BlastPoint's Banking Scorecard

Terrabank, National Association

$100M-$1B Specialty: Commercial FL FDIC cert 26442

Coral Gables, 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 +7.4% year over year ($791.4M on the books).
Delinquency rate 0.11%.
Return on assets 0.71%.
Efficiency ratio 73.44% vs a 64.48% peer average.
Loan-to-deposit ratio 75.44% 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) →

Terrabank, National Association has 2 strengths but faces 4 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 37.93% above tier average
+ Delinquency Rate 0.81% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 14.2% in tier
- ROA 0.61% below tier average
- Net Interest Margin 0.39% below tier average
- Efficiency Ratio 8.97% above tier average

Get updates when Terrabank, 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 ?	$897.7M +10.6% YoY +3.3% QoQ	+$511.2M	$386.6M +1.2% YoY	$4.3B +7.0% YoY	$6.3B +7.7% YoY	Top 3.7% in tier
Total Loans ?	$597.0M +16.1% YoY +5.9% QoQ	+$338.7M	$258.3M +1.7% YoY	$3.0B +8.2% YoY	$3.2B +9.4% YoY	Top 6.2% in tier
Total Deposits ?	$791.4M +7.4% YoY +3.8% QoQ	+$464.7M	$326.7M +0.7% YoY	$3.5B +7.0% YoY	$4.9B +7.3% YoY	Top 2.6% in tier
Return on Assets ?	0.71% -12.1% YoY +6.0% QoQ	-0.61%	1.32% +10.8% YoY	0.62% -8.3% YoY	1.30% +12.1% YoY	19%
Net Interest Margin ?	3.60% +7.2% YoY +2.2% QoQ	-0.39%	3.99% +5.0% YoY	3.70% +0.5% YoY	3.95% +4.9% YoY	32%
Efficiency Ratio ?	73.44% +4.6% YoY -0.7% QoQ	+8.97%	64.48% -3.2% YoY	199.20% +161.3% YoY	70.05% +2.5% YoY	23%
Delinquency Rate ?	0.11% +206.6% YoY +236.3% QoQ	-0.81%	0.92% +15.7% YoY	0.61% -2.0% YoY	0.98% +16.3% YoY	73%
Loan-to-Deposit Ratio ?	75.44% +8.2% YoY +2.0% QoQ	-2.51%	77.95% +1.0% YoY	72.91% -1.7% YoY	79.03% +2.3% YoY	59%
Non-Interest-Bearing Deposit Share ?	59.96% +4.0% YoY +1.0% QoQ	+37.93%	22.03% -0.6% YoY	27.35% -2.5% YoY	21.98% -0.6% YoY	Top 0.6% in tier
Nonperforming Asset Ratio ?	0.07% +221.9% YoY +244.8% QoQ	-0.60%	0.67% +16.4% YoY	0.42% -2.6% YoY	0.69% +15.8% YoY	75%
Tier 1 Capital Ratio ?	14.78% -6.6% YoY -3.7% QoQ	-1.13%	15.91% +1.4% YoY	19.50% +8.2% YoY	17.09% +0.8% YoY	64%
Non-Interest Income / Assets ?	0.37% -6.6% YoY +84.6% QoQ	-0.20%	0.57% +7.6% YoY	1.02% +6.4% YoY	0.66% +5.2% YoY	82%

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	60.0% +2.3pp YoY +0.6pp QoQ	+37.8pp	22.1%	27.7%	22.2%	99%
Brokered Deposits	4.6% +0.3pp YoY +1.0pp QoQ	-3.2pp	7.9%	8.7%	8.5%	50%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
C&I	3.1% -0.4pp YoY -2.0pp QoQ	-8.5pp	11.6%	12.9%	12.5%	10%
CRE	64.5% +4.7pp YoY +3.9pp QoQ	+25.0pp	39.5%	50.6%	41.4%	89%
1-4 Family	33.5% -4.3pp YoY -1.9pp QoQ	+0.9pp	32.6%	30.7%	31.3%	59%
Consumer	0.3% 0.0pp YoY 0.0pp QoQ	-3.8pp	4.1%	3.7%	5.0%	11%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
CET1 Ratio	10.4% -0.4pp YoY -0.3pp QoQ	-8.4pp	18.8%	19.8%	19.7%	4%
Leverage Ratio	9.8% +0.1pp YoY 0.0pp QoQ	-2.3pp	12.2%	13.9%	12.6%	27%
Total Capital Ratio	16.0% -1.2pp YoY -0.6pp QoQ	-3.9pp	19.9%	21.1%	20.8%	48%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Full-Time Employees	128 +9 (+7.6%) YoY +5 (+4.1%) QoQ	+69	58	295	482	94%
Assets per Employee ($)	$7.0M +2.8% YoY -0.8% QoQ	-$505K	$7.5M	$10.3M	$8.8M	52%
Branch Count	5 +1 (+25.0%) YoY +1 (+25.0%) 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	0.1% +0.1pp YoY +0.1pp QoQ	-0.8pp	0.9%	0.7%	1.0%	20%
Allowance Coverage	12.65x -67.9% YoY -70.8% QoQ	-11.50x	24.15x	16.62x	20.23x	84%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.2%	0.2%	38%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
ROE	8.1% -2.2pp YoY +0.5pp QoQ	-4.1pp	12.2%	9.3%	11.6%	26%
Cost of Funds (YTD)	1.0% -0.1pp YoY 0.0pp QoQ	-0.8pp	1.7%	1.8%	1.7%	9%
Net Income ($, YTD)	$3.1M -4.9% YoY — QoQ	+$561K	$2.6M	$25.2M	$40.4M	71%

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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)

Credit Quality Pressure

risk

#179 of 1256 • Bottom 14.2% in tier

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

Why this signature

Delinquency Rate: 0.11%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 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 2643 peers in $100M-$1B

Top Strengths (6 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 59.96%

Peer Median: 22.03%

#18 of 2643 Top 0.6% in $100M-$1B

Total Deposits

size

Value: $791.39M

Peer Median: $326.73M

#69 of 2643 Top 2.6% in $100M-$1B

Total Assets

size

Value: $897.72M

Peer Median: $386.57M

#99 of 2643 Top 3.7% in $100M-$1B

164

Total Loans

size

Value: $597.02M

Peer Median: $258.35M

#164 of 2643 Top 6.2% in $100M-$1B

477

Non-Interest Income / Assets

revenue_mix

Value: 0.37%

Peer Median: 0.57%

#477 of 2643 Top 18.0% in $100M-$1B

651

Nonperforming Asset Ratio

credit_quality

Value: 0.07%

Peer Median: 0.67%

#651 of 2643 Top 24.6% in $100M-$1B

Top Weaknesses (2 metrics)

2129

Return on Assets

profitability

Value: 0.71%

Peer Median: 1.32%

#2129 of 2643 Bottom 19.5% in $100M-$1B

2041

Efficiency Ratio

profitability

Value: 73.44%

Peer Median: 64.48%

#2041 of 2643 Bottom 22.8% in $100M-$1B