BlastPoint's Banking Scorecard

BTG Pactual Bank, National Association

$100M-$1B Specialty: Commercial NY FDIC cert 35154

New York, NY

2664 banks in the $100M-$1B peer group nationally 51 in NY

BTG Pactual Bank, National Association has 1 strength but faces 6 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 0.70% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 3.9% in tier
- Efficiency Drag: Bottom 5.3% in tier
- NIB Deposit Bleed: Bottom 13.6% in tier
- Return on Assets 1.33% below tier average
- Non-Interest Income / Assets 0.27% below tier average
- Net Interest Margin 0.91% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Total Assets ?	$892.5M +121.9% YoY +0.5% QoQ	+$506.4M	$386.1M +0.5% YoY	$19.3B +17.3% YoY	$6.2B +9.1% YoY	Top 3.9% in tier
Total Loans ?	$343.3M +31.1% YoY +22.3% QoQ	+$87.5M	$255.7M +1.1% YoY	$8.1B +14.6% YoY	$3.2B +10.8% YoY	74%
Total Deposits ?	$377.6M +26.6% YoY +2.6% QoQ	+$49.6M	$328.0M +0.1% YoY	$15.1B +16.0% YoY	$4.8B +8.2% YoY	67%
Return on Assets ?	-0.06% -132.1% YoY -121.5% QoQ	-1.33%	1.27% +12.9% YoY	0.86% +14.3% YoY	1.23% +13.4% YoY	Bottom 3.3% in tier
Net Interest Margin ?	3.02% +10.2% YoY +31.4% QoQ	-0.91%	3.93% +6.0% YoY	3.45% +7.0% YoY	3.89% +5.7% YoY	Bottom 12.0% in tier
Efficiency Ratio ?	80.71% -7.6% YoY -1.1% QoQ	+15.42%	65.29% -4.5% YoY	69.17% -3.6% YoY	66.95% -4.1% YoY	Bottom 14.6% in tier
Delinquency Rate ?	0.19% -33.5% YoY -18.2% QoQ	-0.70%	0.89% +18.8% YoY	1.13% +6.9% YoY	0.95% +18.8% YoY	65%
Loan-to-Deposit Ratio ?	90.91% +3.5% YoY +19.2% QoQ	+14.27%	76.64% +0.8% YoY	77.98% +0.4% YoY	76.70% +0.9% YoY	23%
Non-Interest-Bearing Deposit Share ?	14.16% -45.5% YoY +8.5% QoQ	-7.86%	22.02% -1.0% YoY	21.94% +1.2% YoY	22.01% -1.2% YoY	21%
Nonperforming Asset Ratio ?	0.07% -60.7% YoY -0.5% QoQ	-0.56%	0.64% +19.7% YoY	0.73% +4.5% YoY	0.67% +19.3% YoY	74%
Tier 1 Capital Ratio ?	155.00% +665.2% YoY -21.4% QoQ	+139.17%	15.83% +1.5% YoY	24.83% +10.8% YoY	17.06% +0.8% YoY	Top 0.3% in tier
Non-Interest Income / Assets ?	0.01% -69.8% YoY -83.1% QoQ	-0.27%	0.28% +9.3% YoY	0.21% +9.1% YoY	0.32% +4.1% YoY	Bottom 1.3% in tier

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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 (3)

Liquidity Overhang

risk

#30 of 739 • Bottom 3.9% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 155.00%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 90.91%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank improving

Efficiency Drag

risk

#23 of 414 • Bottom 5.3% in tier

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

Why this signature

Efficiency Ratio: 80.71%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable | QoQ rank declining

NIB Deposit Bleed

decline

#28 of 198 • Bottom 13.6% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 14.16%

(Tier: 22.02%, National: 22.01%)

worse than tier avg

198 of 198 Community banks match · 238 nationally

↓ Shrinking -31 banks QoQ | QoQ rank declining

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 (2 metrics)

Tier 1 Capital Ratio

capital

Value: 155.00%

Peer Median: 15.83%

#8 of 2664 Top 0.3% in $100M-$1B

106

Total Assets

size

Value: $892.46M

Peer Median: $386.08M

#106 of 2664 Top 3.9% in $100M-$1B

Top Weaknesses (6 metrics)

2631

Non-Interest Income / Assets

revenue_mix

Value: 0.01%

Peer Median: 0.28%

#2631 of 2664 Bottom 1.3% in $100M-$1B

2578

Return on Assets

profitability

Value: -0.06%

Peer Median: 1.27%

#2578 of 2664 Bottom 3.3% in $100M-$1B

2344

Net Interest Margin

profitability

Value: 3.02%

Peer Median: 3.93%

#2344 of 2664 Bottom 12.0% in $100M-$1B

2276

Efficiency Ratio

profitability

Value: 80.71%

Peer Median: 65.29%

#2276 of 2664 Bottom 14.6% in $100M-$1B

2108

Non-Interest-Bearing Deposit Share

funding

Value: 14.16%

Peer Median: 22.02%

#2108 of 2664 Bottom 20.9% in $100M-$1B

2061

Loan-to-Deposit Ratio

liquidity

Value: 90.91%

Peer Median: 76.64%

#2061 of 2664 Bottom 22.7% in $100M-$1B