BlastPoint's Banking Scorecard
One Florida Bank
Designations: ✓ Community bank
Orlando, FL
6 branches across FL
One Florida Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 2.7% in tier
- + Efficiency Ratio 10.33% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 24.0% in tier
- - Non-Interest Income / Assets 0.23% below tier average
- - ROA 0.15% below tier average
- - Net Interest Margin 0.32% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.1B
+11.6% YoY
+3.5% QoQ
|
-$696.4M |
$2.8B
-0.1% YoY
|
$4.3B
+10.8% YoY
|
$6.2B
+9.1% YoY
|
54% |
| Total Loans ? |
$1.7B
+9.5% YoY
+3.9% QoQ
|
-$295.0M |
$2.0B
+0.6% YoY
|
$3.0B
+12.4% YoY
|
$3.2B
+10.8% YoY
|
59% |
| Total Deposits ? |
$1.9B
+9.8% YoY
+3.4% QoQ
|
-$470.7M |
$2.3B
-0.3% YoY
|
$3.6B
+11.7% YoY
|
$4.8B
+8.2% YoY
|
56% |
| Return on Assets ? |
1.22%
+10.4% YoY
+0.0% QoQ
|
-0.15% |
1.37%
+19.6% YoY
|
0.83%
+61.5% YoY
|
1.23%
+13.4% YoY
|
49% |
| Net Interest Margin ? |
3.49%
+2.5% YoY
+1.2% QoQ
|
-0.32% |
3.82%
+6.9% YoY
|
3.75%
+4.2% YoY
|
3.89%
+5.7% YoY
|
40% |
| Efficiency Ratio ? |
50.73%
-6.7% YoY
-2.6% QoQ
|
-10.33% |
61.06%
-4.6% YoY
|
71.93%
-25.2% YoY
|
66.95%
-4.1% YoY
|
77% |
| Delinquency Rate ? |
0.19%
+349.8% YoY
-31.5% QoQ
|
-0.70% |
0.89%
+14.1% YoY
|
0.63%
-5.7% YoY
|
0.95%
+18.8% YoY
|
80% |
| Loan-to-Deposit Ratio ? |
89.17%
-0.3% YoY
+0.4% QoQ
|
+4.97% |
84.20%
+0.3% YoY
|
73.79%
+1.2% YoY
|
76.70%
+0.9% YoY
|
41% |
| Non-Interest-Bearing Deposit Share ? |
19.73%
-12.1% YoY
+0.5% QoQ
|
-1.56% |
21.29%
-2.5% YoY
|
27.22%
-2.5% YoY
|
22.01%
-1.2% YoY
|
51% |
| Nonperforming Asset Ratio ? |
0.15%
+341.2% YoY
-31.2% QoQ
|
-0.52% |
0.67%
+15.6% YoY
|
0.43%
-5.1% YoY
|
0.67%
+19.3% YoY
|
79% |
| Tier 1 Capital Ratio ? |
10.70%
+4.8% YoY
-0.3% QoQ
|
-4.46% |
15.16%
+2.0% YoY
|
16.64%
-24.7% YoY
|
17.06%
+0.8% YoY
|
Bottom 12.1% in tier |
| Non-Interest Income / Assets ? |
0.03%
+7.9% YoY
-75.7% QoQ
|
-0.23% |
0.26%
+1.6% YoY
|
0.50%
+7.6% YoY
|
0.32%
+4.1% YoY
|
Bottom 4.2% in tier |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.