BlastPoint's Banking Scorecard

BTG Pactual Bank, National Association

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

New York, NY

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 48 in NY.
Deposits +57.1% year over year ($460.4M on the books).
Delinquency rate 0.18%.
Return on assets -0.13%.
Efficiency ratio 83.50% vs a 64.48% peer average.
Loan-to-deposit ratio 96.11% 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 48 in NY

View $100M-$1B leaderboard (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 0.74% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 3.4% in tier
- Efficiency Drag: Bottom 3.9% in tier
- NIB Deposit Bleed: Bottom 7.4% in tier
- Return on Assets 1.45% below tier average
- Non-Interest Income / Assets 0.55% below tier average
- Net Interest Margin 0.80% below tier average

Get updates when BTG Pactual Bank, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Total Assets ?	$978.3M +144.9% YoY +9.6% QoQ	+$591.8M	$386.6M +1.2% YoY	$19.3B +10.2% YoY	$6.3B +7.7% YoY	Top 0.9% in tier
Total Loans ?	$442.5M +67.1% YoY +28.9% QoQ	+$184.1M	$258.3M +1.7% YoY	$8.2B +12.4% YoY	$3.2B +9.4% YoY	83%
Total Deposits ?	$460.4M +57.1% YoY +21.9% QoQ	+$133.6M	$326.7M +0.7% YoY	$14.8B +8.7% YoY	$4.9B +7.3% YoY	76%
Return on Assets ?	-0.13% -158.4% YoY -106.9% QoQ	-1.45%	1.32% +10.8% YoY	0.94% +14.0% YoY	1.30% +12.1% YoY	Bottom 2.8% in tier
Net Interest Margin ?	3.18% +17.6% YoY +5.6% QoQ	-0.80%	3.99% +5.0% YoY	3.52% +6.2% YoY	3.95% +4.9% YoY	15%
Efficiency Ratio ?	83.50% -3.4% YoY +3.5% QoQ	+19.02%	64.48% -3.2% YoY	67.96% -1.8% YoY	70.05% +2.5% YoY	Bottom 10.4% in tier
Delinquency Rate ?	0.18% -29.6% YoY -7.1% QoQ	-0.74%	0.92% +15.7% YoY	1.19% +15.7% YoY	0.98% +16.3% YoY	67%
Loan-to-Deposit Ratio ?	96.11% +6.4% YoY +5.7% QoQ	+18.16%	77.95% +1.0% YoY	79.34% +1.1% YoY	79.03% +2.3% YoY	Bottom 14.8% in tier
Non-Interest-Bearing Deposit Share ?	11.22% -59.5% YoY -20.7% QoQ	-10.81%	22.03% -0.6% YoY	22.09% +0.6% YoY	21.98% -0.6% YoY	Bottom 13.0% in tier
Nonperforming Asset Ratio ?	0.08% -52.0% YoY +9.2% QoQ	-0.59%	0.67% +16.4% YoY	0.79% +14.5% YoY	0.69% +15.8% YoY	74%
Tier 1 Capital Ratio ?	111.63% +452.3% YoY -28.0% QoQ	+95.72%	15.91% +1.4% YoY	23.90% +5.3% YoY	17.09% +0.8% YoY	Top 0.3% in tier
Non-Interest Income / Assets ?	0.01% -76.2% YoY +69.4% QoQ	-0.55%	0.57% +7.6% YoY	0.52% +23.2% YoY	0.66% +5.2% YoY	Bottom 1.2% 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 (NY)	National Avg	Tier Percentile
Noninterest-Bearing	11.2% -16.5pp YoY -2.9pp QoQ	-10.9pp	22.1%	22.1%	22.2%	12%
Brokered Deposits	9.5% -2.6pp YoY -0.8pp QoQ	+1.7pp	7.9%	8.0%	8.5%	73%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
C&I	29.8% +25.8pp YoY +9.6pp QoQ	+18.2pp	11.6%	11.0%	12.5%	96%
CRE	42.2% -17.0pp YoY -3.1pp QoQ	+2.7pp	39.5%	46.2%	41.4%	57%
1-4 Family	23.4% -12.6pp YoY -6.2pp QoQ	-9.2pp	32.6%	36.6%	31.3%	38%
Consumer	5.6% +3.8pp YoY -0.5pp QoQ	+1.5pp	4.1%	5.1%	5.0%	80%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
CET1 Ratio	111.6% +91.4pp YoY -43.4pp QoQ	+92.8pp	18.8%	26.1%	19.7%	99%
Leverage Ratio	48.1% +36.7pp YoY -3.1pp QoQ	+35.9pp	12.2%	13.9%	12.6%	100%
Total Capital Ratio	112.8% +91.4pp YoY -43.5pp QoQ	+92.9pp	19.9%	27.2%	20.8%	99%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Full-Time Employees	60 +33 (+122.2%) YoY +13 (+27.7%) QoQ	+1	58	914	482	63%
Assets per Employee ($)	$16.3M +10.2% YoY -14.1% QoQ	+$8.8M	$7.5M	$14.8M	$8.8M	98%
Branch Count	1 0 YoY 0 QoQ	-4	4	27	18	0%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Past Due 90+ Days	0.2%	-0.1pp	0.3%	0.1%	0.4%	63%
Nonaccrual	n/a	n/a	0.9%	1.3%	1.0%	n/a
Allowance Coverage	5.70x +38.4% YoY -6.6% QoQ	-18.45x	24.15x	1.92x	20.23x	73%
Net Charge-off Rate (YTD)	0.4% +0.3pp YoY +0.4pp QoQ	+0.2pp	0.1%	0.1%	0.2%	91%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
ROE	-0.3% -2.1pp YoY -0.1pp QoQ	-12.5pp	12.2%	7.9%	11.6%	3%
Cost of Funds (YTD)	1.7% -1.1pp YoY +0.1pp QoQ	0.0pp	1.7%	1.8%	1.7%	51%
Net Income ($, YTD)	$-590000.0 -233.5% YoY — QoQ	-$3.1M	$2.6M	$111.2M	$40.4M	2%

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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

#26 of 742 • Bottom 3.4% 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: 111.63%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 96.11%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank improving

Efficiency Drag

risk

#15 of 361 • Bottom 3.9% in tier

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

Why this signature

Efficiency Ratio: 83.50%

(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

NIB Deposit Bleed

decline

#13 of 162 • Bottom 7.4% 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: 11.22%

(Tier: 22.03%, National: 21.98%)

worse than tier avg

162 of 162 Community banks match · 211 nationally

↓ Shrinking -26 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)

Tier 1 Capital Ratio

capital

Value: 111.63%

Peer Median: 15.91%

#10 of 2643 Top 0.3% in $100M-$1B

Total Assets

size

Value: $978.32M

Peer Median: $386.57M

#24 of 2643 Top 0.9% in $100M-$1B

444

Total Loans

size

Value: $442.47M

Peer Median: $258.35M

#444 of 2643 Top 16.8% in $100M-$1B

632

Total Deposits

size

Value: $460.38M

Peer Median: $326.73M

#632 of 2643 Top 23.9% in $100M-$1B

Top Weaknesses (6 metrics)

2612

Non-Interest Income / Assets

revenue_mix

Value: 0.01%

Peer Median: 0.57%

#2612 of 2643 Bottom 1.2% in $100M-$1B

2571

Return on Assets

profitability

Value: -0.13%

Peer Median: 1.32%

#2571 of 2643 Bottom 2.8% in $100M-$1B

2369

Efficiency Ratio

profitability

Value: 83.50%

Peer Median: 64.48%

#2369 of 2643 Bottom 10.4% in $100M-$1B

2301

Non-Interest-Bearing Deposit Share

funding

Value: 11.22%

Peer Median: 22.03%

#2301 of 2643 Bottom 13.0% in $100M-$1B

2254

Loan-to-Deposit Ratio

liquidity

Value: 96.11%

Peer Median: 77.95%

#2254 of 2643 Bottom 14.8% in $100M-$1B

2235

Net Interest Margin

profitability

Value: 3.18%

Peer Median: 3.99%

#2235 of 2643 Bottom 15.5% in $100M-$1B