BlastPoint's Banking Scorecard

The First National Bank of Mount Dora

$100M-$1B Specialty: Other FL FDIC cert 3579

Mount Dora, FL

3 branches across FL

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

The First National Bank of Mount Dora has 3 strengths but faces 5 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

+ Revenue Diversifier: Top 15.8% in tier
+ Non-Interest-Bearing Deposit Share 23.53% above tier average
+ Delinquency Rate 0.30% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 27.2% in tier
- Efficiency Drag: Bottom 40.6% in tier
- Credit Quality Pressure: Bottom 40.9% in tier
- ROA 0.41% below tier average
- Net Interest Margin 0.79% below 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 ?	$354.9M -4.0% YoY -1.9% QoQ	-$31.2M	$386.1M +0.5% YoY	$4.3B +10.8% YoY	$6.2B +9.1% YoY	55%
Total Loans ?	$134.8M +5.2% YoY +2.1% QoQ	-$120.9M	$255.7M +1.1% YoY	$3.0B +12.4% YoY	$3.2B +10.8% YoY	31%
Total Deposits ?	$315.7M -5.5% YoY -1.9% QoQ	-$12.3M	$328.0M +0.1% YoY	$3.6B +11.7% YoY	$4.8B +8.2% YoY	57%
Return on Assets ?	0.86% +38.2% YoY +57.6% QoQ	-0.41%	1.27% +12.9% YoY	0.83% +61.5% YoY	1.23% +13.4% YoY	29%
Net Interest Margin ?	3.14% +14.8% YoY +8.7% QoQ	-0.79%	3.93% +6.0% YoY	3.75% +4.2% YoY	3.89% +5.7% YoY	16%
Efficiency Ratio ?	80.51% -6.5% YoY -7.4% QoQ	+15.22%	65.29% -4.5% YoY	71.93% -25.2% YoY	66.95% -4.1% YoY	Bottom 14.9% in tier
Delinquency Rate ?	0.58% +68.1% YoY +5.4% QoQ	-0.30%	0.89% +18.8% YoY	0.63% -5.7% YoY	0.95% +18.8% YoY	41%
Loan-to-Deposit Ratio ?	42.70% +11.3% YoY +4.0% QoQ	-33.94%	76.64% +0.8% YoY	73.79% +1.2% YoY	76.70% +0.9% YoY	Top 5.2% in tier
Non-Interest-Bearing Deposit Share ?	45.55% +9.0% YoY -2.2% QoQ	+23.53%	22.02% -1.0% YoY	27.22% -2.5% YoY	22.01% -1.2% YoY	Top 2.6% in tier
Nonperforming Asset Ratio ?	0.22% +84.3% YoY +9.6% QoQ	-0.42%	0.64% +19.7% YoY	0.43% -5.1% YoY	0.67% +19.3% YoY	57%
Tier 1 Capital Ratio ?	17.80% +3.0% YoY +51.9% QoQ	+1.97%	15.83% +1.5% YoY	16.64% -24.7% YoY	17.06% +0.8% YoY	80%
Non-Interest Income / Assets ?	0.68% +13.3% YoY -73.0% QoQ	+0.40%	0.28% +9.3% YoY	0.50% +7.6% YoY	0.32% +4.1% YoY	Top 2.6% 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 (1)

Revenue Diversifier

growth

#106 of 666 • Top 15.8% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.68%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: 0.86%

(Tier: 1.27%, National: 1.23%)

but worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (3)

Credit Risk Growth

risk

#266 of 973 • Bottom 27.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank improving

Efficiency Drag

risk

#169 of 414 • Bottom 40.6% in tier

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

Why this signature

Efficiency Ratio: 80.51%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable | QoQ rank declining

Credit Quality Pressure

risk

#536 of 1308 • Bottom 40.9% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.58%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 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 2664 peers in $100M-$1B

Top Strengths (4 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 0.68%

Peer Median: 0.28%

#70 of 2664 Top 2.6% in $100M-$1B

Non-Interest-Bearing Deposit Share

funding

Value: 45.55%

Peer Median: 22.02%

#71 of 2664 Top 2.6% in $100M-$1B

140

Loan-to-Deposit Ratio

liquidity

Value: 42.70%

Peer Median: 76.64%

#140 of 2664 Top 5.2% in $100M-$1B

521

Tier 1 Capital Ratio

capital

Value: 17.80%

Peer Median: 15.83%

#521 of 2664 Top 19.5% in $100M-$1B

Top Weaknesses (2 metrics)

2269

Efficiency Ratio

profitability

Value: 80.51%

Peer Median: 65.29%

#2269 of 2664 Bottom 14.9% in $100M-$1B

2247

Net Interest Margin

profitability

Value: 3.14%

Peer Median: 3.93%

#2247 of 2664 Bottom 15.7% in $100M-$1B