BlastPoint's Banking Scorecard
BankMiami
$100M-$1B
Specialty: Other
FL
FDIC cert 59354
Coral Gables, 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 +547.3% year over year ($280.8M on the books).
- Delinquency rate 0.00%.
- Return on assets -0.71%.
- Efficiency ratio 125.26% vs a 64.48% peer average.
- Loan-to-deposit ratio 35.07% 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) →
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
- + Delinquency Rate 0.92% below tier average
- + Nonperforming Asset Ratio 0.67% below tier average
Key Concerns
Areas that may need attention
- - Return on Assets 2.03% below tier average
- - Net Interest Margin 1.44% below tier average
- - Efficiency Ratio 60.79% above tier average
- - Non-Interest Income / Assets 0.53% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$317.9M
+294.0% YoY
+13.8% QoQ
|
-$68.7M |
$386.6M
+1.2% YoY
|
$4.3B
+7.0% YoY
|
$6.3B
+7.7% YoY
|
49% |
| Total Loans ? |
$98.5M
+664.9% YoY
+29.4% QoQ
|
-$159.8M |
$258.3M
+1.7% YoY
|
$3.0B
+8.2% YoY
|
$3.2B
+9.4% YoY
|
19% |
| Total Deposits ? |
$280.8M
+547.3% YoY
+16.0% QoQ
|
-$45.9M |
$326.7M
+0.7% YoY
|
$3.5B
+7.0% YoY
|
$4.9B
+7.3% YoY
|
51% |
| Return on Assets ? |
-0.71%
+86.6% YoY
+13.6% QoQ
|
-2.03% |
1.32%
+10.8% YoY
|
0.62%
-8.3% YoY
|
1.30%
+12.1% YoY
|
Bottom 1.5% in tier |
| Net Interest Margin ? |
2.54%
+42.9% YoY
+1.9% QoQ
|
-1.44% |
3.99%
+5.0% YoY
|
3.70%
+0.5% YoY
|
3.95%
+4.9% YoY
|
Bottom 3.2% in tier |
| Efficiency Ratio ? |
125.26%
-73.5% YoY
-8.2% QoQ
|
+60.79% |
64.48%
-3.2% YoY
|
199.20%
+161.3% YoY
|
70.05%
+2.5% YoY
|
Bottom 0.8% in tier |
| 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 ? |
35.07%
+18.2% YoY
+11.5% QoQ
|
-42.88% |
77.95%
+1.0% YoY
|
72.91%
-1.7% YoY
|
79.03%
+2.3% YoY
|
Top 2.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
15.13%
+48.0% YoY
+18.7% QoQ
|
-6.90% |
22.03%
-0.6% YoY
|
27.35%
-2.5% YoY
|
21.98%
-0.6% YoY
|
25% |
| 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 ? |
28.79%
-79.5% YoY
-20.6% QoQ
|
+12.88% |
15.91%
+1.4% YoY
|
19.50%
+8.2% YoY
|
17.09%
+0.8% YoY
|
Top 4.7% in tier |
| Non-Interest Income / Assets ? |
0.04%
+93.5% YoY
+46.9% QoQ
|
-0.53% |
0.57%
+7.6% YoY
|
1.02%
+6.4% YoY
|
0.66%
+5.2% YoY
|
Bottom 3.8% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
15.1%
+4.9pp YoY +2.4pp QoQ |
-7.0pp | 22.1% | 27.7% | 22.2% | 25% |
| Brokered Deposits | n/a | n/a | 7.9% | 8.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
8.7%
-3.2pp YoY -4.0pp QoQ |
-2.8pp | 11.6% | 12.9% | 12.5% | 45% |
| CRE |
60.5%
+1.5pp QoQ |
+21.0pp | 39.5% | 50.6% | 41.4% | 85% |
| 1-4 Family |
31.7%
+20.6pp YoY +2.5pp QoQ |
-1.0pp | 32.6% | 30.7% | 31.3% | 55% |
| 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 |
28.8%
-111.6pp YoY -7.5pp QoQ |
+10.0pp | 18.8% | 19.8% | 19.7% | 92% |
| Leverage Ratio |
11.4%
-57.1pp YoY -4.2pp QoQ |
-0.7pp | 12.2% | 13.9% | 12.6% | 57% |
| Total Capital Ratio |
29.7%
-111.3pp YoY -7.4pp QoQ |
+9.8pp | 19.9% | 21.1% | 20.8% | 92% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
28
+4 (+16.7%) YoY 0 QoQ |
-31 | 58 | 295 | 482 | 24% |
| Assets per Employee ($) |
$11.4M
+237.7% YoY +13.8% QoQ |
+$3.8M | $7.5M | $10.3M | $8.8M | 91% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 13 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.3% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 0.7% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 16.62x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.2% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
-5.2%
+3.4pp YoY +0.1pp QoQ |
-17.4pp | 12.2% | 9.3% | 11.6% | 2% |
| Cost of Funds (YTD) |
2.1%
+1.7pp YoY +0.2pp QoQ |
+0.4pp | 1.7% | 1.8% | 1.7% | 76% |
| Net Income ($, YTD) |
$-921000.0
+42.5% YoY — QoQ |
-$3.5M | $2.6M | $25.2M | $40.4M | 2% |
Get Full Access to BankMiami
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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 (0)
No matched strength signatures this quarter
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).
Top Strengths (4 metrics)
1
Delinquency Rate
credit_quality
Value:
0.00%
Peer Median: 0.92%
#1 of 2633
Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value:
0.00%
Peer Median: 0.67%
#1 of 2643
Top 0.1% in $100M-$1B
73
Loan-to-Deposit Ratio
liquidity
Value:
35.07%
Peer Median: 77.95%
#73 of 2643
Top 2.7% in $100M-$1B
124
Tier 1 Capital Ratio
capital
Value:
28.79%
Peer Median: 15.91%
#124 of 2643
Top 4.7% in $100M-$1B
Top Weaknesses (5 metrics)
2622
Efficiency Ratio
profitability
Value:
125.26%
Peer Median: 64.48%
#2622 of 2643
Bottom 0.8% in $100M-$1B
2604
Return on Assets
profitability
Value:
-0.71%
Peer Median: 1.32%
#2604 of 2643
Bottom 1.5% in $100M-$1B
2560
Net Interest Margin
profitability
Value:
2.54%
Peer Median: 3.99%
#2560 of 2643
Bottom 3.2% in $100M-$1B
2544
Non-Interest Income / Assets
revenue_mix
Value:
0.04%
Peer Median: 0.57%
#2544 of 2643
Bottom 3.8% in $100M-$1B
2154
Total Loans
size
Value:
$98.50M
Peer Median: $258.35M
#2154 of 2643
Bottom 18.5% in $100M-$1B