BlastPoint's Banking Scorecard

Flagship Bank

$100M-$1B Specialty: Commercial FL FDIC cert 58113

Clearwater, FL

7 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 +11.5% year over year ($670.4M on the books).
Delinquency rate 0.02%.
Return on assets 0.96%.
Efficiency ratio 60.30% vs a 64.48% peer average.
Loan-to-deposit ratio 93.06% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 44 in FL

View $100M-$1B leaderboard (FL) →

Flagship Bank has 2 strengths but faces 3 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

+ Credit Quality Leader: Top 14.9% in tier
+ Efficiency Ratio 4.18% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 3.6% in tier
- ROA 0.36% below tier average
- Net Interest Margin 0.57% below tier average

Get updates when Flagship Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Total Assets ?	$802.8M +15.5% YoY +5.4% QoQ	+$416.2M	$386.6M +1.2% YoY	$4.3B +7.0% YoY	$6.3B +7.7% YoY	Top 8.0% in tier
Total Loans ?	$623.9M +12.4% YoY +7.7% QoQ	+$365.5M	$258.3M +1.7% YoY	$3.0B +8.2% YoY	$3.2B +9.4% YoY	Top 5.0% in tier
Total Deposits ?	$670.4M +11.5% YoY +1.4% QoQ	+$343.7M	$326.7M +0.7% YoY	$3.5B +7.0% YoY	$4.9B +7.3% YoY	Top 8.4% in tier
Return on Assets ?	0.96% +1.8% YoY +4.0% QoQ	-0.36%	1.32% +10.8% YoY	0.62% -8.3% YoY	1.30% +12.1% YoY	31%
Net Interest Margin ?	3.42% -2.9% YoY +1.4% QoQ	-0.57%	3.99% +5.0% YoY	3.70% +0.5% YoY	3.95% +4.9% YoY	24%
Efficiency Ratio ?	60.30% -2.2% YoY -6.3% QoQ	-4.18%	64.48% -3.2% YoY	199.20% +161.3% YoY	70.05% +2.5% YoY	56%
Delinquency Rate ?	0.02% -88.9% QoQ	-0.90%	0.92% +15.7% YoY	0.61% -2.0% YoY	0.98% +16.3% YoY	85%
Loan-to-Deposit Ratio ?	93.06% +0.8% YoY +6.1% QoQ	+15.11%	77.95% +1.0% YoY	72.91% -1.7% YoY	79.03% +2.3% YoY	20%
Non-Interest-Bearing Deposit Share ?	28.65% -10.2% YoY -0.8% QoQ	+6.62%	22.03% -0.6% YoY	27.35% -2.5% YoY	21.98% -0.6% YoY	78%
Nonperforming Asset Ratio ?	0.01% -88.6% QoQ	-0.66%	0.67% +16.4% YoY	0.42% -2.6% YoY	0.69% +15.8% YoY	Top 14.3% in tier
Tier 1 Capital Ratio ?	11.69% +0.2% YoY -2.2% QoQ	-4.22%	15.91% +1.4% YoY	19.50% +8.2% YoY	17.09% +0.8% YoY	32%
Non-Interest Income / Assets ?	0.08% -33.5% YoY +102.1% QoQ	-0.49%	0.57% +7.6% YoY	1.02% +6.4% YoY	0.66% +5.2% YoY	Bottom 12.0% in tier

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	28.6% -3.3pp YoY -0.2pp QoQ	+6.5pp	22.1%	27.7%	22.2%	78%
Brokered Deposits	5.2% -0.1pp QoQ	-2.6pp	7.9%	8.7%	8.5%	54%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
C&I	9.3% +0.7pp YoY -0.9pp QoQ	-2.2pp	11.6%	12.9%	12.5%	48%
CRE	77.8% +0.1pp YoY +2.1pp QoQ	+38.2pp	39.5%	50.6%	41.4%	96%
1-4 Family	13.2% -0.8pp YoY -1.0pp QoQ	-19.4pp	32.6%	30.7%	31.3%	16%
Consumer	0.4% -0.1pp YoY -0.1pp QoQ	-3.7pp	4.1%	3.7%	5.0%	13%

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	11.7% 0.0pp YoY -0.3pp QoQ	-0.5pp	12.2%	13.9%	12.6%	61%
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	75 -5 (-6.2%) YoY -3 (-3.8%) QoQ	+16	58	295	482	74%
Assets per Employee ($)	$10.7M +23.2% YoY +9.6% QoQ	+$3.2M	$7.5M	$10.3M	$8.8M	89%
Branch Count	7 0 YoY 0 QoQ	+2	4	13	18	75%

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%	22%
Nonaccrual	n/a	n/a	0.9%	0.7%	1.0%	n/a
Allowance Coverage	61.92x +786.4% QoQ	+37.77x	24.15x	16.62x	20.23x	95%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.2%	0.2%	49%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
ROE	7.7% +0.3pp YoY +0.4pp QoQ	-4.5pp	12.2%	9.3%	11.6%	24%
Cost of Funds (YTD)	1.9% -0.1pp YoY 0.0pp QoQ	+0.2pp	1.7%	1.8%	1.7%	66%
Net Income ($, YTD)	$3.7M +15.0% YoY — QoQ	+$1.1M	$2.6M	$25.2M	$40.4M	78%

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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)

Credit Quality Leader

growth

#99 of 659 • Top 14.9% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.02%

(Tier: 0.92%, National: 0.98%)

better than tier avg

659 of 659 Community banks match · 920 nationally

→ Stable +1 banks QoQ

Concerns (1)

Credit Quality Pressure

risk

#46 of 1256 • Bottom 3.6% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.02%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank improving

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 2643 peers in $100M-$1B

Top Strengths (6 metrics)

134

Total Loans

size

Value: $623.88M

Peer Median: $258.35M

#134 of 2643 Top 5.0% in $100M-$1B

212

Total Assets

size

Value: $802.81M

Peer Median: $386.57M

#212 of 2643 Top 8.0% in $100M-$1B

223

Total Deposits

size

Value: $670.39M

Peer Median: $326.73M

#223 of 2643 Top 8.4% in $100M-$1B

379

Nonperforming Asset Ratio

credit_quality

Value: 0.01%

Peer Median: 0.67%

#379 of 2643 Top 14.3% in $100M-$1B

406

Delinquency Rate

credit_quality

Value: 0.02%

Peer Median: 0.92%

#406 of 2633 Top 15.4% in $100M-$1B

582

Non-Interest-Bearing Deposit Share

funding

Value: 28.65%

Peer Median: 22.03%

#582 of 2643 Top 22.0% in $100M-$1B

Top Weaknesses (3 metrics)

2326

Non-Interest Income / Assets

revenue_mix

Value: 0.08%

Peer Median: 0.57%

#2326 of 2643 Bottom 12.0% in $100M-$1B

2110

Loan-to-Deposit Ratio

liquidity

Value: 93.06%

Peer Median: 77.95%

#2110 of 2643 Bottom 20.2% in $100M-$1B

2008

Net Interest Margin

profitability

Value: 3.42%

Peer Median: 3.99%

#2008 of 2643 Bottom 24.1% in $100M-$1B