BlastPoint's Banking Scorecard
Bradesco Bank
Coral Gables, 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 885 banks in the $1B-$10B peer group nationwide — 1 of 24 in FL.
- Deposits +18.2% year over year ($5.0B on the books).
- Delinquency rate 0.15%.
- Return on assets 1.03%.
- Efficiency ratio 59.34% vs a 59.73% peer average.
- Loan-to-deposit ratio 90.40% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bradesco Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 0.39% below tier average
- + Delinquency Rate 0.71% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.36% below tier average
- - Net Interest Margin 0.91% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$6.1B
+19.2% YoY
+9.9% QoQ
|
+$3.3B |
$2.8B
-0.6% YoY
|
$4.3B
+7.0% YoY
|
$6.3B
+7.7% YoY
|
Top 9.8% in tier |
| Total Loans ? |
$4.5B
+15.2% YoY
+7.2% QoQ
|
+$2.6B |
$2.0B
-0.3% YoY
|
$3.0B
+8.2% YoY
|
$3.2B
+9.4% YoY
|
Top 8.6% in tier |
| Total Deposits ? |
$5.0B
+18.2% YoY
+8.9% QoQ
|
+$2.7B |
$2.3B
-0.5% YoY
|
$3.5B
+7.0% YoY
|
$4.9B
+7.3% YoY
|
Top 10.3% in tier |
| Return on Assets ? |
1.03%
+13.3% YoY
-9.8% QoQ
|
-0.36% |
1.39%
+17.0% YoY
|
0.62%
-8.3% YoY
|
1.30%
+12.1% YoY
|
32% |
| Net Interest Margin ? |
2.96%
+10.9% YoY
-0.7% QoQ
|
-0.91% |
3.87%
+6.2% YoY
|
3.70%
+0.5% YoY
|
3.95%
+4.9% YoY
|
Bottom 13.4% in tier |
| Efficiency Ratio ? |
59.34%
+1.1% YoY
+4.8% QoQ
|
-0.39% |
59.73%
-12.6% YoY
|
199.20%
+161.3% YoY
|
70.05%
+2.5% YoY
|
49% |
| Delinquency Rate ? |
0.15%
-41.4% YoY
-30.0% QoQ
|
-0.71% |
0.87%
+11.7% YoY
|
0.61%
-2.0% YoY
|
0.98%
+16.3% YoY
|
83% |
| Loan-to-Deposit Ratio ? |
90.40%
-2.5% YoY
-1.6% QoQ
|
+5.37% |
85.04%
-0.1% YoY
|
72.91%
-1.7% YoY
|
79.03%
+2.3% YoY
|
39% |
| Non-Interest-Bearing Deposit Share ? |
19.08%
-8.7% YoY
-6.3% QoQ
|
-2.19% |
21.27%
-1.5% YoY
|
27.35%
-2.5% YoY
|
21.98%
-0.6% YoY
|
46% |
| Nonperforming Asset Ratio ? |
0.13%
-34.6% YoY
-21.2% QoQ
|
-0.54% |
0.67%
+11.7% YoY
|
0.42%
-2.6% YoY
|
0.69%
+15.8% YoY
|
81% |
| Tier 1 Capital Ratio ? |
13.93%
-16.4% YoY
-9.2% QoQ
|
-0.91% |
14.84%
-0.4% YoY
|
19.50%
+8.2% YoY
|
17.09%
+0.8% YoY
|
62% |
| Non-Interest Income / Assets ? |
0.31%
+8.9% YoY
+75.7% QoQ
|
-0.22% |
0.53%
+2.5% YoY
|
1.02%
+6.4% YoY
|
0.66%
+5.2% YoY
|
54% |
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 |
19.1%
-1.8pp YoY -1.3pp QoQ |
-2.3pp | 21.4% | 27.7% | 22.2% | 45% |
| Brokered Deposits |
12.0%
-2.5pp YoY -1.6pp QoQ |
+2.5pp | 9.5% | 8.7% | 8.5% | 74% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
9.8%
+3.3pp YoY +0.2pp QoQ |
-4.2pp | 14.0% | 12.9% | 12.5% | 43% |
| CRE |
7.7%
+0.1pp YoY -0.4pp QoQ |
-42.3pp | 50.0% | 50.6% | 41.4% | 1% |
| 1-4 Family |
55.7%
-3.8pp YoY -2.4pp QoQ |
+29.3pp | 26.4% | 30.7% | 31.3% | 93% |
| Consumer |
1.6%
+0.1pp YoY 0.0pp QoQ |
-3.1pp | 4.7% | 3.7% | 5.0% | 58% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
13.9%
-2.7pp YoY -1.4pp QoQ |
-1.7pp | 15.6% | 19.8% | 19.7% | 56% |
| Leverage Ratio |
10.1%
-0.9pp YoY -0.1pp QoQ |
-1.2pp | 11.3% | 13.9% | 12.6% | 39% |
| Total Capital Ratio |
15.0%
-2.8pp YoY -1.5pp QoQ |
-1.7pp | 16.7% | 21.1% | 20.8% | 55% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
339
+53 (+18.5%) YoY +8 (+2.4%) QoQ |
+25 | 313 | 295 | 482 | 71% |
| Assets per Employee ($) |
$18.0M
+0.6% YoY +7.3% QoQ |
+$7.5M | $10.5M | $10.3M | $8.8M | 94% |
| Branch Count |
1
0 YoY 0 QoQ |
-19 | 20 | 13 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | 0.0% | -0.2pp | 0.2% | 0.3% | 0.4% | 14% |
| Nonaccrual |
0.2%
-0.1pp YoY -0.1pp QoQ |
-0.7pp | 0.8% | 0.7% | 1.0% | 16% |
| Allowance Coverage |
6.29x
+66.5% YoY +37.4% QoQ |
-12.42x | 18.71x | 16.62x | 20.23x | 82% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp QoQ |
-0.3pp | 0.3% | 0.2% | 0.2% | 21% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.0%
+1.1pp YoY -0.8pp QoQ |
-2.6pp | 12.6% | 9.3% | 11.6% | 33% |
| Cost of Funds (YTD) |
2.9%
-0.1pp YoY 0.0pp QoQ |
+1.0pp | 1.9% | 1.8% | 1.7% | 94% |
| Net Income ($, YTD) |
$29.5M
+24.0% YoY — QoQ |
+$10.3M | $19.2M | $25.2M | $40.4M | 82% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.