BlastPoint's Banking Scorecard

OptimumBank

$1B-$10B Specialty: Commercial FL FDIC cert 35430

Designations: ✓ Community bank

Fort Lauderdale, 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 885 banks in the $1B-$10B peer group nationwide — 1 of 24 in FL.
Deposits +38.3% year over year ($1.2B on the books).
Delinquency rate 0.18%.
Return on assets 1.95%.
Efficiency ratio 47.15% vs a 59.73% peer average.
Loan-to-deposit ratio 97.86% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 24 in FL

View $1B-$10B leaderboard (FL) →

OptimumBank shows strong momentum with 4 strengths and 38.8% YoY asset growth

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

+ Profitability Leader: Top 49.1% in tier
+ Net Interest Margin 0.65% above tier average
+ Efficiency Ratio 12.58% below tier average
+ Delinquency Rate 0.69% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when OptimumBank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Total Assets ?	$1.4B +38.8% YoY +9.3% QoQ	-$1.4B	$2.8B -0.6% YoY	$4.3B +7.0% YoY	$6.3B +7.7% YoY	28%
Total Loans ?	$1.2B +53.7% YoY +10.4% QoQ	-$772.7M	$2.0B -0.3% YoY	$3.0B +8.2% YoY	$3.2B +9.4% YoY	42%
Total Deposits ?	$1.2B +38.3% YoY +11.2% QoQ	-$1.1B	$2.3B -0.5% YoY	$3.5B +7.0% YoY	$4.9B +7.3% YoY	32%
Return on Assets ?	1.95% +14.9% YoY +14.1% QoQ	+0.55%	1.39% +17.0% YoY	0.62% -8.3% YoY	1.30% +12.1% YoY	Top 13.7% in tier
Net Interest Margin ?	4.52% +8.2% YoY -0.9% QoQ	+0.65%	3.87% +6.2% YoY	3.70% +0.5% YoY	3.95% +4.9% YoY	Top 12.1% in tier
Efficiency Ratio ?	47.15% -0.8% YoY -5.4% QoQ	-12.58%	59.73% -12.6% YoY	199.20% +161.3% YoY	70.05% +2.5% YoY	84%
Delinquency Rate ?	0.18% -56.4% YoY -9.6% QoQ	-0.69%	0.87% +11.7% YoY	0.61% -2.0% YoY	0.98% +16.3% YoY	80%
Loan-to-Deposit Ratio ?	97.86% +11.2% YoY -0.7% QoQ	+12.83%	85.04% -0.1% YoY	72.91% -1.7% YoY	79.03% +2.3% YoY	20%
Non-Interest-Bearing Deposit Share ?	26.46% -10.8% YoY -5.4% QoQ	+5.19%	21.27% -1.5% YoY	27.35% -2.5% YoY	21.98% -0.6% YoY	76%
Nonperforming Asset Ratio ?	0.16% -51.8% YoY -8.7% QoQ	-0.52%	0.67% +11.7% YoY	0.42% -2.6% YoY	0.69% +15.8% YoY	78%
Tier 1 Capital Ratio ?	10.54% -11.3% YoY -1.9% QoQ	-4.30%	14.84% -0.4% YoY	19.50% +8.2% YoY	17.09% +0.8% YoY	Bottom 11.2% in tier
Non-Interest Income / Assets ?	0.31% +0.9% YoY +118.9% QoQ	-0.22%	0.53% +2.5% YoY	1.02% +6.4% YoY	0.66% +5.2% YoY	54%

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	26.5% -3.2pp YoY -1.5pp QoQ	+5.1pp	21.4%	27.7%	22.2%	76%
Brokered Deposits	15.6% +6.5pp YoY +3.7pp QoQ	+6.2pp	9.5%	8.7%	8.5%	83%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
C&I	4.3% -2.2pp YoY 0.0pp QoQ	-9.7pp	14.0%	12.9%	12.5%	15%
CRE	82.6% +4.6pp YoY +0.2pp QoQ	+32.6pp	50.0%	50.6%	41.4%	97%
1-4 Family	13.5% -2.2pp YoY -0.2pp QoQ	-13.0pp	26.4%	30.7%	31.3%	26%
Consumer	0.1% -0.5pp YoY -0.1pp QoQ	-4.6pp	4.7%	3.7%	5.0%	15%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	15.6%	19.8%	19.7%	n/a
Leverage Ratio	10.5% -1.3pp YoY -0.2pp QoQ	-0.8pp	11.3%	13.9%	12.6%	51%
Total Capital Ratio	n/a	n/a	16.7%	21.1%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Full-Time Employees	114 +26 (+29.5%) YoY +8 (+7.5%) QoQ	-200	313	295	482	12%
Assets per Employee ($)	$12.2M +7.1% YoY +1.6% QoQ	+$1.7M	$10.5M	$10.3M	$8.8M	79%
Branch Count	4 0 YoY 0 QoQ	-16	20	13	18	10%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.3%	0.4%	n/a
Nonaccrual	0.2% -0.2pp YoY 0.0pp QoQ	-0.6pp	0.8%	0.7%	1.0%	19%
Allowance Coverage	5.05x +74.2% YoY -1.3% QoQ	-13.66x	18.71x	16.62x	20.23x	78%
Net Charge-off Rate (YTD)	0.0% -0.1pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.2%	0.2%	22%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
ROE	19.3% +3.9pp YoY +2.9pp QoQ	+6.7pp	12.6%	9.3%	11.6%	89%
Cost of Funds (YTD)	2.1% -0.2pp YoY 0.0pp QoQ	+0.2pp	1.9%	1.8%	1.7%	67%
Net Income ($, YTD)	$12.2M +48.7% YoY — QoQ	-$7.0M	$19.2M	$25.2M	$40.4M	49%

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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 (1)

Profitability Leader

growth

#110 of 222 • Top 49.1% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 1.95%

(Tier: 1.39%, National: 1.30%)

better than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | QoQ rank improving

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 885 peers in $1B-$10B

Top Strengths (6 metrics)

108

Net Interest Margin

profitability

Value: 4.52%

Peer Median: 3.87%

#108 of 885 Top 12.1% in $1B-$10B

122

Return on Assets

profitability

Value: 1.95%

Peer Median: 1.39%

#122 of 885 Top 13.7% in $1B-$10B

143

Efficiency Ratio

profitability

Value: 47.15%

Peer Median: 59.73%

#143 of 885 Top 16.0% in $1B-$10B

179

Delinquency Rate

credit_quality

Value: 0.18%

Peer Median: 0.87%

#179 of 882 Top 20.2% in $1B-$10B

199

Nonperforming Asset Ratio

credit_quality

Value: 0.16%

Peer Median: 0.67%

#199 of 885 Top 22.4% in $1B-$10B

215

Non-Interest-Bearing Deposit Share

funding

Value: 26.46%

Peer Median: 21.27%

#215 of 885 Top 24.2% in $1B-$10B

Top Weaknesses (2 metrics)

787

Tier 1 Capital Ratio

capital

Value: 10.54%

Peer Median: 14.84%

#787 of 885 Bottom 11.2% in $1B-$10B

712

Loan-to-Deposit Ratio

liquidity

Value: 97.86%

Peer Median: 85.04%

#712 of 885 Bottom 19.7% in $1B-$10B