BlastPoint's Banking Scorecard

Surety Bank

$100M-$1B Specialty: Commercial FL FDIC cert 33026

Deland, FL

2 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 44 in FL.
Deposits -1.8% year over year ($189.6M on the books).
Delinquency rate 0.22%.
Return on assets 2.06%.
Efficiency ratio 61.41% vs a 64.48% peer average.
Loan-to-deposit ratio 53.46% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 44 in FL

View $100M-$1B leaderboard (FL) →

Surety Bank has 5 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

+ Revenue Diversifier: Top 6.5% in tier
+ Non-Interest-Bearing Deposit Share 13.15% above tier average
+ ROA 0.74% above tier average
+ Efficiency Ratio 3.07% below tier average
+ Delinquency Rate 0.69% below tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 8.2% in tier
- Net Interest Margin 0.39% below tier average

Get updates when Surety Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Total Assets ?	$213.7M +0.5% YoY -4.1% QoQ	-$172.9M	$386.6M +1.2% YoY	$4.3B +7.0% YoY	$6.3B +7.7% YoY	30%
Total Loans ?	$101.3M +20.1% YoY +3.8% QoQ	-$157.0M	$258.3M +1.7% YoY	$3.0B +8.2% YoY	$3.2B +9.4% YoY	19%
Total Deposits ?	$189.6M -1.8% YoY -5.4% QoQ	-$137.2M	$326.7M +0.7% YoY	$3.5B +7.0% YoY	$4.9B +7.3% YoY	31%
Return on Assets ?	2.06% -5.9% YoY +22.9% QoQ	+0.74%	1.32% +10.8% YoY	0.62% -8.3% YoY	1.30% +12.1% YoY	Top 11.8% in tier
Net Interest Margin ?	3.60% +4.8% YoY +3.0% QoQ	-0.39%	3.99% +5.0% YoY	3.70% +0.5% YoY	3.95% +4.9% YoY	32%
Efficiency Ratio ?	61.41% -1.8% YoY -9.2% QoQ	-3.07%	64.48% -3.2% YoY	199.20% +161.3% YoY	70.05% +2.5% YoY	53%
Delinquency Rate ?	0.22% -35.7% YoY -10.0% QoQ	-0.69%	0.92% +15.7% YoY	0.61% -2.0% YoY	0.98% +16.3% YoY	64%
Loan-to-Deposit Ratio ?	53.46% +22.3% YoY +9.7% QoQ	-24.49%	77.95% +1.0% YoY	72.91% -1.7% YoY	79.03% +2.3% YoY	Top 11.2% in tier
Non-Interest-Bearing Deposit Share ?	35.18% -19.6% YoY +2.5% QoQ	+13.15%	22.03% -0.6% YoY	27.35% -2.5% YoY	21.98% -0.6% YoY	Top 9.5% in tier
Nonperforming Asset Ratio ?	0.11% -23.2% YoY -2.6% QoQ	-0.56%	0.67% +16.4% YoY	0.42% -2.6% YoY	0.69% +15.8% YoY	70%
Tier 1 Capital Ratio ?	23.84% -6.2% YoY +0.8% QoQ	+7.93%	15.91% +1.4% YoY	19.50% +8.2% YoY	17.09% +0.8% YoY	Top 8.0% in tier
Non-Interest Income / Assets ?	1.61% -4.9% YoY +122.5% QoQ	+1.04%	0.57% +7.6% YoY	1.02% +6.4% YoY	0.66% +5.2% YoY	Top 2.2% in tier

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	35.2% -8.5pp YoY +0.9pp QoQ	+13.0pp	22.1%	27.7%	22.2%	90%
Brokered Deposits	5.3% +2.7pp YoY -2.2pp QoQ	-2.5pp	7.9%	8.7%	8.5%	54%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
C&I	12.1% -6.3pp YoY +0.1pp QoQ	+0.6pp	11.6%	12.9%	12.5%	64%
CRE	n/a	n/a	39.5%	50.6%	41.4%	n/a
1-4 Family	5.9% -2.2pp YoY -0.5pp QoQ	-26.7pp	32.6%	30.7%	31.3%	6%
Consumer	0.2% -0.1pp YoY 0.0pp QoQ	-3.9pp	4.1%	3.7%	5.0%	8%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
CET1 Ratio	23.8% -1.6pp YoY +0.2pp QoQ	+5.0pp	18.8%	19.8%	19.7%	87%
Leverage Ratio	13.2% -0.1pp YoY +0.3pp QoQ	+1.1pp	12.2%	13.9%	12.6%	77%
Total Capital Ratio	24.9% -1.5pp YoY +0.3pp QoQ	+5.0pp	19.9%	21.1%	20.8%	87%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Full-Time Employees	37 0 YoY 0 QoQ	-22	58	295	482	37%
Assets per Employee ($)	$5.8M +0.5% YoY -4.1% QoQ	-$1.7M	$7.5M	$10.3M	$8.8M	29%
Branch Count	2 -1 (-33.3%) YoY 0 QoQ	-3	4	13	18	11%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.3%	0.4%	n/a
Nonaccrual	0.2% -0.1pp YoY 0.0pp QoQ	-0.7pp	0.9%	0.7%	1.0%	32%
Allowance Coverage	5.77x +52.6% YoY +19.0% QoQ	-18.39x	24.15x	16.62x	20.23x	73%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.1%	0.2%	0.2%	20%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
ROE	19.0% -4.3pp YoY +3.3pp QoQ	+6.8pp	12.2%	9.3%	11.6%	85%
Cost of Funds (YTD)	2.3% +0.4pp YoY 0.0pp QoQ	+0.6pp	1.7%	1.8%	1.7%	85%
Net Income ($, YTD)	$2.2M -4.3% YoY — QoQ	-$393K	$2.6M	$25.2M	$40.4M	55%

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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 (1)

Revenue Diversifier

growth

#44 of 661 • Top 6.5% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 1.61%

(Tier: 0.57%, National: 0.66%)

better than tier avg

Return on Assets: 2.06%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Concerns (1)

Deposit Outflow

decline

#45 of 535 • Bottom 8.2% in tier

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

535 of 535 Community banks match · 686 nationally

→ Stable +31 banks QoQ

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 2643 peers in $100M-$1B

Top Strengths (5 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 1.61%

Peer Median: 0.57%

#58 of 2643 Top 2.2% in $100M-$1B

213

Tier 1 Capital Ratio

capital

Value: 23.84%

Peer Median: 15.91%

#213 of 2643 Top 8.0% in $100M-$1B

253

Non-Interest-Bearing Deposit Share

funding

Value: 35.18%

Peer Median: 22.03%

#253 of 2643 Top 9.5% in $100M-$1B

296

Loan-to-Deposit Ratio

liquidity

Value: 53.46%

Peer Median: 77.95%

#296 of 2643 Top 11.2% in $100M-$1B

313

Return on Assets

profitability

Value: 2.06%

Peer Median: 1.32%

#313 of 2643 Top 11.8% in $100M-$1B

Top Weaknesses (1 metrics)

2132

Total Loans

size

Value: $101.34M

Peer Median: $258.35M

#2132 of 2643 Bottom 19.4% in $100M-$1B