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

2664 banks in the $100M-$1B peer group nationally 74 in 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 15.98% above tier average
+ Delinquency Rate 0.56% below tier average

Key Concerns

Areas that may need attention

- Return on Assets 1.03% below tier average
- Net Interest Margin 1.66% below tier average
- Efficiency Ratio 22.78% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Total Assets ?	$374.6M +3.6% YoY -5.4% QoQ	-$11.5M	$386.1M +0.5% YoY	$784.8M +7.0% YoY	$6.2B +9.1% YoY	58%
Total Loans ?	$99.1M +11.5% YoY -3.1% QoQ	-$156.6M	$255.7M +1.1% YoY	$523.7M +4.0% YoY	$3.2B +10.8% YoY	19%
Total Deposits ?	$329.8M +1.8% YoY -6.8% QoQ	+$1.9M	$328.0M +0.1% YoY	$671.5M +6.9% YoY	$4.8B +8.2% YoY	60%
Return on Assets ?	0.24% +90.9% YoY +33.3% QoQ	-1.03%	1.27% +12.9% YoY	1.24% +12.4% YoY	1.23% +13.4% YoY	Bottom 6.9% in tier
Net Interest Margin ?	2.27% +3.1% YoY +2.2% QoQ	-1.66%	3.93% +6.0% YoY	4.12% +1.2% YoY	3.89% +5.7% YoY	Bottom 1.7% in tier
Efficiency Ratio ?	88.06% -6.4% YoY -3.2% QoQ	+22.78%	65.29% -4.5% YoY	70.37% -1.0% YoY	66.95% -4.1% YoY	Bottom 7.8% in tier
Delinquency Rate ?	0.32% -15.6% YoY -5.9% QoQ	-0.56%	0.89% +18.8% YoY	1.51% +4.5% YoY	0.95% +18.8% YoY	56%
Loan-to-Deposit Ratio ?	30.04% +9.6% YoY +3.9% QoQ	-46.60%	76.64% +0.8% YoY	75.16% -1.5% YoY	76.70% +0.9% YoY	Top 1.7% in tier
Non-Interest-Bearing Deposit Share ?	38.00% -2.2% YoY +11.5% QoQ	+15.98%	22.02% -1.0% YoY	24.55% -1.4% YoY	22.01% -1.2% YoY	Top 6.5% in tier
Nonperforming Asset Ratio ?	0.09% -9.1% YoY -3.6% QoQ	-0.55%	0.64% +19.7% YoY	1.07% +4.2% YoY	0.67% +19.3% YoY	72%
Tier 1 Capital Ratio ?	11.08% -1.7% YoY -1.3% QoQ	-4.75%	15.83% +1.5% YoY	16.56% +0.4% YoY	17.06% +0.8% YoY	24%
Non-Interest Income / Assets ?	0.09% -3.8% YoY -74.2% QoQ	-0.19%	0.28% +9.3% YoY	0.11% -17.3% YoY	0.32% +4.1% YoY	44%

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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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (2 metrics)

Loan-to-Deposit Ratio

liquidity

Value: 30.04%

Peer Median: 76.64%

#47 of 2664 Top 1.7% in $100M-$1B

174

Non-Interest-Bearing Deposit Share

funding

Value: 38.00%

Peer Median: 22.02%

#174 of 2664 Top 6.5% in $100M-$1B

Top Weaknesses (5 metrics)

2620

Net Interest Margin

profitability

Value: 2.27%

Peer Median: 3.93%

#2620 of 2664 Bottom 1.7% in $100M-$1B

2481

Return on Assets

profitability

Value: 0.24%

Peer Median: 1.27%

#2481 of 2664 Bottom 6.9% in $100M-$1B

2458

Efficiency Ratio

profitability

Value: 88.06%

Peer Median: 65.29%

#2458 of 2664 Bottom 7.8% in $100M-$1B

2149

Total Loans

size

Value: $99.08M

Peer Median: $255.72M

#2149 of 2664 Bottom 19.4% in $100M-$1B

2027

Tier 1 Capital Ratio

capital

Value: 11.08%

Peer Median: 15.83%

#2027 of 2664 Bottom 23.9% in $100M-$1B