BlastPoint's Banking Scorecard

Pibank, National Association

$1B-$10B Specialty: Commercial FL FDIC cert 25258

Designations: ✓ Community bank

Miami, FL

2 branches across FL

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

Pibank, National Association has 2 strengths but faces 6 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 47.3% in tier
+ Nonperforming Asset Ratio 0.65% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 0.8% in tier
- NIB Deposit Bleed: Bottom 2.8% in tier
- Return on Assets 1.84% below tier average
- Net Interest Margin 1.98% below tier average
- Efficiency Ratio 62.30% above tier average
- Non-Interest Income / Assets 0.25% 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 ?	$2.0B +67.6% YoY +26.0% QoQ	-$786.8M	$2.8B -0.1% YoY	$4.3B +10.8% YoY	$6.2B +9.1% YoY	51%
Total Loans ?	$918.9M +60.4% YoY +9.2% QoQ	-$1.0B	$2.0B +0.6% YoY	$3.0B +12.4% YoY	$3.2B +10.8% YoY	27%
Total Deposits ?	$1.8B +84.0% YoY +30.1% QoQ	-$535.1M	$2.3B -0.3% YoY	$3.6B +11.7% YoY	$4.8B +8.2% YoY	54%
Return on Assets ?	-0.47% +42.7% YoY +41.3% QoQ	-1.84%	1.37% +19.6% YoY	0.83% +61.5% YoY	1.23% +13.4% YoY	Bottom 1.2% in tier
Net Interest Margin ?	1.84% -9.8% YoY -13.5% QoQ	-1.98%	3.82% +6.9% YoY	3.75% +4.2% YoY	3.89% +5.7% YoY	Bottom 1.6% in tier
Efficiency Ratio ?	123.36% -10.4% YoY -10.7% QoQ	+62.30%	61.06% -4.6% YoY	71.93% -25.2% YoY	66.95% -4.1% YoY	Bottom 0.9% in tier
Delinquency Rate ?	0.05% +8.0% YoY -40.9% QoQ	-0.84%	0.89% +14.1% YoY	0.63% -5.7% YoY	0.95% +18.8% YoY	Top 6.9% in tier
Loan-to-Deposit Ratio ?	50.82% -12.8% YoY -16.0% QoQ	-33.39%	84.20% +0.3% YoY	73.79% +1.2% YoY	76.70% +0.9% YoY	Top 4.3% in tier
Non-Interest-Bearing Deposit Share ?	4.64% -45.7% YoY -22.5% QoQ	-16.65%	21.29% -2.5% YoY	27.22% -2.5% YoY	22.01% -1.2% YoY	Bottom 4.4% in tier
Nonperforming Asset Ratio ?	0.02% +3.4% YoY -48.7% QoQ	-0.65%	0.67% +15.6% YoY	0.43% -5.1% YoY	0.67% +19.3% YoY	Top 5.1% in tier
Tier 1 Capital Ratio ?	17.26% -9.3% YoY +5.0% QoQ	+2.10%	15.16% +2.0% YoY	16.64% -24.7% YoY	17.06% +0.8% YoY	Top 13.9% in tier
Non-Interest Income / Assets ?	0.01% -69.2% YoY -56.0% QoQ	-0.25%	0.26% +1.6% YoY	0.50% +7.6% YoY	0.32% +4.1% YoY	Bottom 1.4% in tier

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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

#105 of 220 • Top 47.3% in tier

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

Why this signature

Delinquency Rate: 0.05%

(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 (2)

Credit Quality Pressure

risk

#5 of 513 • Bottom 0.8% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.05%

(Tier: 0.89%, National: 0.95%)

better than tier avg

513 of 513 Mid-Market banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank improving

NIB Deposit Bleed

decline

#2 of 36 • Bottom 2.8% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 4.64%

(Tier: 21.29%, National: 22.01%)

worse than tier avg

36 of 36 Mid-Market banks match · 238 nationally

↓ Shrinking -31 banks QoQ

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 (4 metrics)

Loan-to-Deposit Ratio

liquidity

Value: 50.82%

Peer Median: 84.20%

#39 of 884 Top 4.3% in $1B-$10B

Nonperforming Asset Ratio

credit_quality

Value: 0.02%

Peer Median: 0.67%

#46 of 884 Top 5.1% in $1B-$10B

Delinquency Rate

credit_quality

Value: 0.05%

Peer Median: 0.89%

#62 of 880 Top 6.9% in $1B-$10B

124

Tier 1 Capital Ratio

capital

Value: 17.26%

Peer Median: 15.16%

#124 of 884 Top 13.9% in $1B-$10B

Top Weaknesses (5 metrics)

877

Efficiency Ratio

profitability

Value: 123.36%

Peer Median: 61.06%

#877 of 884 Bottom 0.9% in $1B-$10B

874

Return on Assets

profitability

Value: -0.47%

Peer Median: 1.37%

#874 of 884 Bottom 1.2% in $1B-$10B

873

Non-Interest Income / Assets

revenue_mix

Value: 0.01%

Peer Median: 0.26%

#873 of 884 Bottom 1.4% in $1B-$10B

871

Net Interest Margin

profitability

Value: 1.84%

Peer Median: 3.82%

#871 of 884 Bottom 1.6% in $1B-$10B

846

Non-Interest-Bearing Deposit Share

funding

Value: 4.64%

Peer Median: 21.29%

#846 of 884 Bottom 4.4% in $1B-$10B