BlastPoint's Banking Scorecard
Crews Bank & Trust
Wauchula, FL
20 branches across FL
Crews Bank & Trust has 6 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.85% below tier average
- + Loan-to-Deposit Ratio 23.58% below tier average
- + Non-Interest-Bearing Deposit Share 13.64% above tier average
- + Nonperforming Asset Ratio 0.65% below tier average
- + ROA 0.39% above tier average
- + Efficiency Ratio 4.28% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 25.8% in tier
- - Net Interest Margin 0.18% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.4B
+4.0% YoY
+1.8% QoQ
|
-$451.6M |
$2.8B
-0.1% YoY
|
$4.3B
+10.8% YoY
|
$6.2B
+9.1% YoY
|
59% |
| Total Loans ? |
$1.3B
+6.8% YoY
+2.3% QoQ
|
-$685.3M |
$2.0B
+0.6% YoY
|
$3.0B
+12.4% YoY
|
$3.2B
+10.8% YoY
|
46% |
| Total Deposits ? |
$2.1B
+4.0% YoY
+1.9% QoQ
|
-$232.8M |
$2.3B
-0.3% YoY
|
$3.6B
+11.7% YoY
|
$4.8B
+8.2% YoY
|
62% |
| Return on Assets ? |
1.76%
+14.9% YoY
+1.2% QoQ
|
+0.39% |
1.37%
+19.6% YoY
|
0.83%
+61.5% YoY
|
1.23%
+13.4% YoY
|
82% |
| Net Interest Margin ? |
3.64%
+5.8% YoY
+0.7% QoQ
|
-0.18% |
3.82%
+6.9% YoY
|
3.75%
+4.2% YoY
|
3.89%
+5.7% YoY
|
50% |
| Efficiency Ratio ? |
56.78%
-5.3% YoY
-0.2% QoQ
|
-4.28% |
61.06%
-4.6% YoY
|
71.93%
-25.2% YoY
|
66.95%
-4.1% YoY
|
59% |
| Delinquency Rate ? |
0.04%
-39.8% YoY
-39.9% QoQ
|
-0.85% |
0.89%
+14.1% YoY
|
0.63%
-5.7% YoY
|
0.95%
+18.8% YoY
|
Top 6.1% in tier |
| Loan-to-Deposit Ratio ? |
60.63%
+2.7% YoY
+0.4% QoQ
|
-23.58% |
84.20%
+0.3% YoY
|
73.79%
+1.2% YoY
|
76.70%
+0.9% YoY
|
Top 8.4% in tier |
| Non-Interest-Bearing Deposit Share ? |
34.93%
-3.6% YoY
-3.0% QoQ
|
+13.64% |
21.29%
-2.5% YoY
|
27.22%
-2.5% YoY
|
22.01%
-1.2% YoY
|
Top 9.3% in tier |
| Nonperforming Asset Ratio ? |
0.02%
-38.1% YoY
-39.6% QoQ
|
-0.65% |
0.67%
+15.6% YoY
|
0.43%
-5.1% YoY
|
0.67%
+19.3% YoY
|
Top 5.0% in tier |
| Tier 1 Capital Ratio ? |
10.55%
+0.9% YoY
+0.0% QoQ
|
-4.61% |
15.16%
+2.0% YoY
|
16.64%
-24.7% YoY
|
17.06%
+0.8% YoY
|
Bottom 10.2% in tier |
| Non-Interest Income / Assets ? |
0.19%
+2.9% YoY
-75.8% QoQ
|
-0.07% |
0.26%
+1.6% YoY
|
0.50%
+7.6% YoY
|
0.32%
+4.1% YoY
|
68% |
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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 (0)
Concerns (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.