BlastPoint's Banking Scorecard

Paradise Bank

$100M-$1B Specialty: Commercial FL FDIC cert 58030

Boca Raton, FL

3 branches across FL

2664 banks in the $100M-$1B peer group nationally 43 in FL

Paradise Bank has 4 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Deposit Franchise: Top 42.3% in tier
+ ROA 0.71% above tier average
+ Efficiency Ratio 4.69% below tier average
+ Delinquency Rate 0.79% below tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 32.8% in tier
- Cost Spiral: Bottom 54.0% in tier

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Total Assets ?	$444.9M -0.5% YoY +2.3% QoQ	+$58.8M	$386.1M +0.5% YoY	$4.3B +10.8% YoY	$6.2B +9.1% YoY	67%
Total Loans ?	$298.8M -7.1% YoY -3.1% QoQ	+$43.1M	$255.7M +1.1% YoY	$3.0B +12.4% YoY	$3.2B +10.8% YoY	68%
Total Deposits ?	$413.1M +1.8% YoY +3.1% QoQ	+$85.1M	$328.0M +0.1% YoY	$3.6B +11.7% YoY	$4.8B +8.2% YoY	71%
Return on Assets ?	1.98% -30.7% YoY -22.1% QoQ	+0.71%	1.27% +12.9% YoY	0.83% +61.5% YoY	1.23% +13.4% YoY	Top 13.0% in tier
Net Interest Margin ?	4.89% -9.8% YoY -9.0% QoQ	+0.96%	3.93% +6.0% YoY	3.75% +4.2% YoY	3.89% +5.7% YoY	Top 9.0% in tier
Efficiency Ratio ?	60.60% +17.2% YoY +8.1% QoQ	-4.69%	65.29% -4.5% YoY	71.93% -25.2% YoY	66.95% -4.1% YoY	58%
Delinquency Rate ?	0.09% -72.3% YoY -65.4% QoQ	-0.79%	0.89% +18.8% YoY	0.63% -5.7% YoY	0.95% +18.8% YoY	75%
Loan-to-Deposit Ratio ?	72.35% -8.7% YoY -6.0% QoQ	-4.29%	76.64% +0.8% YoY	73.79% +1.2% YoY	76.70% +0.9% YoY	63%
Non-Interest-Bearing Deposit Share ?	35.00% +14.4% YoY +12.9% QoQ	+12.98%	22.02% -1.0% YoY	27.22% -2.5% YoY	22.01% -1.2% YoY	Top 9.8% in tier
Nonperforming Asset Ratio ?	0.06% -74.2% YoY -67.2% QoQ	-0.58%	0.64% +19.7% YoY	0.43% -5.1% YoY	0.67% +19.3% YoY	76%
Tier 1 Capital Ratio ?	12.12% +5.2% YoY -2.0% QoQ	-3.71%	15.83% +1.5% YoY	16.64% -24.7% YoY	17.06% +0.8% YoY	37%
Non-Interest Income / Assets ?	0.15% -35.3% YoY -85.2% QoQ	-0.13%	0.28% +9.3% YoY	0.50% +7.6% YoY	0.32% +4.1% YoY	75%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Deposit Franchise

growth

#116 of 272 • Top 42.3% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 35.00%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 4.89%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank declining

Concerns (2)

Margin Compression

decline

#101 of 305 • Bottom 32.8% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.98%

(Tier: 1.27%, National: 1.23%)

better than tier avg

305 of 305 Community banks match · 407 nationally

↑ Growing +94 banks QoQ | QoQ rank improving

Cost Spiral

risk

#69 of 126 • Bottom 54.0% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature

Efficiency Ratio: 60.60%

(Tier: 65.29%, National: 66.95%)

better than tier avg

126 of 126 Community banks match · 176 nationally

↑ Growing +82 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (4 metrics)

241

Net Interest Margin

profitability

Value: 4.89%

Peer Median: 3.93%

#241 of 2664 Top 9.0% in $100M-$1B

263

Non-Interest-Bearing Deposit Share

funding

Value: 35.00%

Peer Median: 22.02%

#263 of 2664 Top 9.8% in $100M-$1B

346

Return on Assets

profitability

Value: 1.98%

Peer Median: 1.27%

#346 of 2664 Top 13.0% in $100M-$1B

652

Nonperforming Asset Ratio

credit_quality

Value: 0.06%

Peer Median: 0.64%

#652 of 2664 Top 24.4% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available