BlastPoint's Banking Scorecard
Edison National Bank
Fort Myers, FL
4 branches across FL
Edison National Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 46.7% in tier
- + Nonperforming Asset Ratio 0.64% below tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 34.5% in tier
- - ROA 0.61% below tier average
- - Net Interest Margin 0.94% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$476.9M
+8.0% YoY
+11.7% QoQ
|
+$90.9M |
$386.1M
+0.5% YoY
|
$4.3B
+10.8% YoY
|
$6.2B
+9.1% YoY
|
70% |
| Total Loans ? |
$146.9M
-4.7% YoY
-2.6% QoQ
|
-$108.8M |
$255.7M
+1.1% YoY
|
$3.0B
+12.4% YoY
|
$3.2B
+10.8% YoY
|
35% |
| Total Deposits ? |
$422.1M
+9.3% YoY
+12.3% QoQ
|
+$94.2M |
$328.0M
+0.1% YoY
|
$3.6B
+11.7% YoY
|
$4.8B
+8.2% YoY
|
72% |
| Return on Assets ? |
0.66%
+11.4% YoY
-7.2% QoQ
|
-0.61% |
1.27%
+12.9% YoY
|
0.83%
+61.5% YoY
|
1.23%
+13.4% YoY
|
19% |
| Net Interest Margin ? |
2.99%
-8.0% YoY
-7.9% QoQ
|
-0.94% |
3.93%
+6.0% YoY
|
3.75%
+4.2% YoY
|
3.89%
+5.7% YoY
|
Bottom 11.3% in tier |
| Efficiency Ratio ? |
83.97%
+2.7% YoY
+5.8% QoQ
|
+18.68% |
65.29%
-4.5% YoY
|
71.93%
-25.2% YoY
|
66.95%
-4.1% YoY
|
Bottom 11.1% in tier |
| Delinquency Rate ? | 0.00% | -0.89% |
0.89%
+18.8% YoY
|
0.63%
-5.7% YoY
|
0.95%
+18.8% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
34.79%
-12.8% YoY
-13.2% QoQ
|
-41.85% |
76.64%
+0.8% YoY
|
73.79%
+1.2% YoY
|
76.70%
+0.9% YoY
|
Top 2.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
27.51%
-9.9% YoY
-3.5% QoQ
|
+5.49% |
22.02%
-1.0% YoY
|
27.22%
-2.5% YoY
|
22.01%
-1.2% YoY
|
75% |
| Nonperforming Asset Ratio ? | 0.00% | -0.64% |
0.64%
+19.7% YoY
|
0.43%
-5.1% YoY
|
0.67%
+19.3% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
28.22%
+7.2% YoY
+9.5% QoQ
|
+12.39% |
15.83%
+1.5% YoY
|
16.64%
-24.7% YoY
|
17.06%
+0.8% YoY
|
Top 4.6% in tier |
| Non-Interest Income / Assets ? |
0.04%
-0.3% YoY
-89.3% QoQ
|
-0.24% |
0.28%
+9.3% YoY
|
0.50%
+7.6% YoY
|
0.32%
+4.1% YoY
|
Bottom 12.4% 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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (1)
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.