BlastPoint's Banking Scorecard

Desjardins Bank, National Association

$100M-$1B Specialty: Mortgage FL FDIC cert 33565

Hallandale, 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 +15.0% year over year ($292.9M on the books).
Delinquency rate 0.31%.
Return on assets 1.25%.
Efficiency ratio 67.43% vs a 64.48% peer average.
Loan-to-deposit ratio 91.35% 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) →

Desjardins Bank, National Association 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

+ Deposit Franchise: Top 50.0% in tier
+ Delinquency Rate 0.61% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 10.7% in tier
- Credit Risk Growth: Bottom 11.4% in tier
- Liquidity Overhang: Bottom 24.8% in tier
- Credit Quality Pressure: Bottom 37.7% in tier
- Cost Spiral: Bottom 46.4% in tier
- Margin Compression: Bottom 52.1% in tier

Get updates when Desjardins Bank, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Total Assets ?	$362.1M +8.0% YoY +6.3% QoQ	-$24.5M	$386.6M +1.2% YoY	$4.3B +7.0% YoY	$6.3B +7.7% YoY	56%
Total Loans ?	$267.6M +1.7% YoY +1.9% QoQ	+$9.2M	$258.3M +1.7% YoY	$3.0B +8.2% YoY	$3.2B +9.4% YoY	62%
Total Deposits ?	$292.9M +15.0% YoY +7.5% QoQ	-$33.8M	$326.7M +0.7% YoY	$3.5B +7.0% YoY	$4.9B +7.3% YoY	53%
Return on Assets ?	1.25% -16.0% YoY -9.9% QoQ	-0.08%	1.32% +10.8% YoY	0.62% -8.3% YoY	1.30% +12.1% YoY	50%
Net Interest Margin ?	4.47% +2.4% YoY -1.0% QoQ	+0.48%	3.99% +5.0% YoY	3.70% +0.5% YoY	3.95% +4.9% YoY	79%
Efficiency Ratio ?	67.43% +9.7% YoY +3.9% QoQ	+2.95%	64.48% -3.2% YoY	199.20% +161.3% YoY	70.05% +2.5% YoY	36%
Delinquency Rate ?	0.31% +587.7% YoY +563.9% QoQ	-0.61%	0.92% +15.7% YoY	0.61% -2.0% YoY	0.98% +16.3% YoY	57%
Loan-to-Deposit Ratio ?	91.35% -11.6% YoY -5.3% QoQ	+13.40%	77.95% +1.0% YoY	72.91% -1.7% YoY	79.03% +2.3% YoY	24%
Non-Interest-Bearing Deposit Share ?	75.21% -6.5% YoY -1.5% QoQ	+53.18%	22.03% -0.6% YoY	27.35% -2.5% YoY	21.98% -0.6% YoY	Top 0.3% in tier
Nonperforming Asset Ratio ?	0.23% +547.4% YoY +536.2% QoQ	-0.44%	0.67% +16.4% YoY	0.42% -2.6% YoY	0.69% +15.8% YoY	58%
Tier 1 Capital Ratio ?	19.31% +3.0% YoY -2.6% QoQ	+3.40%	15.91% +1.4% YoY	19.50% +8.2% YoY	17.09% +0.8% YoY	85%
Non-Interest Income / Assets ?	0.38% -16.7% YoY +73.9% QoQ	-0.18%	0.57% +7.6% YoY	1.02% +6.4% YoY	0.66% +5.2% YoY	83%

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	75.2% -5.2pp YoY -1.2pp QoQ	+53.1pp	22.1%	27.7%	22.2%	100%
Brokered Deposits	n/a	n/a	7.9%	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	1.6% +0.1pp YoY +0.1pp QoQ	-10.0pp	11.6%	12.9%	12.5%	5%
CRE	n/a	n/a	39.5%	50.6%	41.4%	n/a
1-4 Family	97.3% +0.7pp YoY +0.2pp QoQ	+64.7pp	32.6%	30.7%	31.3%	99%
Consumer	1.1% -0.1pp YoY -0.1pp QoQ	-3.0pp	4.1%	3.7%	5.0%	32%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	19.8%	19.7%	n/a
Leverage Ratio	19.3% +0.6pp YoY -0.5pp QoQ	+7.1pp	12.2%	13.9%	12.6%	96%
Total Capital Ratio	n/a	n/a	19.9%	21.1%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Full-Time Employees	48 +10 (+26.3%) YoY -4 (-7.7%) QoQ	-11	58	295	482	50%
Assets per Employee ($)	$7.5M -14.5% YoY +15.2% QoQ	+$25K	$7.5M	$10.3M	$8.8M	62%
Branch Count	2 0 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	0.3% +0.3pp YoY +0.3pp QoQ	-0.6pp	0.9%	0.7%	1.0%	39%
Allowance Coverage	3.43x -85.4% YoY -85.2% QoQ	-20.72x	24.15x	16.62x	20.23x	62%
Net Charge-off Rate (YTD)	n/a	n/a	0.1%	0.2%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
ROE	6.6% -1.5pp YoY -0.7pp QoQ	-5.6pp	12.2%	9.3%	11.6%	19%
Cost of Funds (YTD)	0.5% -0.3pp YoY 0.0pp QoQ	-1.2pp	1.7%	1.8%	1.7%	2%
Net Income ($, YTD)	$2.2M -13.5% YoY — QoQ	-$361K	$2.6M	$25.2M	$40.4M	56%

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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)

Deposit Franchise

growth

#140 of 278 • Top 50.0% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 75.21%

(Tier: 22.03%, National: 21.98%)

better than tier avg

Net Interest Margin: 4.47%

(Tier: 3.99%, National: 3.95%)

better than tier avg

278 of 278 Community banks match · 368 nationally

→ Stable -1 banks QoQ | QoQ rank declining

Concerns (6)

Liquidity Strain

risk

#75 of 691 • Bottom 10.7% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 91.35%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank improving

Credit Risk Growth

risk

#108 of 936 • Bottom 11.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ

Liquidity Overhang

risk

#185 of 742 • Bottom 24.8% 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: 19.31%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 91.35%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank declining

Credit Quality Pressure

risk

#475 of 1256 • Bottom 37.7% in tier

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

Why this signature

Delinquency Rate: 0.31%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank declining

Cost Spiral

risk

#65 of 138 • Bottom 46.4% 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: 67.43%

(Tier: 64.48%, National: 70.05%)

worse than tier avg

138 of 138 Community banks match · 184 nationally

→ Stable +9 banks QoQ

Margin Compression

decline

#161 of 307 • Bottom 52.1% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.25%

(Tier: 1.32%, National: 1.30%)

worse than tier avg

307 of 307 Community banks match · 413 nationally

→ Stable +8 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 2643 peers in $100M-$1B

Top Strengths (4 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 75.21%

Peer Median: 22.03%

#8 of 2643 Top 0.3% in $100M-$1B

405

Tier 1 Capital Ratio

capital

Value: 19.31%

Peer Median: 15.91%

#405 of 2643 Top 15.3% in $100M-$1B

443

Non-Interest Income / Assets

revenue_mix

Value: 0.38%

Peer Median: 0.57%

#443 of 2643 Top 16.7% in $100M-$1B

566

Net Interest Margin

profitability

Value: 4.47%

Peer Median: 3.99%

#566 of 2643 Top 21.4% in $100M-$1B

Top Weaknesses (1 metrics)

2021

Loan-to-Deposit Ratio

liquidity

Value: 91.35%

Peer Median: 77.95%

#2021 of 2643 Bottom 23.6% in $100M-$1B