BlastPoint's Banking Scorecard

Natbank, National Association

$100M-$1B Specialty: Mortgage FL FDIC cert 33959

Hollywood, FL

4 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 +11.1% year over year ($206.8M on the books).
Delinquency rate 0.00%.
Return on assets 0.53%.
Efficiency ratio 77.12% vs a 64.48% peer average.
Loan-to-deposit ratio 112.26% 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) →

Natbank, National Association has 3 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

+ Non-Interest-Bearing Deposit Share 26.59% above tier average
+ Net Interest Margin 0.31% above tier average
+ Delinquency Rate 0.92% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 1.3% in tier
- Non-Interest Income / Assets 0.52% below tier average
- ROA 0.79% below tier average
- Efficiency Ratio 12.64% above tier average

Get updates when Natbank, 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 ?	$296.5M +22.4% YoY +1.6% QoQ	-$90.0M	$386.6M +1.2% YoY	$4.3B +7.0% YoY	$6.3B +7.7% YoY	45%
Total Loans ?	$232.1M +17.8% YoY +8.1% QoQ	-$26.3M	$258.3M +1.7% YoY	$3.0B +8.2% YoY	$3.2B +9.4% YoY	55%
Total Deposits ?	$206.8M +11.1% YoY +1.8% QoQ	-$120.0M	$326.7M +0.7% YoY	$3.5B +7.0% YoY	$4.9B +7.3% YoY	36%
Return on Assets ?	0.53% +116.2% YoY +25.2% QoQ	-0.79%	1.32% +10.8% YoY	0.62% -8.3% YoY	1.30% +12.1% YoY	Bottom 13.1% in tier
Net Interest Margin ?	4.30% +5.7% YoY +0.7% QoQ	+0.31%	3.99% +5.0% YoY	3.70% +0.5% YoY	3.95% +4.9% YoY	70%
Efficiency Ratio ?	77.12% -17.8% YoY -8.6% QoQ	+12.64%	64.48% -3.2% YoY	199.20% +161.3% YoY	70.05% +2.5% YoY	17%
Delinquency Rate ?	0.00% -99.1% YoY -98.4% QoQ	-0.92%	0.92% +15.7% YoY	0.61% -2.0% YoY	0.98% +16.3% YoY	Top 12.3% in tier
Loan-to-Deposit Ratio ?	112.26% +6.0% YoY +6.1% QoQ	+34.31%	77.95% +1.0% YoY	72.91% -1.7% YoY	79.03% +2.3% YoY	Bottom 2.2% in tier
Non-Interest-Bearing Deposit Share ?	48.62% -12.8% YoY -10.5% QoQ	+26.59%	22.03% -0.6% YoY	27.35% -2.5% YoY	21.98% -0.6% YoY	Top 1.8% in tier
Nonperforming Asset Ratio ?	0.00% -99.2% YoY -98.3% QoQ	-0.67%	0.67% +16.4% YoY	0.42% -2.6% YoY	0.69% +15.8% YoY	Top 11.4% in tier
Tier 1 Capital Ratio ?	60.93% +69.9% YoY -4.0% QoQ	+45.02%	15.91% +1.4% YoY	19.50% +8.2% YoY	17.09% +0.8% YoY	Top 0.7% in tier
Non-Interest Income / Assets ?	0.04% -79.4% YoY +421.0% QoQ	-0.52%	0.57% +7.6% YoY	1.02% +6.4% YoY	0.66% +5.2% YoY	Bottom 4.6% 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	48.6% -7.1pp YoY -5.7pp QoQ	+26.5pp	22.1%	27.7%	22.2%	98%
Brokered Deposits	7.4% -6.3pp YoY -0.1pp QoQ	-0.5pp	7.9%	8.7%	8.5%	66%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
C&I	2.5% +1.3pp YoY +0.5pp QoQ	-9.0pp	11.6%	12.9%	12.5%	8%
CRE	3.2% -0.7pp YoY -0.8pp QoQ	-36.3pp	39.5%	50.6%	41.4%	0%
1-4 Family	94.5% -0.3pp YoY +0.5pp QoQ	+61.9pp	32.6%	30.7%	31.3%	99%
Consumer	0.3% -0.4pp YoY -0.2pp QoQ	-3.8pp	4.1%	3.7%	5.0%	12%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
CET1 Ratio	60.9% +25.1pp YoY -2.5pp QoQ	+42.1pp	18.8%	19.8%	19.7%	99%
Leverage Ratio	29.8% +10.2pp YoY +0.6pp QoQ	+17.6pp	12.2%	13.9%	12.6%	99%
Total Capital Ratio	62.2% +25.1pp YoY -2.5pp QoQ	+42.2pp	19.9%	21.1%	20.8%	99%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Full-Time Employees	42 -3 (-6.7%) YoY -2 (-4.5%) QoQ	-17	58	295	482	44%
Assets per Employee ($)	$7.1M +31.1% YoY +6.4% QoQ	-$458K	$7.5M	$10.3M	$8.8M	53%
Branch Count	4 0 YoY 0 QoQ	-1	4	13	18	42%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% -0.1pp YoY	-0.3pp	0.3%	0.3%	0.4%	7%
Nonaccrual	n/a	n/a	0.9%	0.7%	1.0%	n/a
Allowance Coverage	383.40x +12723.0% YoY +6821.8% QoQ	+359.25x	24.15x	16.62x	20.23x	99%
Net Charge-off Rate (YTD)	0.1% +0.1pp YoY +0.1pp QoQ	-0.1pp	0.1%	0.2%	0.2%	75%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
ROE	1.8% +0.5pp YoY +0.4pp QoQ	-10.4pp	12.2%	9.3%	11.6%	6%
Cost of Funds (YTD)	1.0% -0.2pp YoY 0.0pp QoQ	-0.7pp	1.7%	1.8%	1.7%	11%
Net Income ($, YTD)	$766,000 +165.1% YoY — QoQ	-$1.8M	$2.6M	$25.2M	$40.4M	19%

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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 (1)

Liquidity Overhang

risk

#11 of 742 • Bottom 1.3% 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: 60.93%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 112.26%

(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

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)

Tier 1 Capital Ratio

capital

Value: 60.93%

Peer Median: 15.91%

#19 of 2643 Top 0.7% in $100M-$1B

Non-Interest-Bearing Deposit Share

funding

Value: 48.62%

Peer Median: 22.03%

#48 of 2643 Top 1.8% in $100M-$1B

302

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.67%

#302 of 2643 Top 11.4% in $100M-$1B

324

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.92%

#324 of 2633 Top 12.3% in $100M-$1B

Top Weaknesses (4 metrics)

2585

Loan-to-Deposit Ratio

liquidity

Value: 112.26%

Peer Median: 77.95%

#2585 of 2643 Bottom 2.2% in $100M-$1B

2522

Non-Interest Income / Assets

revenue_mix

Value: 0.04%

Peer Median: 0.57%

#2522 of 2643 Bottom 4.6% in $100M-$1B

2299

Return on Assets

profitability

Value: 0.53%

Peer Median: 1.32%

#2299 of 2643 Bottom 13.1% in $100M-$1B

2187

Efficiency Ratio

profitability

Value: 77.12%

Peer Median: 64.48%

#2187 of 2643 Bottom 17.3% in $100M-$1B