BlastPoint's Banking Scorecard

First National Bank of Pasco

$100M-$1B Specialty: Commercial FL FDIC cert 26829

Dade City, FL

4 branches across FL

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

First National Bank of Pasco has 2 strengths but faces 6 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 18.49% above tier average
+ Delinquency Rate 0.52% below tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 1.0% in tier
- Capital Thin: Bottom 1.7% in tier
- Credit Quality Pressure: Bottom 40.0% in tier
- Return on Assets 0.90% below tier average
- Efficiency Ratio 23.38% above tier average
- Net Interest Margin 0.11% below 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 ?	$286.3M -10.2% YoY -0.3% QoQ	-$99.8M	$386.1M +0.5% YoY	$4.3B +10.8% YoY	$6.2B +9.1% YoY	43%
Total Loans ?	$178.1M -6.5% YoY -2.7% QoQ	-$77.6M	$255.7M +1.1% YoY	$3.0B +12.4% YoY	$3.2B +10.8% YoY	44%
Total Deposits ?	$240.6M -11.7% YoY -0.3% QoQ	-$87.4M	$328.0M +0.1% YoY	$3.6B +11.7% YoY	$4.8B +8.2% YoY	43%
Return on Assets ?	0.37% +154.7% YoY +339.1% QoQ	-0.90%	1.27% +12.9% YoY	0.83% +61.5% YoY	1.23% +13.4% YoY	Bottom 9.8% in tier
Net Interest Margin ?	3.82% +9.4% YoY +5.3% QoQ	-0.11%	3.93% +6.0% YoY	3.75% +4.2% YoY	3.89% +5.7% YoY	48%
Efficiency Ratio ?	88.66% -7.8% YoY -8.3% QoQ	+23.38%	65.29% -4.5% YoY	71.93% -25.2% YoY	66.95% -4.1% YoY	Bottom 7.5% in tier
Delinquency Rate ?	0.37% +385.3% YoY +2.9% QoQ	-0.52%	0.89% +18.8% YoY	0.63% -5.7% YoY	0.95% +18.8% YoY	53%
Loan-to-Deposit Ratio ?	74.04% +5.8% YoY -2.3% QoQ	-2.60%	76.64% +0.8% YoY	73.79% +1.2% YoY	76.70% +0.9% YoY	59%
Non-Interest-Bearing Deposit Share ?	40.51% -9.9% YoY +2.0% QoQ	+18.49%	22.02% -1.0% YoY	27.22% -2.5% YoY	22.01% -1.2% YoY	Top 4.4% in tier
Nonperforming Asset Ratio ?	0.23% +405.2% YoY +0.5% QoQ	-0.41%	0.64% +19.7% YoY	0.43% -5.1% YoY	0.67% +19.3% YoY	57%
Tier 1 Capital Ratio ?	10.04% +9.3% YoY +4.2% QoQ	-5.79%	15.83% +1.5% YoY	16.64% -24.7% YoY	17.06% +0.8% YoY	Bottom 10.2% in tier
Non-Interest Income / Assets ?	0.14% -28.9% YoY -80.8% QoQ	-0.14%	0.28% +9.3% YoY	0.50% +7.6% YoY	0.32% +4.1% YoY	69%

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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 (3)

Deposit Outflow

decline

#6 of 506 • Bottom 1.0% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 banks QoQ | QoQ rank improving

Capital Thin

risk

#12 of 666 • Bottom 1.7% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.04%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Credit Quality Pressure

risk

#524 of 1308 • Bottom 40.0% in tier

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

Why this signature

Delinquency Rate: 0.37%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 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 2664 peers in $100M-$1B

Top Strengths (1 metrics)

117

Non-Interest-Bearing Deposit Share

funding

Value: 40.51%

Peer Median: 22.02%

#117 of 2664 Top 4.4% in $100M-$1B

Top Weaknesses (3 metrics)

2465

Efficiency Ratio

profitability

Value: 88.66%

Peer Median: 65.29%

#2465 of 2664 Bottom 7.5% in $100M-$1B

2404

Return on Assets

profitability

Value: 0.37%

Peer Median: 1.27%

#2404 of 2664 Bottom 9.8% in $100M-$1B

2394

Tier 1 Capital Ratio

capital

Value: 10.04%

Peer Median: 15.83%

#2394 of 2664 Bottom 10.2% in $100M-$1B