BlastPoint's Banking Scorecard
Members Trust Company
Tampa, FL
4 branches across CO · FL · TX · VA
Non-lending institution — comparison caveats apply
Members Trust Company is a trust company, wealth-management entity, or similar non-lending FDIC institution. Loan-based ratios (Loan-to-Deposit, Delinquency Rate, Non-Performing Asset Ratio, Non-Interest-Bearing Deposit Share) and capital ratios are mathematically valid but not directly comparable to traditional banks. This bank is excluded from the Signature Analysis leaderboards for the same reason.
Members Trust Company has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Nonperforming Asset Ratio 0.77% below tier average
- + Non-Interest Income / Assets 23.39% above tier average
Key Concerns
Areas that may need attention
- - Return on Assets 1.70% below tier average
- - Non-Interest-Bearing Deposit Share 23.79% below tier average
- - Efficiency Ratio 13.15% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$34.6M
-4.8% YoY
+0.3% QoQ
|
-$27.7M |
$62.3M
-0.5% YoY
|
$4.3B
+10.8% YoY
|
$6.2B
+9.0% YoY
|
15% |
| Total Loans ? | $0 | -$34.3M |
$34.3M
-1.5% YoY
|
$3.0B
+12.4% YoY
|
$3.2B
+10.7% YoY
|
Bottom 3.7% in tier |
| Total Deposits ? |
$500K
0% YoY
0% QoQ
|
-$51.3M |
$51.8M
-0.6% YoY
|
$3.6B
+11.7% YoY
|
$4.8B
+8.0% YoY
|
Bottom 2.2% in tier |
| Return on Assets ? |
-0.84%
+88.5% YoY
+86.3% QoQ
|
-1.70% |
0.86%
-3.6% YoY
|
0.83%
+61.5% YoY
|
1.24%
+13.1% YoY
|
Bottom 8.2% in tier |
| Net Interest Margin ? |
3.91%
-10.9% YoY
-7.3% QoQ
|
+0.04% |
3.87%
+2.7% YoY
|
3.75%
+4.2% YoY
|
3.89%
+5.7% YoY
|
54% |
| Efficiency Ratio ? |
100.78%
-7.4% YoY
-7.6% QoQ
|
+13.15% |
87.63%
+2.3% YoY
|
71.93%
-25.2% YoY
|
66.84%
-3.8% YoY
|
Bottom 13.0% in tier |
| Delinquency Rate ? | - | - |
1.36%
+33.7% YoY
|
0.63%
-5.7% YoY
|
0.95%
+18.8% YoY
|
- |
| Loan-to-Deposit Ratio ? | 0.00% | -64.11% |
64.11%
-0.9% YoY
|
73.79%
+1.2% YoY
|
76.69%
+0.9% YoY
|
Top 0.1% in tier |
| Non-Interest-Bearing Deposit Share ? | 0.00% | -23.79% |
23.79%
+0.5% YoY
|
27.22%
-2.5% YoY
|
22.01%
-1.1% YoY
|
Bottom 4.7% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.77% |
0.77%
+28.7% YoY
|
0.43%
-5.1% YoY
|
0.66%
+19.3% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
90.56%
+6.0% YoY
+4.8% QoQ
|
+63.78% |
26.77%
+2.0% YoY
|
16.64%
-24.7% YoY
|
17.06%
+0.8% YoY
|
Top 4.1% in tier |
| Non-Interest Income / Assets ? |
24.06%
+18.1% YoY
-72.8% QoQ
|
+23.39% |
0.67%
+1.6% YoY
|
0.50%
+7.6% YoY
|
0.32%
+4.0% YoY
|
Top 0.9% in tier |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.