BlastPoint's Banking Scorecard

Florida Capital Bank, National Association

$100M-$1B Specialty: Commercial FL FDIC cert 26323

Jacksonville, FL

5 branches across FL

2664 banks in the $100M-$1B peer group nationally 43 in FL

Florida Capital Bank, National Association has 3 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

+ Revenue Diversifier: Top 38.0% in tier
+ Deposit Franchise: Top 48.5% in tier
+ Delinquency Rate 0.70% below tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 47.2% in tier
- Cost Spiral: Bottom 82.5% in tier

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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 ?	$713.8M +17.0% YoY +9.5% QoQ	+$327.8M	$386.1M +0.5% YoY	$4.3B +10.8% YoY	$6.2B +9.1% YoY	Top 12.0% in tier
Total Loans ?	$510.2M +6.9% YoY +3.4% QoQ	+$254.5M	$255.7M +1.1% YoY	$3.0B +12.4% YoY	$3.2B +10.8% YoY	Top 9.9% in tier
Total Deposits ?	$641.3M +18.0% YoY +10.3% QoQ	+$313.3M	$328.0M +0.1% YoY	$3.6B +11.7% YoY	$4.8B +8.2% YoY	Top 10.2% in tier
Return on Assets ?	1.14% -25.8% YoY +9.8% QoQ	-0.13%	1.27% +12.9% YoY	0.83% +61.5% YoY	1.23% +13.4% YoY	46%
Net Interest Margin ?	4.45% +7.4% YoY +13.7% QoQ	+0.52%	3.93% +6.0% YoY	3.75% +4.2% YoY	3.89% +5.7% YoY	80%
Efficiency Ratio ?	71.30% +12.3% YoY -2.1% QoQ	+6.01%	65.29% -4.5% YoY	71.93% -25.2% YoY	66.95% -4.1% YoY	30%
Delinquency Rate ?	0.18% -62.3% YoY -4.9% QoQ	-0.70%	0.89% +18.8% YoY	0.63% -5.7% YoY	0.95% +18.8% YoY	66%
Loan-to-Deposit Ratio ?	79.56% -9.4% YoY -6.3% QoQ	+2.93%	76.64% +0.8% YoY	73.79% +1.2% YoY	76.70% +0.9% YoY	47%
Non-Interest-Bearing Deposit Share ?	58.24% -0.7% YoY +25.5% QoQ	+36.22%	22.02% -1.0% YoY	27.22% -2.5% YoY	22.01% -1.2% YoY	Top 0.8% in tier
Nonperforming Asset Ratio ?	0.13% -65.6% YoY -10.2% QoQ	-0.51%	0.64% +19.7% YoY	0.43% -5.1% YoY	0.67% +19.3% YoY	66%
Tier 1 Capital Ratio ?	15.15% +2.6% YoY -0.1% QoQ	-0.68%	15.83% +1.5% YoY	16.64% -24.7% YoY	17.06% +0.8% YoY	67%
Non-Interest Income / Assets ?	0.31% -34.5% YoY -78.8% QoQ	+0.03%	0.28% +9.3% YoY	0.50% +7.6% YoY	0.32% +4.1% YoY	Top 6.5% in tier

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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 (2)

Revenue Diversifier

growth

#254 of 666 • Top 38.0% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.31%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: 1.14%

(Tier: 1.27%, National: 1.23%)

but worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Deposit Franchise

growth

#133 of 272 • Top 48.5% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 58.24%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 4.45%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ

Concerns (2)

Margin Compression

decline

#145 of 305 • Bottom 47.2% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.14%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

305 of 305 Community banks match · 407 nationally

↑ Growing +94 banks QoQ

Cost Spiral

risk

#105 of 126 • Bottom 82.5% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature

Efficiency Ratio: 71.30%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

126 of 126 Community banks match · 176 nationally

↑ Growing +82 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 2664 peers in $100M-$1B

Top Strengths (6 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 58.24%

Peer Median: 22.02%

#21 of 2664 Top 0.8% in $100M-$1B

173

Non-Interest Income / Assets

revenue_mix

Value: 0.31%

Peer Median: 0.28%

#173 of 2664 Top 6.5% in $100M-$1B

265

Total Loans

size

Value: $510.22M

Peer Median: $255.72M

#265 of 2664 Top 9.9% in $100M-$1B

272

Total Deposits

size

Value: $641.27M

Peer Median: $327.97M

#272 of 2664 Top 10.2% in $100M-$1B

320

Total Assets

size

Value: $713.84M

Peer Median: $386.08M

#320 of 2664 Top 12.0% in $100M-$1B

525

Net Interest Margin

profitability

Value: 4.45%

Peer Median: 3.93%

#525 of 2664 Top 19.7% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available