BlastPoint's Banking Scorecard
Surety Bank
Deland, FL
3 branches across FL
Surety Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 8.1% in tier
- + ROA 0.41% above tier average
- + Delinquency Rate 0.64% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 55.1% in tier
- - Net Interest Margin 0.43% below tier average
- - Efficiency Ratio 2.32% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$222.9M
+4.6% YoY
+15.7% QoQ
|
-$163.2M |
$386.1M
+0.5% YoY
|
$4.3B
+10.8% YoY
|
$6.2B
+9.1% YoY
|
31% |
| Total Loans ? |
$97.7M
+42.9% YoY
+10.4% QoQ
|
-$158.0M |
$255.7M
+1.1% YoY
|
$3.0B
+12.4% YoY
|
$3.2B
+10.8% YoY
|
19% |
| Total Deposits ? |
$200.4M
+3.6% YoY
+20.8% QoQ
|
-$127.6M |
$328.0M
+0.1% YoY
|
$3.6B
+11.7% YoY
|
$4.8B
+8.2% YoY
|
34% |
| Return on Assets ? |
1.68%
-15.8% YoY
-30.9% QoQ
|
+0.41% |
1.27%
+12.9% YoY
|
0.83%
+61.5% YoY
|
1.23%
+13.4% YoY
|
77% |
| Net Interest Margin ? |
3.50%
+4.9% YoY
-0.7% QoQ
|
-0.43% |
3.93%
+6.0% YoY
|
3.75%
+4.2% YoY
|
3.89%
+5.7% YoY
|
30% |
| Efficiency Ratio ? |
67.60%
+4.4% YoY
+11.7% QoQ
|
+2.32% |
65.29%
-4.5% YoY
|
71.93%
-25.2% YoY
|
66.95%
-4.1% YoY
|
38% |
| Delinquency Rate ? |
0.25%
-45.3% YoY
-15.3% QoQ
|
-0.64% |
0.89%
+18.8% YoY
|
0.63%
-5.7% YoY
|
0.95%
+18.8% YoY
|
61% |
| Loan-to-Deposit Ratio ? |
48.74%
+38.0% YoY
-8.6% QoQ
|
-27.90% |
76.64%
+0.8% YoY
|
73.79%
+1.2% YoY
|
76.70%
+0.9% YoY
|
Top 8.4% in tier |
| Non-Interest-Bearing Deposit Share ? |
34.31%
-26.5% YoY
-7.2% QoQ
|
+12.29% |
22.02%
-1.0% YoY
|
27.22%
-2.5% YoY
|
22.01%
-1.2% YoY
|
Top 10.8% in tier |
| Nonperforming Asset Ratio ? |
0.11%
-25.3% YoY
-19.2% QoQ
|
-0.53% |
0.64%
+19.7% YoY
|
0.43%
-5.1% YoY
|
0.67%
+19.3% YoY
|
69% |
| Tier 1 Capital Ratio ? |
23.65%
-8.8% YoY
-7.1% QoQ
|
+7.82% |
15.83%
+1.5% YoY
|
16.64%
-24.7% YoY
|
17.06%
+0.8% YoY
|
Top 7.8% in tier |
| Non-Interest Income / Assets ? |
0.72%
-11.1% YoY
-81.6% QoQ
|
+0.44% |
0.28%
+9.3% YoY
|
0.50%
+7.6% YoY
|
0.32%
+4.1% YoY
|
Top 2.3% in tier |
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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 (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (1)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.