BlastPoint's Banking Scorecard

Crews Bank & Trust

$1B-$10B Specialty: Commercial FL FDIC cert 8021

Designations: ✓ Community bank

Wauchula, FL

20 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 885 banks in the $1B-$10B peer group nationwide — 1 of 24 in FL.
Deposits +2.8% year over year ($2.1B on the books).
Delinquency rate 0.06%.
Return on assets 1.90%.
Efficiency ratio 55.18% vs a 59.73% peer average.
Loan-to-deposit ratio 63.13% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 24 in FL

View $1B-$10B leaderboard (FL) →

Crews Bank & Trust has 6 strengths but faces 2 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 0.81% below tier average
+ Loan-to-Deposit Ratio 21.91% below tier average
+ Non-Interest-Bearing Deposit Share 14.02% above tier average
+ Nonperforming Asset Ratio 0.64% below tier average
+ ROA 0.51% above tier average
+ Efficiency Ratio 4.55% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 22.5% in tier
- Net Interest Margin 0.14% below tier average

Get updates when Crews Bank & Trust releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Total Assets ?	$2.3B +2.9% YoY -1.3% QoQ	-$459.3M	$2.8B -0.6% YoY	$4.3B +7.0% YoY	$6.3B +7.7% YoY	58%
Total Loans ?	$1.3B +6.3% YoY +2.3% QoQ	-$654.7M	$2.0B -0.3% YoY	$3.0B +8.2% YoY	$3.2B +9.4% YoY	47%
Total Deposits ?	$2.1B +2.8% YoY -1.8% QoQ	-$246.1M	$2.3B -0.5% YoY	$3.5B +7.0% YoY	$4.9B +7.3% YoY	61%
Return on Assets ?	1.90% +14.0% YoY +7.9% QoQ	+0.51%	1.39% +17.0% YoY	0.62% -8.3% YoY	1.30% +12.1% YoY	85%
Net Interest Margin ?	3.73% +5.0% YoY +2.5% QoQ	-0.14%	3.87% +6.2% YoY	3.70% +0.5% YoY	3.95% +4.9% YoY	52%
Efficiency Ratio ?	55.18% -5.4% YoY -2.8% QoQ	-4.55%	59.73% -12.6% YoY	199.20% +161.3% YoY	70.05% +2.5% YoY	62%
Delinquency Rate ?	0.06% -34.1% YoY +38.4% QoQ	-0.81%	0.87% +11.7% YoY	0.61% -2.0% YoY	0.98% +16.3% YoY	Top 9.1% in tier
Loan-to-Deposit Ratio ?	63.13% +3.5% YoY +4.1% QoQ	-21.91%	85.04% -0.1% YoY	72.91% -1.7% YoY	79.03% +2.3% YoY	Top 8.9% in tier
Non-Interest-Bearing Deposit Share ?	35.30% -2.4% YoY +1.1% QoQ	+14.02%	21.27% -1.5% YoY	27.35% -2.5% YoY	21.98% -0.6% YoY	Top 8.1% in tier
Nonperforming Asset Ratio ?	0.03% -31.8% YoY +43.3% QoQ	-0.64%	0.67% +11.7% YoY	0.42% -2.6% YoY	0.69% +15.8% YoY	Top 7.6% in tier
Tier 1 Capital Ratio ?	10.69% +1.9% YoY +1.3% QoQ	-4.16%	14.84% -0.4% YoY	19.50% +8.2% YoY	17.09% +0.8% YoY	Bottom 13.1% in tier
Non-Interest Income / Assets ?	0.41% +4.2% YoY +116.4% QoQ	-0.12%	0.53% +2.5% YoY	1.02% +6.4% YoY	0.66% +5.2% YoY	71%

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	35.3% -0.9pp YoY +0.4pp QoQ	+13.9pp	21.4%	27.7%	22.2%	92%
Brokered Deposits	n/a	n/a	9.5%	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	1.1% +0.1pp YoY 0.0pp QoQ	-12.9pp	14.0%	12.9%	12.5%	3%
CRE	61.7% -1.8pp YoY -1.2pp QoQ	+11.6pp	50.0%	50.6%	41.4%	78%
1-4 Family	34.6% +0.5pp YoY -0.1pp QoQ	+8.2pp	26.4%	30.7%	31.3%	74%
Consumer	0.6% 0.0pp YoY +0.1pp QoQ	-4.1pp	4.7%	3.7%	5.0%	35%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	15.6%	19.8%	19.7%	n/a
Leverage Ratio	10.7% +0.2pp YoY +0.1pp QoQ	-0.6pp	11.3%	13.9%	12.6%	54%
Total Capital Ratio	n/a	n/a	16.7%	21.1%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Full-Time Employees	359 -5 (-1.4%) YoY +3 (+0.8%) QoQ	+45	313	295	482	74%
Assets per Employee ($)	$6.5M +4.3% YoY -2.1% QoQ	-$4.0M	$10.5M	$10.3M	$8.8M	18%
Branch Count	20 0 YoY 0 QoQ	-0	20	13	18	65%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.3%	0.4%	n/a
Nonaccrual	0.1% 0.0pp YoY 0.0pp QoQ	-0.8pp	0.8%	0.7%	1.0%	7%
Allowance Coverage	33.29x +56.3% YoY -28.4% QoQ	+14.58x	18.71x	16.62x	20.23x	96%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.2%	0.2%	40%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
ROE	18.2% +2.1pp YoY +1.1pp QoQ	+5.6pp	12.6%	9.3%	11.6%	87%
Cost of Funds (YTD)	1.3% -0.1pp YoY 0.0pp QoQ	-0.7pp	1.9%	1.8%	1.7%	12%
Net Income ($, YTD)	$22.2M +19.0% YoY — QoQ	+$2.9M	$19.2M	$25.2M	$40.4M	74%

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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 (1)

Capital Thin

risk

#51 of 222 • Bottom 22.5% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.69%

(Tier: 14.84%, National: 17.09%)

worse than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | QoQ rank improving

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 885 peers in $1B-$10B

Top Strengths (5 metrics)

Nonperforming Asset Ratio

credit_quality

Value: 0.03%

Peer Median: 0.67%

#68 of 885 Top 7.6% in $1B-$10B

Non-Interest-Bearing Deposit Share

funding

Value: 35.30%

Peer Median: 21.27%

#73 of 885 Top 8.1% in $1B-$10B

Loan-to-Deposit Ratio

liquidity

Value: 63.13%

Peer Median: 85.04%

#80 of 885 Top 8.9% in $1B-$10B

Delinquency Rate

credit_quality

Value: 0.06%

Peer Median: 0.87%

#81 of 882 Top 9.1% in $1B-$10B

135

Return on Assets

profitability

Value: 1.90%

Peer Median: 1.39%

#135 of 885 Top 15.1% in $1B-$10B

Top Weaknesses (1 metrics)

770

Tier 1 Capital Ratio

capital

Value: 10.69%

Peer Median: 14.84%

#770 of 885 Bottom 13.1% in $1B-$10B