BlastPoint's Banking Scorecard

BankMiami

$100M-$1B Specialty: Other FL FDIC cert 59354

Coral Gables, FL

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

BankMiami has 2 strengths but faces 4 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 0.1% in tier
+ Nonperforming Asset Ratio 0.64% below tier average

Key Concerns

Areas that may need attention

- Return on Assets 2.09% below tier average
- Net Interest Margin 1.43% below tier average
- Efficiency Ratio 71.13% above tier average
- Non-Interest Income / Assets 0.25% below tier average

Get updates when BankMiami releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Total Assets ?	$279.3M +590.1% YoY +52.3% QoQ	-$106.8M	$386.1M +0.5% YoY	$4.3B +10.8% YoY	$6.2B +9.1% YoY	42%
Total Loans ?	$76.1M +13.4% QoQ	-$179.6M	$255.7M +1.1% YoY	$3.0B +12.4% YoY	$3.2B +10.8% YoY	Bottom 9.5% in tier
Total Deposits ?	$242.1M +66.0% QoQ	-$85.9M	$328.0M +0.1% YoY	$3.6B +11.7% YoY	$4.8B +8.2% YoY	43%
Return on Assets ?	-0.82% +90.3% YoY +70.8% QoQ	-2.09%	1.27% +12.9% YoY	0.83% +61.5% YoY	1.23% +13.4% YoY	Bottom 1.2% in tier
Net Interest Margin ?	2.50% +299.3% YoY +15.8% QoQ	-1.43%	3.93% +6.0% YoY	3.75% +4.2% YoY	3.89% +5.7% YoY	Bottom 3.1% in tier
Efficiency Ratio ?	136.42% -92.8% YoY -44.2% QoQ	+71.13%	65.29% -4.5% YoY	71.93% -25.2% YoY	66.95% -4.1% YoY	Bottom 0.5% in tier
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	0.63% -5.7% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	31.46% -31.7% QoQ	-45.18%	76.64% +0.8% YoY	73.79% +1.2% YoY	76.70% +0.9% YoY	Top 2.0% in tier
Non-Interest-Bearing Deposit Share ?	12.74% +36.6% YoY -18.0% QoQ	-9.28%	22.02% -1.0% YoY	27.22% -2.5% YoY	22.01% -1.2% YoY	17%
Nonperforming Asset Ratio ?	0.00%	-0.64%	0.64% +19.7% YoY	0.43% -5.1% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	36.24% -91.6% YoY -12.9% QoQ	+20.41%	15.83% +1.5% YoY	16.64% -24.7% YoY	17.06% +0.8% YoY	Top 2.1% in tier
Non-Interest Income / Assets ?	0.03% +26.1% QoQ	-0.25%	0.28% +9.3% YoY	0.50% +7.6% YoY	0.32% +4.1% YoY	Bottom 6.4% in tier

Get Full Access to BankMiami

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

#1 of 664 • Top 0.1% 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: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ

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 2664 peers in $100M-$1B

Top Strengths (4 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

Loan-to-Deposit Ratio

liquidity

Value: 31.46%

Peer Median: 76.64%

#55 of 2664 Top 2.0% in $100M-$1B

Tier 1 Capital Ratio

capital

Value: 36.24%

Peer Median: 15.83%

#57 of 2664 Top 2.1% in $100M-$1B

Top Weaknesses (6 metrics)

2652

Efficiency Ratio

profitability

Value: 136.42%

Peer Median: 65.29%

#2652 of 2664 Bottom 0.5% in $100M-$1B

2633

Return on Assets

profitability

Value: -0.82%

Peer Median: 1.27%

#2633 of 2664 Bottom 1.2% in $100M-$1B

2582

Net Interest Margin

profitability

Value: 2.50%

Peer Median: 3.93%

#2582 of 2664 Bottom 3.1% in $100M-$1B

2494

Non-Interest Income / Assets

revenue_mix

Value: 0.03%

Peer Median: 0.28%

#2494 of 2664 Bottom 6.4% in $100M-$1B

2411

Total Loans

size

Value: $76.14M

Peer Median: $255.72M

#2411 of 2664 Bottom 9.5% in $100M-$1B

2216

Non-Interest-Bearing Deposit Share

funding

Value: 12.74%

Peer Median: 22.02%

#2216 of 2664 Bottom 16.9% in $100M-$1B