BlastPoint's Banking Scorecard

BankFlorida

$100M-$1B Specialty: Commercial FL FDIC cert 58537

Dade City, FL

6 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 +11.2% year over year ($388.9M on the books).
Delinquency rate 0.00%.
Return on assets 1.25%.
Efficiency ratio 54.76% vs a 64.48% peer average.
Loan-to-deposit ratio 87.76% 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) →

BankFlorida has 4 strengths but faces 1 concern

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 49.8% in tier
+ Nonperforming Asset Ratio 0.67% below tier average
+ Net Interest Margin 0.15% above tier average
+ Efficiency Ratio 9.72% below tier average

Key Concerns

Areas that may need attention

- ROA 0.07% below tier average

Get updates when BankFlorida releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Total Assets ?	$459.5M +12.7% YoY +4.7% QoQ	+$72.9M	$386.6M +1.2% YoY	$4.3B +7.0% YoY	$6.3B +7.7% YoY	68%
Total Loans ?	$341.3M +15.5% YoY +1.3% QoQ	+$82.9M	$258.3M +1.7% YoY	$3.0B +8.2% YoY	$3.2B +9.4% YoY	73%
Total Deposits ?	$388.9M +11.2% YoY +6.0% QoQ	+$62.1M	$326.7M +0.7% YoY	$3.5B +7.0% YoY	$4.9B +7.3% YoY	68%
Return on Assets ?	1.25% +102.7% YoY -1.0% QoQ	-0.07%	1.32% +10.8% YoY	0.62% -8.3% YoY	1.30% +12.1% YoY	50%
Net Interest Margin ?	4.14% +16.2% YoY -0.5% QoQ	+0.15%	3.99% +5.0% YoY	3.70% +0.5% YoY	3.95% +4.9% YoY	62%
Efficiency Ratio ?	54.76% -24.0% YoY -2.2% QoQ	-9.72%	64.48% -3.2% YoY	199.20% +161.3% YoY	70.05% +2.5% YoY	72%
Delinquency Rate ?	0.00%	-0.92%	0.92% +15.7% YoY	0.61% -2.0% YoY	0.98% +16.3% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	87.76% +3.8% YoY -4.5% QoQ	+9.81%	77.95% +1.0% YoY	72.91% -1.7% YoY	79.03% +2.3% YoY	31%
Non-Interest-Bearing Deposit Share ?	23.23% -13.6% YoY -2.1% QoQ	+1.20%	22.03% -0.6% YoY	27.35% -2.5% YoY	21.98% -0.6% YoY	60%
Nonperforming Asset Ratio ?	0.00%	-0.67%	0.67% +16.4% YoY	0.42% -2.6% YoY	0.69% +15.8% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	14.29% +25.5% YoY -1.8% QoQ	-1.62%	15.91% +1.4% YoY	19.50% +8.2% YoY	17.09% +0.8% YoY	60%
Non-Interest Income / Assets ?	0.07% +19.1% YoY +83.8% QoQ	-0.49%	0.57% +7.6% YoY	1.02% +6.4% YoY	0.66% +5.2% YoY	Bottom 10.7% 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	23.2% -3.6pp YoY -0.5pp QoQ	+1.1pp	22.1%	27.7%	22.2%	60%
Brokered Deposits	0.0% 0.0pp YoY 0.0pp QoQ	-7.9pp	7.9%	8.7%	8.5%	4%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
C&I	11.1% -1.0pp YoY -0.1pp QoQ	-0.4pp	11.6%	12.9%	12.5%	59%
CRE	75.8% +2.7pp YoY +0.3pp QoQ	+36.3pp	39.5%	50.6%	41.4%	96%
1-4 Family	12.4% -1.4pp YoY -0.1pp QoQ	-20.3pp	32.6%	30.7%	31.3%	14%
Consumer	n/a	n/a	4.1%	3.7%	5.0%	n/a

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
CET1 Ratio	14.3% +2.9pp YoY -0.2pp QoQ	-4.5pp	18.8%	19.8%	19.7%	42%
Leverage Ratio	12.6% +2.1pp YoY -0.2pp QoQ	+0.4pp	12.2%	13.9%	12.6%	71%
Total Capital Ratio	15.5% +3.0pp YoY -0.3pp QoQ	-4.4pp	19.9%	21.1%	20.8%	43%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Full-Time Employees	53 +1 (+1.9%) YoY +1 (+1.9%) QoQ	-6	58	295	482	56%
Assets per Employee ($)	$8.7M +10.6% YoY +2.7% QoQ	+$1.2M	$7.5M	$10.3M	$8.8M	76%
Branch Count	6 0 YoY 0 QoQ	+1	4	13	18	66%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.3%	0.4%	n/a
Nonaccrual	n/a	n/a	0.9%	0.7%	1.0%	n/a
Allowance Coverage	n/a	n/a	24.15x	16.62x	20.23x	n/a
Net Charge-off Rate (YTD)	-0.1% 0.0pp YoY +0.1pp QoQ	-0.2pp	0.1%	0.2%	0.2%	4%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
ROE	10.7% +4.9pp YoY -0.2pp QoQ	-1.5pp	12.2%	9.3%	11.6%	41%
Cost of Funds (YTD)	2.0% -0.4pp YoY -0.1pp QoQ	+0.3pp	1.7%	1.8%	1.7%	70%
Net Income ($, YTD)	$2.8M +128.4% YoY — QoQ	+$209K	$2.6M	$25.2M	$40.4M	66%

Get Full Access to BankFlorida

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

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 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

#329 of 659 • Top 49.8% in tier

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

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.92%, National: 0.98%)

better than tier avg

659 of 659 Community banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

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 (2 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.92%

#1 of 2633 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.67%

#1 of 2643 Top 0.1% in $100M-$1B

Top Weaknesses (1 metrics)

2361

Non-Interest Income / Assets

revenue_mix

Value: 0.07%

Peer Median: 0.57%

#2361 of 2643 Bottom 10.7% in $100M-$1B