BlastPoint's Banking Scorecard

Sunstate Bank

$100M-$1B Specialty: Commercial FL FDIC cert 34643

Designations: ✓ Minority Depository Institution

Miami, FL

3 branches across FL

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

Sunstate 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

+ Delinquency Rate 0.89% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average

Key Concerns

Areas that may need attention

- ROA 0.51% below tier average
- Net Interest Margin 0.53% below tier average
- Efficiency Ratio 9.81% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Total Assets ?	$568.9M +4.2% YoY -0.0% QoQ	+$182.8M	$386.1M +0.5% YoY	$4.3B +10.8% YoY	$6.2B +9.1% YoY	78%
Total Loans ?	$335.7M +10.7% YoY +1.7% QoQ	+$80.0M	$255.7M +1.1% YoY	$3.0B +12.4% YoY	$3.2B +10.8% YoY	73%
Total Deposits ?	$493.6M +10.7% YoY +2.1% QoQ	+$165.7M	$328.0M +0.1% YoY	$3.6B +11.7% YoY	$4.8B +8.2% YoY	79%
Return on Assets ?	0.76% +274.9% YoY +34.0% QoQ	-0.51%	1.27% +12.9% YoY	0.83% +61.5% YoY	1.23% +13.4% YoY	24%
Net Interest Margin ?	3.41% +13.7% YoY +3.3% QoQ	-0.53%	3.93% +6.0% YoY	3.75% +4.2% YoY	3.89% +5.7% YoY	26%
Efficiency Ratio ?	75.09% -8.4% YoY -2.1% QoQ	+9.81%	65.29% -4.5% YoY	71.93% -25.2% YoY	66.95% -4.1% YoY	22%
Delinquency Rate ?	0.00% -100.0% YoY	-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 ?	68.01% +0.1% YoY -0.4% QoQ	-8.62%	76.64% +0.8% YoY	73.79% +1.2% YoY	76.70% +0.9% YoY	70%
Non-Interest-Bearing Deposit Share ?	25.64% +2.0% YoY +3.6% QoQ	+3.62%	22.02% -1.0% YoY	27.22% -2.5% YoY	22.01% -1.2% YoY	68%
Nonperforming Asset Ratio ?	0.00% -100.0% YoY	-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 ?	13.43% -6.2% YoY +1.7% QoQ	-2.40%	15.83% +1.5% YoY	16.64% -24.7% YoY	17.06% +0.8% YoY	52%
Non-Interest Income / Assets ?	0.13% -5.6% YoY -76.7% QoQ	-0.15%	0.28% +9.3% YoY	0.50% +7.6% YoY	0.32% +4.1% YoY	65%

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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 (0)

No matched concern signatures this quarter

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 (4 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

564

Total Deposits

size

Value: $493.64M

Peer Median: $327.97M

#564 of 2664 Top 21.1% in $100M-$1B

584

Total Assets

size

Value: $568.90M

Peer Median: $386.08M

#584 of 2664 Top 21.9% in $100M-$1B

Top Weaknesses (2 metrics)

2072

Efficiency Ratio

profitability

Value: 75.09%

Peer Median: 65.29%

#2072 of 2664 Bottom 22.3% in $100M-$1B

2035

Return on Assets

profitability

Value: 0.76%

Peer Median: 1.27%

#2035 of 2664 Bottom 23.6% in $100M-$1B