BlastPoint's Banking Scorecard
Banco do Brasil Americas
Designations: ✓ Community bank
Miami, FL
4 branches across FL
Banco do Brasil Americas has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.21% above tier average
- + Efficiency Ratio 12.63% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 41.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.4B
+11.8% YoY
+5.9% QoQ
|
+$578.1M |
$2.8B
-0.1% YoY
|
$4.3B
+10.8% YoY
|
$6.2B
+9.1% YoY
|
76% |
| Total Loans ? |
$2.1B
+19.0% YoY
+5.3% QoQ
|
+$103.5M |
$2.0B
+0.6% YoY
|
$3.0B
+12.4% YoY
|
$3.2B
+10.8% YoY
|
69% |
| Total Deposits ? |
$3.0B
+10.6% YoY
+5.4% QoQ
|
+$652.5M |
$2.3B
-0.3% YoY
|
$3.6B
+11.7% YoY
|
$4.8B
+8.2% YoY
|
77% |
| Return on Assets ? |
1.57%
-0.4% YoY
-3.8% QoQ
|
+0.21% |
1.37%
+19.6% YoY
|
0.83%
+61.5% YoY
|
1.23%
+13.4% YoY
|
75% |
| Net Interest Margin ? |
3.83%
-0.2% YoY
-2.9% QoQ
|
+0.01% |
3.82%
+6.9% YoY
|
3.75%
+4.2% YoY
|
3.89%
+5.7% YoY
|
62% |
| Efficiency Ratio ? |
48.44%
+5.3% YoY
+3.3% QoQ
|
-12.63% |
61.06%
-4.6% YoY
|
71.93%
-25.2% YoY
|
66.95%
-4.1% YoY
|
82% |
| Delinquency Rate ? |
0.87%
+77.6% YoY
+12.4% QoQ
|
-0.02% |
0.89%
+14.1% YoY
|
0.63%
-5.7% YoY
|
0.95%
+18.8% YoY
|
32% |
| Loan-to-Deposit Ratio ? |
69.04%
+7.6% YoY
-0.1% QoQ
|
-15.16% |
84.20%
+0.3% YoY
|
73.79%
+1.2% YoY
|
76.70%
+0.9% YoY
|
84% |
| Non-Interest-Bearing Deposit Share ? |
31.54%
-19.8% YoY
-4.4% QoQ
|
+10.25% |
21.29%
-2.5% YoY
|
27.22%
-2.5% YoY
|
22.01%
-1.2% YoY
|
Top 13.2% in tier |
| Nonperforming Asset Ratio ? |
0.53%
+90.5% YoY
+10.9% QoQ
|
-0.14% |
0.67%
+15.6% YoY
|
0.43%
-5.1% YoY
|
0.67%
+19.3% YoY
|
42% |
| Tier 1 Capital Ratio ? |
23.20%
-4.0% YoY
-1.6% QoQ
|
+8.04% |
15.16%
+2.0% YoY
|
16.64%
-24.7% YoY
|
17.06%
+0.8% YoY
|
Top 5.2% in tier |
| Non-Interest Income / Assets ? |
0.13%
+18.6% YoY
-73.1% QoQ
|
-0.13% |
0.26%
+1.6% YoY
|
0.50%
+7.6% YoY
|
0.32%
+4.1% YoY
|
44% |
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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 (0)
Concerns (1)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.