Interest Margin

profitability

Value: 2.94%

Peer Median: 3.77%

#108 of 137 Bottom 21.9% in $10B-$250B

106

Loan-to-Deposit Ratio

liquidity

Value: 91.33%

Peer Median: 80.79%

#106 of 137 Bottom 23.4% in $10B-$250B

105

Nonperforming Asset Ratio

credit_quality

Value: 0.79%

Peer Median: 0.72%

#105 of 137 Bottom 24.1% in $10B-$250B