BlastPoint's Banking Scorecard

Florida Capital Bank, National Association

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

Jacksonville, FL

5 branches across 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 44 in FL.
Deposits +9.2% year over year ($639.8M on the books).
Delinquency rate 0.16%.
Return on assets 0.98%.
Efficiency ratio 74.39% vs a 64.48% peer average.
Loan-to-deposit ratio 83.53% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 44 in FL

View $100M-$1B leaderboard (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

+ Non-Interest-Bearing Deposit Share 31.29% above tier average
+ Net Interest Margin 0.24% above tier average
+ Delinquency Rate 0.76% below tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 26.1% in tier
- Efficiency Ratio 9.91% above tier average

Get updates when Florida Capital Bank, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Total Assets ?	$713.1M +8.8% YoY -0.1% QoQ	+$326.6M	$386.6M +1.2% YoY	$4.3B +7.0% YoY	$6.3B +7.7% YoY	Top 12.1% in tier
Total Loans ?	$534.5M +5.7% YoY +4.8% QoQ	+$276.1M	$258.3M +1.7% YoY	$3.0B +8.2% YoY	$3.2B +9.4% YoY	Top 8.9% in tier
Total Deposits ?	$639.8M +9.2% YoY -0.2% QoQ	+$313.1M	$326.7M +0.7% YoY	$3.5B +7.0% YoY	$4.9B +7.3% YoY	Top 10.0% in tier
Return on Assets ?	0.98% -22.8% YoY -14.5% QoQ	-0.35%	1.32% +10.8% YoY	0.62% -8.3% YoY	1.30% +12.1% YoY	32%
Net Interest Margin ?	4.22% +3.7% YoY -5.2% QoQ	+0.24%	3.99% +5.0% YoY	3.70% +0.5% YoY	3.95% +4.9% YoY	66%
Efficiency Ratio ?	74.39% +10.2% YoY +4.3% QoQ	+9.91%	64.48% -3.2% YoY	199.20% +161.3% YoY	70.05% +2.5% YoY	21%
Delinquency Rate ?	0.16% -57.1% YoY -10.9% QoQ	-0.76%	0.92% +15.7% YoY	0.61% -2.0% YoY	0.98% +16.3% YoY	68%
Loan-to-Deposit Ratio ?	83.53% -3.2% YoY +5.0% QoQ	+5.58%	77.95% +1.0% YoY	72.91% -1.7% YoY	79.03% +2.3% YoY	42%
Non-Interest-Bearing Deposit Share ?	53.32% -11.1% YoY -8.5% QoQ	+31.29%	22.03% -0.6% YoY	27.35% -2.5% YoY	21.98% -0.6% YoY	Top 1.2% in tier
Nonperforming Asset Ratio ?	0.12% -58.3% YoY -6.5% QoQ	-0.55%	0.67% +16.4% YoY	0.42% -2.6% YoY	0.69% +15.8% YoY	68%
Tier 1 Capital Ratio ?	15.04% +5.1% YoY -0.7% QoQ	-0.87%	15.91% +1.4% YoY	19.50% +8.2% YoY	17.09% +0.8% YoY	66%
Non-Interest Income / Assets ?	0.56% -20.9% YoY +84.5% QoQ	+0.00%	0.57% +7.6% YoY	1.02% +6.4% YoY	0.66% +5.2% YoY	Top 7.6% in tier

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	53.3% -6.7pp YoY -4.9pp QoQ	+31.2pp	22.1%	27.7%	22.2%	99%
Brokered Deposits	0.3% 0.0pp YoY 0.0pp QoQ	-7.5pp	7.9%	8.7%	8.5%	10%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
C&I	5.5% -1.9pp YoY +0.1pp QoQ	-6.1pp	11.6%	12.9%	12.5%	23%
CRE	45.7% +1.6pp YoY -0.6pp QoQ	+6.1pp	39.5%	50.6%	41.4%	63%
1-4 Family	42.4% +1.3pp YoY +1.5pp QoQ	+9.7pp	32.6%	30.7%	31.3%	74%
Consumer	n/a	n/a	4.1%	3.7%	5.0%	n/a

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
CET1 Ratio	15.0% +0.7pp YoY -0.1pp QoQ	-3.8pp	18.8%	19.8%	19.7%	49%
Leverage Ratio	9.8% +0.1pp YoY +1.2pp QoQ	-2.4pp	12.2%	13.9%	12.6%	26%
Total Capital Ratio	16.3% +0.7pp YoY -0.1pp QoQ	-3.6pp	19.9%	21.1%	20.8%	51%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Full-Time Employees	118 +4 (+3.5%) YoY 0 QoQ	+59	58	295	482	92%
Assets per Employee ($)	$6.0M +5.2% YoY -0.1% QoQ	-$1.5M	$7.5M	$10.3M	$8.8M	34%
Branch Count	5 0 YoY 0 QoQ	0	4	13	18	55%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.3%	0.4%	n/a
Nonaccrual	0.2% -0.2pp YoY 0.0pp QoQ	-0.8pp	0.9%	0.7%	1.0%	26%
Allowance Coverage	7.37x +131.2% YoY +7.2% QoQ	-16.78x	24.15x	16.62x	20.23x	78%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.1%	0.2%	0.2%	20%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
ROE	9.9% -3.1pp YoY -1.6pp QoQ	-2.3pp	12.2%	9.3%	11.6%	36%
Cost of Funds (YTD)	1.4% -0.2pp YoY 0.0pp QoQ	-0.3pp	1.7%	1.8%	1.7%	31%
Net Income ($, YTD)	$3.4M -16.0% YoY — QoQ	+$826K	$2.6M	$25.2M	$40.4M	74%

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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 (0)

No matched strength signatures this quarter

Concerns (1)

Margin Compression

decline

#81 of 307 • Bottom 26.1% 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: 0.98%

(Tier: 1.32%, National: 1.30%)

worse than tier avg

307 of 307 Community banks match · 413 nationally

→ Stable +8 banks QoQ | QoQ rank improving

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 2643 peers in $100M-$1B

Top Strengths (5 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 53.32%

Peer Median: 22.03%

#32 of 2643 Top 1.2% in $100M-$1B

203

Non-Interest Income / Assets

revenue_mix

Value: 0.56%

Peer Median: 0.57%

#203 of 2643 Top 7.6% in $100M-$1B

235

Total Loans

size

Value: $534.46M

Peer Median: $258.35M

#235 of 2643 Top 8.9% in $100M-$1B

266

Total Deposits

size

Value: $639.83M

Peer Median: $326.73M

#266 of 2643 Top 10.0% in $100M-$1B

320

Total Assets

size

Value: $713.14M

Peer Median: $386.57M

#320 of 2643 Top 12.1% in $100M-$1B

Top Weaknesses (1 metrics)

2080

Efficiency Ratio

profitability

Value: 74.39%

Peer Median: 64.48%

#2080 of 2643 Bottom 21.3% in $100M-$1B