BlastPoint's Banking Scorecard
Mainstreet Community Bank of Florida
Deland, FL
9 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 44 in FL.
- Deposits +6.7% year over year ($863.2M on the books).
- Delinquency rate 1.29%.
- Return on assets 1.06%.
- Efficiency ratio 61.92% vs a 64.48% peer average.
- Loan-to-deposit ratio 83.84% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Mainstreet Community Bank of Florida has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 2.56% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.26% below tier average
- - Net Interest Margin 0.17% below tier average
- - Delinquency Rate 0.37% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$953.4M
+7.7% YoY
+0.6% QoQ
|
+$566.8M |
$386.6M
+1.2% YoY
|
$4.3B
+7.0% YoY
|
$6.3B
+7.7% YoY
|
Top 1.5% in tier |
| Total Loans ? |
$723.8M
+19.2% YoY
+5.5% QoQ
|
+$465.4M |
$258.3M
+1.7% YoY
|
$3.0B
+8.2% YoY
|
$3.2B
+9.4% YoY
|
Top 1.7% in tier |
| Total Deposits ? |
$863.2M
+6.7% YoY
+0.4% QoQ
|
+$536.5M |
$326.7M
+0.7% YoY
|
$3.5B
+7.0% YoY
|
$4.9B
+7.3% YoY
|
Top 0.3% in tier |
| Return on Assets ? |
1.06%
+72.0% YoY
+17.8% QoQ
|
-0.26% |
1.32%
+10.8% YoY
|
0.62%
-8.3% YoY
|
1.30%
+12.1% YoY
|
38% |
| Net Interest Margin ? |
3.81%
+7.2% YoY
+3.0% QoQ
|
-0.17% |
3.99%
+5.0% YoY
|
3.70%
+0.5% YoY
|
3.95%
+4.9% YoY
|
43% |
| Efficiency Ratio ? |
61.92%
-7.7% YoY
-1.5% QoQ
|
-2.56% |
64.48%
-3.2% YoY
|
199.20%
+161.3% YoY
|
70.05%
+2.5% YoY
|
51% |
| Delinquency Rate ? |
1.29%
-3.0% YoY
-6.5% QoQ
|
+0.37% |
0.92%
+15.7% YoY
|
0.61%
-2.0% YoY
|
0.98%
+16.3% YoY
|
22% |
| Loan-to-Deposit Ratio ? |
83.84%
+11.8% YoY
+5.1% QoQ
|
+5.89% |
77.95%
+1.0% YoY
|
72.91%
-1.7% YoY
|
79.03%
+2.3% YoY
|
41% |
| Non-Interest-Bearing Deposit Share ? |
27.35%
-11.7% YoY
-1.4% QoQ
|
+5.32% |
22.03%
-0.6% YoY
|
27.35%
-2.5% YoY
|
21.98%
-0.6% YoY
|
74% |
| Nonperforming Asset Ratio ? |
1.25%
+37.7% YoY
-1.6% QoQ
|
+0.59% |
0.67%
+16.4% YoY
|
0.42%
-2.6% YoY
|
0.69%
+15.8% YoY
|
16% |
| Tier 1 Capital Ratio ? |
9.45%
+5.9% YoY
+1.0% QoQ
|
-6.46% |
15.91%
+1.4% YoY
|
19.50%
+8.2% YoY
|
17.09%
+0.8% YoY
|
Bottom 4.4% in tier |
| Non-Interest Income / Assets ? |
0.26%
-14.2% YoY
+100.2% QoQ
|
-0.31% |
0.57%
+7.6% YoY
|
1.02%
+6.4% YoY
|
0.66%
+5.2% YoY
|
65% |
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 |
27.3%
-3.6pp YoY -0.4pp QoQ |
+5.2pp | 22.1% | 27.7% | 22.2% | 74% |
| Brokered Deposits |
0.4%
0.0pp YoY 0.0pp QoQ |
-7.5pp | 7.9% | 8.7% | 8.5% | 10% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
13.7%
-4.3pp YoY -0.8pp QoQ |
+2.1pp | 11.6% | 12.9% | 12.5% | 71% |
| CRE |
66.2%
+7.0pp YoY +2.5pp QoQ |
+26.6pp | 39.5% | 50.6% | 41.4% | 90% |
| 1-4 Family |
19.6%
-1.7pp YoY -1.5pp QoQ |
-13.0pp | 32.6% | 30.7% | 31.3% | 29% |
| Consumer |
0.4%
-0.2pp YoY -0.1pp QoQ |
-3.7pp | 4.1% | 3.7% | 5.0% | 14% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 19.8% | 19.7% | n/a |
| Leverage Ratio |
9.4%
+0.5pp YoY +0.1pp QoQ |
-2.7pp | 12.2% | 13.9% | 12.6% | 20% |
| Total Capital Ratio | n/a | n/a | 19.9% | 21.1% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
108
+5 (+4.9%) YoY +1 (+0.9%) QoQ |
+49 | 58 | 295 | 482 | 89% |
| Assets per Employee ($) |
$8.8M
+2.7% YoY -0.4% QoQ |
+$1.3M | $7.5M | $10.3M | $8.8M | 78% |
| Branch Count |
9
0 YoY 0 QoQ |
+4 | 4 | 13 | 18 | 86% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | 0.0% | -0.3pp | 0.3% | 0.3% | 0.4% | 0% |
| Nonaccrual |
1.3%
0.0pp YoY -0.1pp QoQ |
+0.4pp | 0.9% | 0.7% | 1.0% | 78% |
| Allowance Coverage |
0.96x
+2.0% YoY +2.3% QoQ |
-23.20x | 24.15x | 16.62x | 20.23x | 26% |
| Net Charge-off Rate (YTD) |
-0.0%
-0.7pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.2% | 0.2% | 14% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.3%
+4.4pp YoY +1.8pp QoQ |
+0.1pp | 12.2% | 9.3% | 11.6% | 51% |
| Cost of Funds (YTD) |
1.7%
0.0pp YoY 0.0pp QoQ |
0.0pp | 1.7% | 1.8% | 1.7% | 52% |
| Net Income ($, YTD) |
$5.0M
+87.4% YoY — QoQ |
+$2.4M | $2.6M | $25.2M | $40.4M | 87% |
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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.