BlastPoint's Banking Scorecard

Bank of Commerce & Trust Co.

$100M-$1B Specialty: Agricultural LA FDIC cert 10523

Designations: ✓ CDFI-certified

Crowley, LA

5 branches across LA

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 73 in LA.
Deposits +3.1% year over year ($332.0M on the books).
Delinquency rate 0.20%.
Return on assets 0.32%.
Efficiency ratio 84.62% vs a 64.48% peer average.
Loan-to-deposit ratio 29.57% 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 73 in LA

View $100M-$1B leaderboard (LA) →

Bank of Commerce & Trust Co. has 2 strengths but faces 3 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

+ Non-Interest-Bearing Deposit Share 17.69% above tier average
+ Delinquency Rate 0.72% below tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 48.5% in tier
- Return on Assets 1.00% below tier average
- Net Interest Margin 1.64% below tier average

Get updates when Bank of Commerce & Trust Co. releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Total Assets ?	$377.9M +4.3% YoY +0.9% QoQ	-$8.7M	$386.6M +1.2% YoY	$799.3M +7.8% YoY	$6.3B +7.7% YoY	58%
Total Loans ?	$98.2M +6.0% YoY -0.9% QoQ	-$160.2M	$258.3M +1.7% YoY	$538.5M +5.3% YoY	$3.2B +9.4% YoY	18%
Total Deposits ?	$332.0M +3.1% YoY +0.7% QoQ	+$5.3M	$326.7M +0.7% YoY	$677.9M +7.3% YoY	$4.9B +7.3% YoY	60%
Return on Assets ?	0.32% +61.7% YoY +34.9% QoQ	-1.00%	1.32% +10.8% YoY	1.37% +23.6% YoY	1.30% +12.1% YoY	Bottom 7.7% in tier
Net Interest Margin ?	2.34% +4.8% YoY +3.4% QoQ	-1.64%	3.99% +5.0% YoY	4.15% +0.0% YoY	3.95% +4.9% YoY	Bottom 2.0% in tier
Efficiency Ratio ?	84.62% -6.4% YoY -3.9% QoQ	+20.14%	64.48% -3.2% YoY	69.40% -0.9% YoY	70.05% +2.5% YoY	Bottom 9.3% in tier
Delinquency Rate ?	0.20% -48.2% YoY -39.8% QoQ	-0.72%	0.92% +15.7% YoY	1.53% +7.9% YoY	0.98% +16.3% YoY	66%
Loan-to-Deposit Ratio ?	29.57% +2.8% YoY -1.6% QoQ	-48.39%	77.95% +1.0% YoY	77.15% -1.0% YoY	79.03% +2.3% YoY	Top 1.6% in tier
Non-Interest-Bearing Deposit Share ?	39.72% +2.4% YoY +4.5% QoQ	+17.69%	22.03% -0.6% YoY	24.65% +0.5% YoY	21.98% -0.6% YoY	Top 4.8% in tier
Nonperforming Asset Ratio ?	0.05% -47.4% YoY -40.9% QoQ	-0.62%	0.67% +16.4% YoY	1.11% +4.1% YoY	0.69% +15.8% YoY	78%
Tier 1 Capital Ratio ?	11.10% -2.1% YoY +0.2% QoQ	-4.81%	15.91% +1.4% YoY	17.35% +5.4% YoY	17.09% +0.8% YoY	25%
Non-Interest Income / Assets ?	0.18% -5.0% YoY +101.3% QoQ	-0.39%	0.57% +7.6% YoY	0.33% +19.6% YoY	0.66% +5.2% YoY	43%

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 (LA)	National Avg	Tier Percentile
Noninterest-Bearing	39.7% +0.9pp YoY +1.7pp QoQ	+17.6pp	22.1%	24.6%	22.2%	95%
Brokered Deposits	n/a	n/a	7.9%	6.7%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
C&I	17.0% -0.1pp YoY +2.0pp QoQ	+5.5pp	11.6%	12.6%	12.5%	82%
CRE	30.5% -0.4pp YoY -2.8pp QoQ	-9.0pp	39.5%	44.9%	41.4%	36%
1-4 Family	19.2% -1.4pp YoY +0.2pp QoQ	-13.5pp	32.6%	34.2%	31.3%	28%
Consumer	5.7% 0.0pp YoY +0.3pp QoQ	+1.6pp	4.1%	4.2%	5.0%	81%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	22.5%	19.7%	n/a
Leverage Ratio	11.1% -0.2pp YoY 0.0pp QoQ	-1.1pp	12.2%	13.4%	12.6%	52%
Total Capital Ratio	n/a	n/a	19.9%	23.6%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Full-Time Employees	68 0 YoY -1 (-1.4%) QoQ	+9	58	114	482	69%
Assets per Employee ($)	$5.6M +4.3% YoY +2.4% QoQ	-$2.0M	$7.5M	$6.8M	$8.8M	24%
Branch Count	5 0 YoY 0 QoQ	0	4	9	18	55%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.4%	0.4%	n/a
Nonaccrual	0.2% -0.1pp YoY 0.0pp QoQ	-0.7pp	0.9%	1.4%	1.0%	29%
Allowance Coverage	3.09x +74.1% YoY +66.3% QoQ	-21.06x	24.15x	27.36x	20.23x	60%
Net Charge-off Rate (YTD)	0.1% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	68%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
ROE	3.8% +1.0pp YoY +0.9pp QoQ	-8.4pp	12.2%	12.5%	11.6%	10%
Cost of Funds (YTD)	0.9% +0.1pp YoY 0.0pp QoQ	-0.9pp	1.7%	1.7%	1.7%	7%
Net Income ($, YTD)	$614,000 +69.6% YoY — QoQ	-$1.9M	$2.6M	$5.1M	$40.4M	14%

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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)

Efficiency Drag

risk

#176 of 361 • Bottom 48.5% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 84.62%

(Tier: 64.48%, National: 70.05%)

worse than tier avg

361 of 361 Community banks match · 426 nationally

↓ Shrinking -64 banks QoQ | 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 2643 peers in $100M-$1B

Top Strengths (3 metrics)

Loan-to-Deposit Ratio

liquidity

Value: 29.57%

Peer Median: 77.95%

#44 of 2643 Top 1.6% in $100M-$1B

129

Non-Interest-Bearing Deposit Share

funding

Value: 39.72%

Peer Median: 22.03%

#129 of 2643 Top 4.8% in $100M-$1B

572

Nonperforming Asset Ratio

credit_quality

Value: 0.05%

Peer Median: 0.67%

#572 of 2643 Top 21.6% in $100M-$1B

Top Weaknesses (5 metrics)

2590

Net Interest Margin

profitability

Value: 2.34%

Peer Median: 3.99%

#2590 of 2643 Bottom 2.0% in $100M-$1B

2440

Return on Assets

profitability

Value: 0.32%

Peer Median: 1.32%

#2440 of 2643 Bottom 7.7% in $100M-$1B

2397

Efficiency Ratio

profitability

Value: 84.62%

Peer Median: 64.48%

#2397 of 2643 Bottom 9.3% in $100M-$1B

2160

Total Loans

size

Value: $98.16M

Peer Median: $258.35M

#2160 of 2643 Bottom 18.3% in $100M-$1B

1994

Tier 1 Capital Ratio

capital

Value: 11.10%

Peer Median: 15.91%

#1994 of 2643 Bottom 24.6% in $100M-$1B