BlastPoint's Banking Scorecard

Edison National Bank

$100M-$1B Specialty: Other FL FDIC cert 34489

Fort Myers, 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 +12.9% year over year ($399.0M on the books).
Delinquency rate 0.00%.
Return on assets 0.61%.
Efficiency ratio 82.89% vs a 64.48% peer average.
Loan-to-deposit ratio 36.99% 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) →

Edison National Bank has 2 strengths but faces 3 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 43.7% in tier
+ Nonperforming Asset Ratio 0.67% below tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 16.1% in tier
- ROA 0.71% below tier average
- Net Interest Margin 0.95% below tier average

Get updates when Edison National Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Total Assets ?	$453.7M +11.1% YoY -4.9% QoQ	+$67.2M	$386.6M +1.2% YoY	$4.3B +7.0% YoY	$6.3B +7.7% YoY	68%
Total Loans ?	$147.6M +1.7% YoY +0.5% QoQ	-$110.7M	$258.3M +1.7% YoY	$3.0B +8.2% YoY	$3.2B +9.4% YoY	34%
Total Deposits ?	$399.0M +12.9% YoY -5.5% QoQ	+$72.3M	$326.7M +0.7% YoY	$3.5B +7.0% YoY	$4.9B +7.3% YoY	70%
Return on Assets ?	0.61% -22.7% YoY -7.2% QoQ	-0.71%	1.32% +10.8% YoY	0.62% -8.3% YoY	1.30% +12.1% YoY	16%
Net Interest Margin ?	3.04% -7.8% YoY +1.6% QoQ	-0.95%	3.99% +5.0% YoY	3.70% +0.5% YoY	3.95% +4.9% YoY	Bottom 11.0% in tier
Efficiency Ratio ?	82.89% +6.8% YoY -1.3% QoQ	+18.41%	64.48% -3.2% YoY	199.20% +161.3% YoY	70.05% +2.5% YoY	Bottom 11.0% in tier
Delinquency Rate ?	0.00%	-0.92%	0.92% +15.7% YoY	0.61% -2.0% YoY	0.98% +16.3% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	36.99% -9.9% YoY +6.3% QoQ	-40.96%	77.95% +1.0% YoY	72.91% -1.7% YoY	79.03% +2.3% YoY	Top 3.1% in tier
Non-Interest-Bearing Deposit Share ?	25.53% -11.0% YoY -7.2% QoQ	+3.50%	22.03% -0.6% YoY	27.35% -2.5% YoY	21.98% -0.6% YoY	68%
Nonperforming Asset Ratio ?	0.00%	-0.67%	0.67% +16.4% YoY	0.42% -2.6% YoY	0.69% +15.8% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	29.49% +9.4% YoY +4.5% QoQ	+13.58%	15.91% +1.4% YoY	19.50% +8.2% YoY	17.09% +0.8% YoY	Top 4.2% in tier
Non-Interest Income / Assets ?	0.08% -61.3% YoY +110.2% QoQ	-0.49%	0.57% +7.6% YoY	1.02% +6.4% YoY	0.66% +5.2% YoY	Bottom 13.1% 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	25.5% -3.2pp YoY -2.0pp QoQ	+3.4pp	22.1%	27.7%	22.2%	67%
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	7.6% +2.4pp YoY +0.7pp QoQ	-3.9pp	11.6%	12.9%	12.5%	37%
CRE	n/a	n/a	39.5%	50.6%	41.4%	n/a
1-4 Family	59.7% -5.2pp YoY -1.0pp QoQ	+27.1pp	32.6%	30.7%	31.3%	90%
Consumer	3.0% -1.3pp YoY -0.3pp QoQ	-1.1pp	4.1%	3.7%	5.0%	60%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
CET1 Ratio	29.5% +2.5pp YoY +1.3pp QoQ	+10.7pp	18.8%	19.8%	19.7%	93%
Leverage Ratio	9.0% 0.0pp YoY 0.0pp QoQ	-3.1pp	12.2%	13.9%	12.6%	12%
Total Capital Ratio	30.7% +2.5pp YoY +1.3pp QoQ	+10.8pp	19.9%	21.1%	20.8%	93%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Full-Time Employees	48 0 YoY 0 QoQ	-11	58	295	482	50%
Assets per Employee ($)	$9.5M +11.1% YoY -4.9% QoQ	+$1.9M	$7.5M	$10.3M	$8.8M	83%
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	n/a	n/a	0.3%	0.3%	0.4%	n/a
Nonaccrual	n/a	n/a	0.9%	0.7%	1.0%	n/a
Allowance Coverage	n/a	n/a	24.15x	16.62x	20.23x	n/a
Net Charge-off Rate (YTD)	0.0% 0.0pp QoQ	-0.1pp	0.1%	0.2%	0.2%	34%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
ROE	7.4% -2.3pp YoY -0.8pp QoQ	-4.8pp	12.2%	9.3%	11.6%	22%
Cost of Funds (YTD)	1.2% +0.2pp YoY +0.1pp QoQ	-0.5pp	1.7%	1.8%	1.7%	19%
Net Income ($, YTD)	$1.4M -17.7% YoY — QoQ	-$1.2M	$2.6M	$25.2M	$40.4M	38%

Get Full Access to Edison National Bank

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 (1)

Credit Quality Leader

growth

#289 of 659 • Top 43.7% in tier

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

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.92%, National: 0.98%)

better than tier avg

659 of 659 Community banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank improving

Concerns (1)

Efficiency Drag

risk

#59 of 361 • Bottom 16.1% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 82.89%

(Tier: 64.48%, National: 70.05%)

worse than tier avg

361 of 361 Community banks match · 426 nationally

↓ Shrinking -64 banks QoQ | QoQ rank improving

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)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.92%

#1 of 2633 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.67%

#1 of 2643 Top 0.1% in $100M-$1B

Loan-to-Deposit Ratio

liquidity

Value: 36.99%

Peer Median: 77.95%

#84 of 2643 Top 3.1% in $100M-$1B

113

Tier 1 Capital Ratio

capital

Value: 29.49%

Peer Median: 15.91%

#113 of 2643 Top 4.2% in $100M-$1B

Top Weaknesses (4 metrics)

2353

Efficiency Ratio

profitability

Value: 82.89%

Peer Median: 64.48%

#2353 of 2643 Bottom 11.0% in $100M-$1B

2353

Net Interest Margin

profitability

Value: 3.04%

Peer Median: 3.99%

#2353 of 2643 Bottom 11.0% in $100M-$1B

2298

Non-Interest Income / Assets

revenue_mix

Value: 0.08%

Peer Median: 0.57%

#2298 of 2643 Bottom 13.1% in $100M-$1B

2234

Return on Assets

profitability

Value: 0.61%

Peer Median: 1.32%

#2234 of 2643 Bottom 15.5% in $100M-$1B