BlastPoint's Banking Scorecard
Banesco USA
Designations: ✓ Minority Depository Institution
Miami, FL
6 branches across FL · PR
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 885 banks in the $1B-$10B peer group nationwide — 1 of 24 in FL.
- Deposits +20.5% year over year ($5.2B on the books).
- Delinquency rate 0.50%.
- Return on assets 1.47%.
- Efficiency ratio 53.87% vs a 59.73% peer average.
- Loan-to-deposit ratio 75.95% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Banesco USA has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 17.44% above tier average
- + ROA 0.08% above tier average
- + Efficiency Ratio 5.86% below tier average
- + Delinquency Rate 0.37% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.35% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$6.0B
+14.7% YoY
+3.6% QoQ
|
+$3.2B |
$2.8B
-0.6% YoY
|
$4.3B
+7.0% YoY
|
$6.3B
+7.7% YoY
|
Top 10.1% in tier |
| Total Loans ? |
$3.9B
+8.5% YoY
-2.7% QoQ
|
+$2.0B |
$2.0B
-0.3% YoY
|
$3.0B
+8.2% YoY
|
$3.2B
+9.4% YoY
|
Top 12.2% in tier |
| Total Deposits ? |
$5.2B
+20.5% YoY
+7.1% QoQ
|
+$2.8B |
$2.3B
-0.5% YoY
|
$3.5B
+7.0% YoY
|
$4.9B
+7.3% YoY
|
Top 9.5% in tier |
| Return on Assets ? |
1.47%
+24.4% YoY
+14.1% QoQ
|
+0.08% |
1.39%
+17.0% YoY
|
0.62%
-8.3% YoY
|
1.30%
+12.1% YoY
|
68% |
| Net Interest Margin ? |
3.52%
+7.7% YoY
+2.3% QoQ
|
-0.35% |
3.87%
+6.2% YoY
|
3.70%
+0.5% YoY
|
3.95%
+4.9% YoY
|
38% |
| Efficiency Ratio ? |
53.87%
-4.9% YoY
-2.8% QoQ
|
-5.86% |
59.73%
-12.6% YoY
|
199.20%
+161.3% YoY
|
70.05%
+2.5% YoY
|
66% |
| Delinquency Rate ? |
0.50%
-32.7% YoY
-7.5% QoQ
|
-0.37% |
0.87%
+11.7% YoY
|
0.61%
-2.0% YoY
|
0.98%
+16.3% YoY
|
52% |
| Loan-to-Deposit Ratio ? |
75.95%
-9.9% YoY
-9.1% QoQ
|
-9.08% |
85.04%
-0.1% YoY
|
72.91%
-1.7% YoY
|
79.03%
+2.3% YoY
|
75% |
| Non-Interest-Bearing Deposit Share ? |
38.72%
+18.7% YoY
+6.9% QoQ
|
+17.44% |
21.27%
-1.5% YoY
|
27.35%
-2.5% YoY
|
21.98%
-0.6% YoY
|
Top 5.3% in tier |
| Nonperforming Asset Ratio ? |
0.33%
-36.3% YoY
-13.1% QoQ
|
-0.35% |
0.67%
+11.7% YoY
|
0.42%
-2.6% YoY
|
0.69%
+15.8% YoY
|
59% |
| Tier 1 Capital Ratio ? |
11.46%
-4.5% YoY
+1.1% QoQ
|
-3.38% |
14.84%
-0.4% YoY
|
19.50%
+8.2% YoY
|
17.09%
+0.8% YoY
|
25% |
| Non-Interest Income / Assets ? |
0.37%
+57.7% YoY
+122.7% QoQ
|
-0.16% |
0.53%
+2.5% YoY
|
1.02%
+6.4% YoY
|
0.66%
+5.2% YoY
|
66% |
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 |
38.7%
+6.1pp YoY +2.5pp QoQ |
+17.3pp | 21.4% | 27.7% | 22.2% | 95% |
| Brokered Deposits |
4.3%
-1.6pp YoY +0.9pp QoQ |
-5.2pp | 9.5% | 8.7% | 8.5% | 44% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
19.9%
+1.4pp YoY +0.7pp QoQ |
+5.9pp | 14.0% | 12.9% | 12.5% | 80% |
| CRE |
45.4%
-1.1pp YoY -1.2pp QoQ |
-4.6pp | 50.0% | 50.6% | 41.4% | 37% |
| 1-4 Family |
16.3%
-2.0pp YoY 0.0pp QoQ |
-10.1pp | 26.4% | 30.7% | 31.3% | 34% |
| Consumer |
0.0%
0.0pp YoY 0.0pp QoQ |
-4.7pp | 4.7% | 3.7% | 5.0% | 2% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 15.6% | 19.8% | 19.7% | n/a |
| Leverage Ratio |
11.5%
-0.5pp YoY +0.1pp QoQ |
+0.1pp | 11.3% | 13.9% | 12.6% | 69% |
| Total Capital Ratio | n/a | n/a | 16.7% | 21.1% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
500
+106 (+26.9%) YoY +35 (+7.5%) QoQ |
+186 | 313 | 295 | 482 | 84% |
| Assets per Employee ($) |
$12.0M
-9.6% YoY -3.7% QoQ |
+$1.5M | $10.5M | $10.3M | $8.8M | 77% |
| Branch Count |
5
0 YoY 0 QoQ |
-15 | 20 | 13 | 18 | 12% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.3% | 0.4% | n/a |
| Nonaccrual |
0.5%
-0.2pp YoY 0.0pp QoQ |
-0.3pp | 0.8% | 0.7% | 1.0% | 49% |
| Allowance Coverage |
1.93x
+29.3% YoY -0.3% QoQ |
-16.78x | 18.71x | 16.62x | 20.23x | 47% |
| Net Charge-off Rate (YTD) |
0.1%
+0.1pp YoY +0.1pp QoQ |
-0.2pp | 0.3% | 0.2% | 0.2% | 68% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.9%
+3.4pp YoY +1.8pp QoQ |
+1.3pp | 12.6% | 9.3% | 11.6% | 65% |
| Cost of Funds (YTD) |
2.0%
-0.4pp YoY -0.1pp QoQ |
+0.1pp | 1.9% | 1.8% | 1.7% | 61% |
| Net Income ($, YTD) |
$42.1M
+49.2% YoY — QoQ |
+$22.9M | $19.2M | $25.2M | $40.4M | 90% |
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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.