BlastPoint's Banking Scorecard

Terrabank, National Association

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

Coral Gables, FL

5 branches across FL

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

Terrabank, National Association has 2 strengths but faces 3 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 37.33% above tier average
+ Delinquency Rate 0.86% below tier average

Key Concerns

Areas that may need attention

- ROA 0.60% below tier average
- Net Interest Margin 0.41% below tier average
- Efficiency Ratio 8.68% above 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 ?	$869.3M +5.9% YoY +1.9% QoQ	+$483.3M	$386.1M +0.5% YoY	$4.3B +10.8% YoY	$6.2B +9.1% YoY	Top 5.0% in tier
Total Loans ?	$564.0M +11.4% YoY +0.8% QoQ	+$308.2M	$255.7M +1.1% YoY	$3.0B +12.4% YoY	$3.2B +10.8% YoY	Top 7.4% in tier
Total Deposits ?	$762.5M +1.6% YoY -1.1% QoQ	+$434.5M	$328.0M +0.1% YoY	$3.6B +11.7% YoY	$4.8B +8.2% YoY	Top 4.1% in tier
Return on Assets ?	0.67% -15.5% YoY -28.1% QoQ	-0.60%	1.27% +12.9% YoY	0.83% +61.5% YoY	1.23% +13.4% YoY	20%
Net Interest Margin ?	3.52% +6.5% YoY +1.7% QoQ	-0.41%	3.93% +6.0% YoY	3.75% +4.2% YoY	3.89% +5.7% YoY	32%
Efficiency Ratio ?	73.96% +3.4% YoY +9.4% QoQ	+8.68%	65.29% -4.5% YoY	71.93% -25.2% YoY	66.95% -4.1% YoY	24%
Delinquency Rate ?	0.03% -66.2% YoY -5.0% QoQ	-0.86%	0.89% +18.8% YoY	0.63% -5.7% YoY	0.95% +18.8% YoY	82%
Loan-to-Deposit Ratio ?	73.96% +9.6% YoY +2.0% QoQ	-2.68%	76.64% +0.8% YoY	73.79% +1.2% YoY	76.70% +0.9% YoY	59%
Non-Interest-Bearing Deposit Share ?	59.35% +4.1% YoY -2.4% QoQ	+37.33%	22.02% -1.0% YoY	27.22% -2.5% YoY	22.01% -1.2% YoY	Top 0.6% in tier
Nonperforming Asset Ratio ?	0.02% -64.5% YoY -6.0% QoQ	-0.62%	0.64% +19.7% YoY	0.43% -5.1% YoY	0.67% +19.3% YoY	83%
Tier 1 Capital Ratio ?	15.35% -4.1% YoY -2.2% QoQ	-0.48%	15.83% +1.5% YoY	16.64% -24.7% YoY	17.06% +0.8% YoY	68%
Non-Interest Income / Assets ?	0.20% +4.4% YoY -73.8% QoQ	-0.08%	0.28% +9.3% YoY	0.50% +7.6% YoY	0.32% +4.1% YoY	Top 14.2% 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 (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

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 (7 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 59.35%

Peer Median: 22.02%

#17 of 2664 Top 0.6% in $100M-$1B

109

Total Deposits

size

Value: $762.51M

Peer Median: $327.97M

#109 of 2664 Top 4.1% in $100M-$1B

134

Total Assets

size

Value: $869.33M

Peer Median: $386.08M

#134 of 2664 Top 5.0% in $100M-$1B

199

Total Loans

size

Value: $563.95M

Peer Median: $255.72M

#199 of 2664 Top 7.4% in $100M-$1B

379

Non-Interest Income / Assets

revenue_mix

Value: 0.20%

Peer Median: 0.28%

#379 of 2664 Top 14.2% in $100M-$1B

451

Nonperforming Asset Ratio

credit_quality

Value: 0.02%

Peer Median: 0.64%

#451 of 2664 Top 16.9% in $100M-$1B

476

Delinquency Rate

credit_quality

Value: 0.03%

Peer Median: 0.89%

#476 of 2654 Top 17.9% in $100M-$1B

Top Weaknesses (2 metrics)

2137

Return on Assets

profitability

Value: 0.67%

Peer Median: 1.27%

#2137 of 2664 Bottom 19.8% in $100M-$1B

2019

Efficiency Ratio

profitability

Value: 73.96%

Peer Median: 65.29%

#2019 of 2664 Bottom 24.2% in $100M-$1B