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 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Nonperforming Asset Ratio 0.84% below tier average
- + Non-Interest Income / Assets 46.95% above tier average
- + Efficiency Ratio 18.39% below tier average
Key Concerns
Areas that may need attention
- - Return on Assets 2.07% below tier average
- - Non-Interest-Bearing Deposit Share 23.49% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$34.3M
-6.2% YoY
-1.0% QoQ
|
-$28.2M |
$62.4M
-0.0% YoY
|
$4.3B
+7.0% YoY
|
$6.3B
+7.7% YoY
|
Bottom 14.7% in tier |
| Total Loans ? | $0 | -$34.9M |
$34.9M
-0.6% YoY
|
$3.0B
+8.2% YoY
|
$3.2B
+9.4% YoY
|
Bottom 3.5% in tier |
| Total Deposits ? |
$500K
0% YoY
0% QoQ
|
-$51.1M |
$51.6M
-0.2% YoY
|
$3.5B
+7.0% YoY
|
$4.9B
+7.3% YoY
|
Bottom 2.2% in tier |
| Return on Assets ? |
-1.07%
+83.7% YoY
-27.1% QoQ
|
-2.07% |
1.00%
+3.5% YoY
|
0.62%
-8.3% YoY
|
1.30%
+12.1% YoY
|
Bottom 6.2% in tier |
| Net Interest Margin ? |
3.86%
-9.3% YoY
-1.1% QoQ
|
-0.05% |
3.91%
+2.3% YoY
|
3.70%
+0.5% YoY
|
3.95%
+4.9% YoY
|
49% |
| Efficiency Ratio ? |
101.01%
-6.3% YoY
+0.2% QoQ
|
-18.39% |
119.40%
+49.6% YoY
|
199.20%
+161.3% YoY
|
70.05%
+2.5% YoY
|
Bottom 11.8% in tier |
| Delinquency Rate ? | - | - |
1.48%
+31.8% YoY
|
0.61%
-2.0% YoY
|
0.98%
+16.3% YoY
|
- |
| Loan-to-Deposit Ratio ? | 0.00% | -74.21% |
74.21%
+12.6% YoY
|
72.91%
-1.7% YoY
|
79.03%
+2.3% YoY
|
Top 0.1% in tier |
| Non-Interest-Bearing Deposit Share ? | 0.00% | -23.49% |
23.49%
+0.6% YoY
|
27.35%
-2.5% YoY
|
21.98%
-0.6% YoY
|
Bottom 4.7% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.84% |
0.84%
+23.0% YoY
|
0.42%
-2.6% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
91.41%
+5.3% YoY
+0.9% QoQ
|
+64.29% |
27.13%
+3.0% YoY
|
19.50%
+8.2% YoY
|
17.09%
+0.8% YoY
|
Top 4.7% in tier |
| Non-Interest Income / Assets ? |
48.33%
+18.0% YoY
+100.9% QoQ
|
+46.95% |
1.38%
+6.3% YoY
|
1.02%
+6.4% YoY
|
0.66%
+5.2% YoY
|
Top 0.9% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 | n/a | n/a | 24.6% | 27.7% | 22.2% | n/a |
| Brokered Deposits | n/a | n/a | 9.8% | 8.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I | n/a | n/a | 13.4% | 12.9% | 12.5% | n/a |
| CRE | n/a | n/a | 25.2% | 50.6% | 41.4% | n/a |
| 1-4 Family | n/a | n/a | 35.0% | 30.7% | 31.3% | n/a |
| Consumer | n/a | n/a | 7.7% | 3.7% | 5.0% | n/a |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 19.8% | 19.7% | n/a |
| Leverage Ratio |
91.4%
+4.6pp YoY +0.9pp QoQ |
+73.7pp | 17.7% | 13.9% | 12.6% | 98% |
| Total Capital Ratio | n/a | n/a | 39.7% | 21.1% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
55
-3 (-5.2%) YoY -2 (-3.5%) QoQ |
+43 | 12 | 295 | 482 | 99% |
| Assets per Employee ($) |
$622,964
-1.0% YoY +2.6% QoQ |
-$5.6M | $6.2M | $10.3M | $8.8M | 1% |
| Branch Count |
4
0 YoY 0 QoQ |
+2 | 1 | 13 | 18 | 96% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.3% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 1.7% | 0.7% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 6.41x | 16.62x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.2% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
-1.3%
+6.7pp YoY -0.3pp QoQ |
-7.7pp | 6.4% | 9.3% | 11.6% | 11% |
| Cost of Funds (YTD) |
0.1%
0.0pp YoY 0.0pp QoQ |
-1.4pp | 1.4% | 1.8% | 1.7% | 2% |
| Net Income ($, YTD) |
$-185000.0
+84.8% YoY — QoQ |
-$503K | $317,817 | $25.2M | $40.4M | 7% |
Get Full Access to Members Trust Company
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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.