BlastPoint's Banking Scorecard
Sunstate Bank
Designations: ✓ Minority Depository Institution
Miami, FL
3 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 +10.6% year over year ($502.7M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.01%.
- Efficiency ratio 72.30% vs a 64.48% peer average.
- Loan-to-deposit ratio 67.39% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Sunstate Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 43.9% in tier
- + Nonperforming Asset Ratio 0.67% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.31% below tier average
- - Net Interest Margin 0.47% below tier average
- - Efficiency Ratio 7.82% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$580.4M
+8.0% YoY
+2.0% QoQ
|
+$193.8M |
$386.6M
+1.2% YoY
|
$4.3B
+7.0% YoY
|
$6.3B
+7.7% YoY
|
79% |
| Total Loans ? |
$338.8M
+2.1% YoY
+0.9% QoQ
|
+$80.5M |
$258.3M
+1.7% YoY
|
$3.0B
+8.2% YoY
|
$3.2B
+9.4% YoY
|
73% |
| Total Deposits ? |
$502.7M
+10.6% YoY
+1.8% QoQ
|
+$176.0M |
$326.7M
+0.7% YoY
|
$3.5B
+7.0% YoY
|
$4.9B
+7.3% YoY
|
80% |
| Return on Assets ? |
1.01%
+97.7% YoY
+33.4% QoQ
|
-0.31% |
1.32%
+10.8% YoY
|
0.62%
-8.3% YoY
|
1.30%
+12.1% YoY
|
34% |
| Net Interest Margin ? |
3.51%
+7.5% YoY
+3.2% QoQ
|
-0.47% |
3.99%
+5.0% YoY
|
3.70%
+0.5% YoY
|
3.95%
+4.9% YoY
|
28% |
| Efficiency Ratio ? |
72.30%
-2.3% YoY
-3.7% QoQ
|
+7.82% |
64.48%
-3.2% YoY
|
199.20%
+161.3% YoY
|
70.05%
+2.5% YoY
|
25% |
| 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 ? |
67.39%
-7.7% YoY
-0.9% QoQ
|
-10.56% |
77.95%
+1.0% YoY
|
72.91%
-1.7% YoY
|
79.03%
+2.3% YoY
|
74% |
| Non-Interest-Bearing Deposit Share ? |
25.99%
-0.9% YoY
+1.4% QoQ
|
+3.96% |
22.03%
-0.6% YoY
|
27.35%
-2.5% YoY
|
21.98%
-0.6% YoY
|
69% |
| 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 ? |
14.01%
+8.6% YoY
+4.3% QoQ
|
-1.90% |
15.91%
+1.4% YoY
|
19.50%
+8.2% YoY
|
17.09%
+0.8% YoY
|
57% |
| Non-Interest Income / Assets ? |
0.25%
-10.3% YoY
+98.0% QoQ
|
-0.32% |
0.57%
+7.6% YoY
|
1.02%
+6.4% YoY
|
0.66%
+5.2% YoY
|
63% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
26.0%
-0.2pp YoY +0.4pp QoQ |
+3.8pp | 22.1% | 27.7% | 22.2% | 69% |
| 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 |
11.8%
+0.1pp YoY +0.4pp QoQ |
+0.3pp | 11.6% | 12.9% | 12.5% | 62% |
| CRE |
53.5%
+0.8pp YoY +0.8pp QoQ |
+13.9pp | 39.5% | 50.6% | 41.4% | 76% |
| 1-4 Family |
35.0%
-1.1pp YoY -1.3pp QoQ |
+2.3pp | 32.6% | 30.7% | 31.3% | 61% |
| Consumer |
0.6%
0.0pp YoY 0.0pp QoQ |
-3.5pp | 4.1% | 3.7% | 5.0% | 18% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
14.0%
+1.1pp YoY +0.6pp QoQ |
-4.8pp | 18.8% | 19.8% | 19.7% | 39% |
| Leverage Ratio |
11.5%
+0.1pp YoY +0.4pp QoQ |
-0.7pp | 12.2% | 13.9% | 12.6% | 57% |
| Total Capital Ratio |
14.7%
+1.0pp YoY +0.4pp QoQ |
-5.3pp | 19.9% | 21.1% | 20.8% | 34% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
79
+1 (+1.3%) YoY -2 (-2.5%) QoQ |
+20 | 58 | 295 | 482 | 76% |
| Assets per Employee ($) |
$7.3M
+6.7% YoY +4.6% QoQ |
-$172K | $7.5M | $10.3M | $8.8M | 58% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 13 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.3% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 0.7% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 16.62x | 20.23x | n/a |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.2% | 0.2% | 24% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
8.1%
+4.0pp YoY +2.0pp QoQ |
-4.1pp | 12.2% | 9.3% | 11.6% | 26% |
| Cost of Funds (YTD) |
2.3%
-0.4pp YoY 0.0pp QoQ |
+0.5pp | 1.7% | 1.8% | 1.7% | 82% |
| Net Income ($, YTD) |
$2.9M
+108.5% YoY — QoQ |
+$341K | $2.6M | $25.2M | $40.4M | 68% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.