BlastPoint's Banking Scorecard

First Bank

$100M-$1B Specialty: Commercial FL FDIC cert 9620

Designations: ✓ CDFI-certified

Clewiston, FL

7 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 44 in FL.
Deposits +0.4% year over year ($727.3M on the books).
Delinquency rate 0.31%.
Return on assets 1.48%.
Efficiency ratio 55.97% vs a 64.48% peer average.
Loan-to-deposit ratio 67.83% 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) →

First Bank has 4 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

+ ROA 0.16% above tier average
+ Net Interest Margin 0.34% above tier average
+ Efficiency Ratio 8.51% below tier average
+ Delinquency Rate 0.60% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 35.0% in tier
- Credit Quality Pressure: Bottom 41.4% in tier

Get updates when First Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Total Assets ?	$810.5M +1.3% YoY -1.5% QoQ	+$423.9M	$386.6M +1.2% YoY	$4.3B +7.0% YoY	$6.3B +7.7% YoY	Top 7.6% in tier
Total Loans ?	$493.3M +5.5% YoY +3.9% QoQ	+$234.9M	$258.3M +1.7% YoY	$3.0B +8.2% YoY	$3.2B +9.4% YoY	Top 12.1% in tier
Total Deposits ?	$727.3M +0.4% YoY -1.8% QoQ	+$400.5M	$326.7M +0.7% YoY	$3.5B +7.0% YoY	$4.9B +7.3% YoY	Top 5.1% in tier
Return on Assets ?	1.48% +4.7% YoY +2.5% QoQ	+0.16%	1.32% +10.8% YoY	0.62% -8.3% YoY	1.30% +12.1% YoY	64%
Net Interest Margin ?	4.33% +6.8% YoY +1.9% QoQ	+0.34%	3.99% +5.0% YoY	3.70% +0.5% YoY	3.95% +4.9% YoY	72%
Efficiency Ratio ?	55.97% +1.3% YoY +0.3% QoQ	-8.51%	64.48% -3.2% YoY	199.20% +161.3% YoY	70.05% +2.5% YoY	69%
Delinquency Rate ?	0.31% +771.4% QoQ	-0.60%	0.92% +15.7% YoY	0.61% -2.0% YoY	0.98% +16.3% YoY	57%
Loan-to-Deposit Ratio ?	67.83% +5.0% YoY +5.8% QoQ	-10.13%	77.95% +1.0% YoY	72.91% -1.7% YoY	79.03% +2.3% YoY	73%
Non-Interest-Bearing Deposit Share ?	34.02% -4.7% YoY +3.7% QoQ	+11.99%	22.03% -0.6% YoY	27.35% -2.5% YoY	21.98% -0.6% YoY	Top 10.7% in tier
Nonperforming Asset Ratio ?	0.19% +818.8% QoQ	-0.48%	0.67% +16.4% YoY	0.42% -2.6% YoY	0.69% +15.8% YoY	61%
Tier 1 Capital Ratio ?	14.82% +4.0% YoY +0.5% QoQ	-1.09%	15.91% +1.4% YoY	19.50% +8.2% YoY	17.09% +0.8% YoY	64%
Non-Interest Income / Assets ?	0.28% +2.0% YoY +105.6% QoQ	-0.28%	0.57% +7.6% YoY	1.02% +6.4% YoY	0.66% +5.2% YoY	69%

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	34.0% -1.7pp YoY +1.2pp QoQ	+11.9pp	22.1%	27.7%	22.2%	89%
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	4.5% -0.4pp YoY +0.1pp QoQ	-7.1pp	11.6%	12.9%	12.5%	17%
CRE	49.9% +1.7pp YoY +1.1pp QoQ	+10.4pp	39.5%	50.6%	41.4%	70%
1-4 Family	25.6% -0.4pp YoY -0.6pp QoQ	-7.1pp	32.6%	30.7%	31.3%	42%
Consumer	1.4% 0.0pp YoY 0.0pp QoQ	-2.7pp	4.1%	3.7%	5.0%	37%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
CET1 Ratio	14.8% +0.6pp YoY +0.1pp QoQ	-4.0pp	18.8%	19.8%	19.7%	47%
Leverage Ratio	9.7% +0.6pp YoY +0.3pp QoQ	-2.5pp	12.2%	13.9%	12.6%	25%
Total Capital Ratio	16.1% +0.6pp YoY +0.1pp QoQ	-3.9pp	19.9%	21.1%	20.8%	49%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Full-Time Employees	114 +8 (+7.5%) YoY +2 (+1.8%) QoQ	+55	58	295	482	91%
Assets per Employee ($)	$7.1M -5.8% YoY -3.2% QoQ	-$408K	$7.5M	$10.3M	$8.8M	54%
Branch Count	7 0 YoY 0 QoQ	+2	4	13	18	75%

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	0.3% +0.3pp QoQ	-0.6pp	0.9%	0.7%	1.0%	39%
Allowance Coverage	5.66x -88.8% QoQ	-18.49x	24.15x	16.62x	20.23x	73%
Net Charge-off Rate (YTD)	0.0% 0.0pp QoQ	-0.1pp	0.1%	0.2%	0.2%	36%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
ROE	15.7% -0.6pp YoY +0.3pp QoQ	+3.5pp	12.2%	9.3%	11.6%	71%
Cost of Funds (YTD)	1.1% 0.0pp YoY 0.0pp QoQ	-0.6pp	1.7%	1.8%	1.7%	13%
Net Income ($, YTD)	$6.0M +9.0% YoY — QoQ	+$3.5M	$2.6M	$25.2M	$40.4M	92%

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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 (2)

Credit Risk Growth

risk

#329 of 936 • Bottom 35.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank declining

Credit Quality Pressure

risk

#521 of 1256 • Bottom 41.4% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.31%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank declining

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 2643 peers in $100M-$1B

Top Strengths (4 metrics)

135

Total Deposits

size

Value: $727.27M

Peer Median: $326.73M

#135 of 2643 Top 5.1% in $100M-$1B

202

Total Assets

size

Value: $810.51M

Peer Median: $386.57M

#202 of 2643 Top 7.6% in $100M-$1B

284

Non-Interest-Bearing Deposit Share

funding

Value: 34.02%

Peer Median: 22.03%

#284 of 2643 Top 10.7% in $100M-$1B

322

Total Loans

size

Value: $493.28M

Peer Median: $258.35M

#322 of 2643 Top 12.1% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available