BlastPoint's Banking Scorecard
Mainstreet Community Bank of Florida
Deland, FL
9 branches across FL
Mainstreet Community Bank of Florida has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 2.44% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.37% below tier average
- - Net Interest Margin 0.23% below tier average
- - Delinquency Rate 0.49% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$948.0M
+9.7% YoY
+4.0% QoQ
|
+$561.9M |
$386.1M
+0.5% YoY
|
$4.3B
+10.8% YoY
|
$6.2B
+9.1% YoY
|
Top 1.7% in tier |
| Total Loans ? |
$685.8M
+12.9% YoY
+3.1% QoQ
|
+$430.1M |
$255.7M
+1.1% YoY
|
$3.0B
+12.4% YoY
|
$3.2B
+10.8% YoY
|
Top 2.8% in tier |
| Total Deposits ? |
$859.6M
+8.9% YoY
+4.1% QoQ
|
+$531.6M |
$328.0M
+0.1% YoY
|
$3.6B
+11.7% YoY
|
$4.8B
+8.2% YoY
|
Top 0.5% in tier |
| Return on Assets ? |
0.90%
+4.6% YoY
+13.2% QoQ
|
-0.37% |
1.27%
+12.9% YoY
|
0.83%
+61.5% YoY
|
1.23%
+13.4% YoY
|
32% |
| Net Interest Margin ? |
3.70%
+5.7% YoY
+3.2% QoQ
|
-0.23% |
3.93%
+6.0% YoY
|
3.75%
+4.2% YoY
|
3.89%
+5.7% YoY
|
41% |
| Efficiency Ratio ? |
62.85%
-8.5% YoY
-5.2% QoQ
|
-2.44% |
65.29%
-4.5% YoY
|
71.93%
-25.2% YoY
|
66.95%
-4.1% YoY
|
51% |
| Delinquency Rate ? |
1.38%
+30.2% YoY
-4.2% QoQ
|
+0.49% |
0.89%
+18.8% YoY
|
0.63%
-5.7% YoY
|
0.95%
+18.8% YoY
|
21% |
| Loan-to-Deposit Ratio ? |
79.78%
+3.7% YoY
-0.9% QoQ
|
+3.14% |
76.64%
+0.8% YoY
|
73.79%
+1.2% YoY
|
76.70%
+0.9% YoY
|
47% |
| Non-Interest-Bearing Deposit Share ? |
27.74%
-12.6% YoY
-1.2% QoQ
|
+5.72% |
22.02%
-1.0% YoY
|
27.22%
-2.5% YoY
|
22.01%
-1.2% YoY
|
76% |
| Nonperforming Asset Ratio ? |
1.27%
+71.4% YoY
-4.8% QoQ
|
+0.64% |
0.64%
+19.7% YoY
|
0.43%
-5.1% YoY
|
0.67%
+19.3% YoY
|
Bottom 14.5% in tier |
| Tier 1 Capital Ratio ? |
9.35%
+2.9% YoY
+2.7% QoQ
|
-6.48% |
15.83%
+1.5% YoY
|
16.64%
-24.7% YoY
|
17.06%
+0.8% YoY
|
Bottom 2.9% in tier |
| Non-Interest Income / Assets ? |
0.13%
-26.3% YoY
-76.7% QoQ
|
-0.15% |
0.28%
+9.3% YoY
|
0.50%
+7.6% YoY
|
0.32%
+4.1% YoY
|
67% |
Get Full Access to Mainstreet Community Bank of Florida
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.