BlastPoint's Banking Scorecard

Desjardins Bank, National Association

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

Hallandale, FL

2 branches across FL

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

Desjardins Bank, National Association has 4 strengths but faces 4 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

+ Credit Quality Leader: Top 10.4% in tier
+ Deposit Franchise: Top 40.8% in tier
+ ROA 0.11% above tier average
+ Efficiency Ratio 0.40% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 4.2% in tier
- Liquidity Strain: Bottom 12.6% in tier
- Liquidity Overhang: Bottom 17.0% in tier
- Margin Compression: Bottom 48.5% in tier

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

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Total Assets ?	$340.6M +1.5% YoY -3.5% QoQ	-$45.4M	$386.1M +0.5% YoY	$4.3B +10.8% YoY	$6.2B +9.1% YoY	53%
Total Loans ?	$262.7M -1.9% YoY -2.3% QoQ	+$7.0M	$255.7M +1.1% YoY	$3.0B +12.4% YoY	$3.2B +10.8% YoY	61%
Total Deposits ?	$272.4M +10.9% YoY -4.7% QoQ	-$55.6M	$328.0M +0.1% YoY	$3.6B +11.7% YoY	$4.8B +8.2% YoY	50%
Return on Assets ?	1.38% -9.8% YoY +9.2% QoQ	+0.11%	1.27% +12.9% YoY	0.83% +61.5% YoY	1.23% +13.4% YoY	61%
Net Interest Margin ?	4.52% +2.4% YoY +1.8% QoQ	+0.59%	3.93% +6.0% YoY	3.75% +4.2% YoY	3.89% +5.7% YoY	83%
Efficiency Ratio ?	64.88% +6.5% YoY -3.8% QoQ	-0.40%	65.29% -4.5% YoY	71.93% -25.2% YoY	66.95% -4.1% YoY	45%
Delinquency Rate ?	0.05% +46.2% YoY -93.4% QoQ	-0.84%	0.89% +18.8% YoY	0.63% -5.7% YoY	0.95% +18.8% YoY	80%
Loan-to-Deposit Ratio ?	96.44% -11.5% YoY +2.5% QoQ	+19.80%	76.64% +0.8% YoY	73.79% +1.2% YoY	76.70% +0.9% YoY	Bottom 13.1% in tier
Non-Interest-Bearing Deposit Share ?	76.36% -4.9% YoY -3.5% QoQ	+54.34%	22.02% -1.0% YoY	27.22% -2.5% YoY	22.01% -1.2% YoY	Top 0.2% in tier
Nonperforming Asset Ratio ?	0.04% +41.4% YoY -93.3% QoQ	-0.60%	0.64% +19.7% YoY	0.43% -5.1% YoY	0.67% +19.3% YoY	80%
Tier 1 Capital Ratio ?	19.82% +8.0% YoY +1.6% QoQ	+3.99%	15.83% +1.5% YoY	16.64% -24.7% YoY	17.06% +0.8% YoY	Top 13.9% in tier
Non-Interest Income / Assets ?	0.22% -11.7% YoY -72.3% QoQ	-0.06%	0.28% +9.3% YoY	0.50% +7.6% YoY	0.32% +4.1% YoY	Top 11.5% in tier

Get Full Access to Desjardins Bank, National Association

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

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 (2)

Credit Quality Leader

growth

#70 of 664 • Top 10.4% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.05%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ

Deposit Franchise

growth

#112 of 272 • Top 40.8% 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: 76.36%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 4.52%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank improving

Concerns (4)

Credit Quality Pressure

risk

#56 of 1308 • Bottom 4.2% in tier

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

Why this signature

Delinquency Rate: 0.05%

(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

Liquidity Strain

risk

#82 of 643 • Bottom 12.6% 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: 96.44%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ

Liquidity Overhang

risk

#127 of 739 • Bottom 17.0% 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: 19.82%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 96.44%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank improving

Margin Compression

decline

#149 of 305 • Bottom 48.5% 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: 1.38%

(Tier: 1.27%, National: 1.23%)

better than tier avg

305 of 305 Community banks match · 407 nationally

↑ Growing +94 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 2664 peers in $100M-$1B

Top Strengths (6 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 76.36%

Peer Median: 22.02%

#5 of 2664 Top 0.2% in $100M-$1B

308

Non-Interest Income / Assets

revenue_mix

Value: 0.22%

Peer Median: 0.28%

#308 of 2664 Top 11.5% in $100M-$1B

370

Tier 1 Capital Ratio

capital

Value: 19.82%

Peer Median: 15.83%

#370 of 2664 Top 13.9% in $100M-$1B

467

Net Interest Margin

profitability

Value: 4.52%

Peer Median: 3.93%

#467 of 2664 Top 17.5% in $100M-$1B

528

Delinquency Rate

credit_quality

Value: 0.05%

Peer Median: 0.89%

#528 of 2654 Top 19.9% in $100M-$1B

530

Nonperforming Asset Ratio

credit_quality

Value: 0.04%

Peer Median: 0.64%

#530 of 2664 Top 19.9% in $100M-$1B

Top Weaknesses (1 metrics)

2315

Loan-to-Deposit Ratio

liquidity

Value: 96.44%

Peer Median: 76.64%

#2315 of 2664 Bottom 13.1% in $100M-$1B