BlastPoint's Banking Scorecard

Bradesco Bank

$1B-$10B Specialty: Other FL FDIC cert 21265

Coral Gables, FL

884 banks in the $1B-$10B peer group nationally 27 in FL

Bradesco Bank has 2 strengths but faces 2 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 17.3% in tier
+ Efficiency Ratio 4.45% below tier average

Key Concerns

Areas that may need attention

- ROA 0.22% below tier average
- Net Interest Margin 0.84% 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 ?	$5.5B +8.5% YoY +1.5% QoQ	+$2.7B	$2.8B -0.1% YoY	$4.3B +10.8% YoY	$6.2B +9.1% YoY	Top 12.6% in tier
Total Loans ?	$4.2B +11.9% YoY -2.4% QoQ	+$2.3B	$2.0B +0.6% YoY	$3.0B +12.4% YoY	$3.2B +10.8% YoY	Top 11.0% in tier
Total Deposits ?	$4.6B +5.0% YoY -0.2% QoQ	+$2.2B	$2.3B -0.3% YoY	$3.6B +11.7% YoY	$4.8B +8.2% YoY	Top 12.4% in tier
Return on Assets ?	1.15% +27.3% YoY +21.7% QoQ	-0.22%	1.37% +19.6% YoY	0.83% +61.5% YoY	1.23% +13.4% YoY	44%
Net Interest Margin ?	2.98% +15.8% YoY +7.9% QoQ	-0.84%	3.82% +6.9% YoY	3.75% +4.2% YoY	3.89% +5.7% YoY	16%
Efficiency Ratio ?	56.61% -4.2% YoY -3.3% QoQ	-4.45%	61.06% -4.6% YoY	71.93% -25.2% YoY	66.95% -4.1% YoY	60%
Delinquency Rate ?	0.22% -1.2% YoY +6.1% QoQ	-0.67%	0.89% +14.1% YoY	0.63% -5.7% YoY	0.95% +18.8% YoY	77%
Loan-to-Deposit Ratio ?	91.85% +6.5% YoY -2.3% QoQ	+7.65%	84.20% +0.3% YoY	73.79% +1.2% YoY	76.70% +0.9% YoY	32%
Non-Interest-Bearing Deposit Share ?	20.36% +1.1% YoY -11.2% QoQ	-0.93%	21.29% -2.5% YoY	27.22% -2.5% YoY	22.01% -1.2% YoY	54%
Nonperforming Asset Ratio ?	0.17% +1.9% YoY +2.0% QoQ	-0.51%	0.67% +15.6% YoY	0.43% -5.1% YoY	0.67% +19.3% YoY	77%
Tier 1 Capital Ratio ?	15.34% -10.0% YoY -3.4% QoQ	+0.18%	15.16% +2.0% YoY	16.64% -24.7% YoY	17.06% +0.8% YoY	76%
Non-Interest Income / Assets ?	0.17% +21.9% YoY -67.4% QoQ	-0.08%	0.26% +1.6% YoY	0.50% +7.6% YoY	0.32% +4.1% YoY	63%

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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

#39 of 220 • Top 17.3% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.22%

(Tier: 0.89%, National: 0.95%)

better than tier avg

220 of 220 Mid-Market banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

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 884 peers in $1B-$10B

Top Strengths (6 metrics)

Total Loans

size

Value: $4.22B

Peer Median: $1.96B

#98 of 884 Top 11.0% in $1B-$10B

111

Total Deposits

size

Value: $4.59B

Peer Median: $2.34B

#111 of 884 Top 12.4% in $1B-$10B

112

Total Assets

size

Value: $5.55B

Peer Median: $2.82B

#112 of 884 Top 12.6% in $1B-$10B

201

Nonperforming Asset Ratio

credit_quality

Value: 0.17%

Peer Median: 0.67%

#201 of 884 Top 22.6% in $1B-$10B

205

Delinquency Rate

credit_quality

Value: 0.22%

Peer Median: 0.89%

#205 of 880 Top 23.2% in $1B-$10B

212

Tier 1 Capital Ratio

capital

Value: 15.34%

Peer Median: 15.16%

#212 of 884 Top 23.9% in $1B-$10B

Top Weaknesses (1 metrics)

742

Net Interest Margin

profitability

Value: 2.98%

Peer Median: 3.82%

#742 of 884 Bottom 16.2% in $1B-$10B