BlastPoint's Banking Scorecard

Banco do Brasil Americas

$1B-$10B Specialty: Mortgage FL FDIC cert 26725

Designations: ✓ Community bank

Miami, FL

4 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 885 banks in the $1B-$10B peer group nationwide — 1 of 24 in FL.
Deposits +10.9% year over year ($3.1B on the books).
Delinquency rate 0.84%.
Return on assets 1.57%.
Efficiency ratio 49.94% vs a 59.73% peer average.
Loan-to-deposit ratio 69.92% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 24 in FL

View $1B-$10B leaderboard (FL) →

Banco do Brasil Americas has 2 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

+ ROA 0.18% above tier average
+ Efficiency Ratio 9.79% below tier average

Key Concerns

Areas that may need attention

- Cost Spiral: Bottom 16.1% in tier
- Liquidity Overhang: Bottom 42.4% in tier

Get updates when Banco do Brasil Americas releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Total Assets ?	$3.5B +11.2% YoY +2.3% QoQ	+$678.9M	$2.8B -0.6% YoY	$4.3B +7.0% YoY	$6.3B +7.7% YoY	76%
Total Loans ?	$2.2B +16.8% YoY +4.3% QoQ	+$194.6M	$2.0B -0.3% YoY	$3.0B +8.2% YoY	$3.2B +9.4% YoY	71%
Total Deposits ?	$3.1B +10.9% YoY +3.0% QoQ	+$767.3M	$2.3B -0.5% YoY	$3.5B +7.0% YoY	$4.9B +7.3% YoY	78%
Return on Assets ?	1.57% -4.1% YoY +0.1% QoQ	+0.18%	1.39% +17.0% YoY	0.62% -8.3% YoY	1.30% +12.1% YoY	72%
Net Interest Margin ?	3.83% -1.8% YoY +0.0% QoQ	-0.04%	3.87% +6.2% YoY	3.70% +0.5% YoY	3.95% +4.9% YoY	57%
Efficiency Ratio ?	49.94% +12.5% YoY +3.1% QoQ	-9.79%	59.73% -12.6% YoY	199.20% +161.3% YoY	70.05% +2.5% YoY	77%
Delinquency Rate ?	0.84% +123.4% YoY -3.2% QoQ	-0.03%	0.87% +11.7% YoY	0.61% -2.0% YoY	0.98% +16.3% YoY	34%
Loan-to-Deposit Ratio ?	69.92% +5.3% YoY +1.3% QoQ	-15.12%	85.04% -0.1% YoY	72.91% -1.7% YoY	79.03% +2.3% YoY	84%
Non-Interest-Bearing Deposit Share ?	29.75% -21.0% YoY -5.7% QoQ	+8.48%	21.27% -1.5% YoY	27.35% -2.5% YoY	21.98% -0.6% YoY	84%
Nonperforming Asset Ratio ?	0.54% +140.6% YoY +0.5% QoQ	-0.14%	0.67% +11.7% YoY	0.42% -2.6% YoY	0.69% +15.8% YoY	41%
Tier 1 Capital Ratio ?	23.30% -0.7% YoY +0.4% QoQ	+8.46%	14.84% -0.4% YoY	19.50% +8.2% YoY	17.09% +0.8% YoY	Top 5.0% in tier
Non-Interest Income / Assets ?	0.24% +7.9% YoY +83.0% QoQ	-0.29%	0.53% +2.5% YoY	1.02% +6.4% YoY	0.66% +5.2% YoY	38%

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	29.8% -7.9pp YoY -1.8pp QoQ	+8.4pp	21.4%	27.7%	22.2%	84%
Brokered Deposits	n/a	n/a	9.5%	8.7%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
C&I	3.2% 0.0pp YoY +0.1pp QoQ	-10.8pp	14.0%	12.9%	12.5%	10%
CRE	21.9% +3.2pp YoY +0.8pp QoQ	-28.1pp	50.0%	50.6%	41.4%	5%
1-4 Family	70.3% -4.3pp YoY -1.1pp QoQ	+43.9pp	26.4%	30.7%	31.3%	96%
Consumer	5.1% +1.2pp YoY +0.2pp QoQ	+0.4pp	4.7%	3.7%	5.0%	82%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
CET1 Ratio	23.3% -0.2pp YoY +0.1pp QoQ	+7.7pp	15.6%	19.8%	19.7%	94%
Leverage Ratio	10.9% +0.3pp YoY -0.1pp QoQ	-0.4pp	11.3%	13.9%	12.6%	58%
Total Capital Ratio	24.6% -0.2pp YoY +0.1pp QoQ	+7.9pp	16.7%	21.1%	20.8%	94%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Full-Time Employees	291 +23 (+8.6%) YoY +22 (+8.2%) QoQ	-23	313	295	482	64%
Assets per Employee ($)	$11.9M +2.4% YoY -5.4% QoQ	+$1.5M	$10.5M	$10.3M	$8.8M	77%
Branch Count	4 0 YoY 0 QoQ	-16	20	13	18	10%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.2%	0.3%	0.4%	11%
Nonaccrual	0.8% +0.5pp YoY 0.0pp QoQ	0.0pp	0.8%	0.7%	1.0%	68%
Allowance Coverage	1.58x -56.3% YoY +1.3% QoQ	-17.13x	18.71x	16.62x	20.23x	39%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.2%	0.2%	42%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
ROE	14.5% -1.4pp YoY +0.1pp QoQ	+1.9pp	12.6%	9.3%	11.6%	69%
Cost of Funds (YTD)	1.8% 0.0pp YoY 0.0pp QoQ	-0.1pp	1.9%	1.8%	1.7%	42%
Net Income ($, YTD)	$26.4M +7.4% YoY — QoQ	+$7.2M	$19.2M	$25.2M	$40.4M	79%

Get Full Access to Banco do Brasil Americas

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

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 (2)

Cost Spiral

risk

#6 of 31 • Bottom 16.1% 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: 49.94%

(Tier: 59.73%, National: 70.05%)

better than tier avg

31 of 31 Mid-Market banks match · 184 nationally

→ Stable +9 banks QoQ

Liquidity Overhang

risk

#74 of 172 • Bottom 42.4% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 23.30%

(Tier: 14.84%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 69.92%

(Tier: 85.04%, National: 79.03%)

better than tier avg

172 of 172 Mid-Market banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank declining

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 885 peers in $1B-$10B

Top Strengths (6 metrics)

Tier 1 Capital Ratio

capital

Value: 23.30%

Peer Median: 14.84%

#45 of 885 Top 5.0% in $1B-$10B

140

Loan-to-Deposit Ratio

liquidity

Value: 69.92%

Peer Median: 85.04%

#140 of 885 Top 15.7% in $1B-$10B

141

Non-Interest-Bearing Deposit Share

funding

Value: 29.75%

Peer Median: 21.27%

#141 of 885 Top 15.8% in $1B-$10B

193

Total Deposits

size

Value: $3.09B

Peer Median: $2.32B

#193 of 885 Top 21.7% in $1B-$10B

205

Efficiency Ratio

profitability

Value: 49.94%

Peer Median: 59.73%

#205 of 885 Top 23.1% in $1B-$10B

213

Total Assets

size

Value: $3.47B

Peer Median: $2.79B

#213 of 885 Top 24.0% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available