BlastPoint's Banking Scorecard
Natbank, National Association
Hollywood, FL
4 branches across FL
Natbank, National Association has 3 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 32.29% above tier average
- + Net Interest Margin 0.34% above tier average
- + Delinquency Rate 0.75% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 1.1% in tier
- - Non-Interest Income / Assets 0.27% below tier average
- - ROA 0.85% below tier average
- - Efficiency Ratio 19.06% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$291.9M
+26.1% YoY
+4.7% QoQ
|
-$94.1M |
$386.1M
+0.5% YoY
|
$4.3B
+10.8% YoY
|
$6.2B
+9.1% YoY
|
45% |
| Total Loans ? |
$214.8M
+11.7% YoY
+1.8% QoQ
|
-$41.0M |
$255.7M
+1.1% YoY
|
$3.0B
+12.4% YoY
|
$3.2B
+10.8% YoY
|
52% |
| Total Deposits ? |
$203.0M
+11.2% YoY
+6.7% QoQ
|
-$124.9M |
$328.0M
+0.1% YoY
|
$3.6B
+11.7% YoY
|
$4.8B
+8.2% YoY
|
35% |
| Return on Assets ? |
0.42%
+93.8% YoY
+15.5% QoQ
|
-0.85% |
1.27%
+12.9% YoY
|
0.83%
+61.5% YoY
|
1.23%
+13.4% YoY
|
Bottom 11.1% in tier |
| Net Interest Margin ? |
4.27%
+6.0% YoY
+3.0% QoQ
|
+0.34% |
3.93%
+6.0% YoY
|
3.75%
+4.2% YoY
|
3.89%
+5.7% YoY
|
71% |
| Efficiency Ratio ? |
84.34%
-13.7% YoY
-4.8% QoQ
|
+19.06% |
65.29%
-4.5% YoY
|
71.93%
-25.2% YoY
|
66.95%
-4.1% YoY
|
Bottom 10.6% in tier |
| Delinquency Rate ? |
0.14%
-52.0% YoY
-1.7% QoQ
|
-0.75% |
0.89%
+18.8% YoY
|
0.63%
-5.7% YoY
|
0.95%
+18.8% YoY
|
70% |
| Loan-to-Deposit Ratio ? |
105.77%
+0.4% YoY
-4.6% QoQ
|
+29.13% |
76.64%
+0.8% YoY
|
73.79%
+1.2% YoY
|
76.70%
+0.9% YoY
|
Bottom 4.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
54.31%
-9.7% YoY
-0.0% QoQ
|
+32.29% |
22.02%
-1.0% YoY
|
27.22%
-2.5% YoY
|
22.01%
-1.2% YoY
|
Top 1.1% in tier |
| Nonperforming Asset Ratio ? |
0.10%
-57.5% YoY
-4.4% QoQ
|
-0.54% |
0.64%
+19.7% YoY
|
0.43%
-5.1% YoY
|
0.67%
+19.3% YoY
|
70% |
| Tier 1 Capital Ratio ? |
63.45%
+75.9% YoY
-5.7% QoQ
|
+47.62% |
15.83%
+1.5% YoY
|
16.64%
-24.7% YoY
|
17.06%
+0.8% YoY
|
Top 0.6% in tier |
| Non-Interest Income / Assets ? |
0.01%
-93.6% YoY
-97.1% QoQ
|
-0.27% |
0.28%
+9.3% YoY
|
0.50%
+7.6% YoY
|
0.32%
+4.1% YoY
|
Bottom 1.4% 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 (0)
Concerns (1)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.