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CLB The Community Bank

$100M-$1B Specialty: Commercial LA FDIC cert 10532

Designations: ✓ CDFI-certified

Jonesville, LA

7 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 +12.2% year over year ($313.1M on the books).
  • Delinquency rate 2.61%.
  • Return on assets 1.60%.
  • Efficiency ratio 59.69% vs a 64.48% peer average.
  • Loan-to-deposit ratio 65.90% 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) →

CLB The Community Bank has 3 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 0.28% above tier average
  • + Net Interest Margin 0.23% above tier average
  • + Efficiency Ratio 4.78% below tier average

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 72.3% in tier
  • - Delinquency Rate 1.69% above tier average
Get updates when CLB The Community Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Total Assets ? $350.9M
+12.0% YoY +2.0% QoQ
-$35.7M $386.6M
+1.2% YoY
$799.3M
+7.8% YoY
$6.3B
+7.7% YoY
54%
Total Loans ? $206.4M
-9.5% YoY +0.4% QoQ
-$52.0M $258.3M
+1.7% YoY
$538.5M
+5.3% YoY
$3.2B
+9.4% YoY
50%
Total Deposits ? $313.1M
+12.2% YoY +1.9% QoQ
-$13.6M $326.7M
+0.7% YoY
$677.9M
+7.3% YoY
$4.9B
+7.3% YoY
57%
Return on Assets ? 1.60%
-14.7% YoY +12.3% QoQ
+0.28% 1.32%
+10.8% YoY
1.37%
+23.6% YoY
1.30%
+12.1% YoY
71%
Net Interest Margin ? 4.22%
-9.2% YoY +0.9% QoQ
+0.23% 3.99%
+5.0% YoY
4.15%
+0.0% YoY
3.95%
+4.9% YoY
66%
Efficiency Ratio ? 59.69%
+7.5% YoY -3.7% QoQ
-4.78% 64.48%
-3.2% YoY
69.40%
-0.9% YoY
70.05%
+2.5% YoY
58%
Delinquency Rate ? 2.61%
+45.6% YoY +7.2% QoQ
+1.69% 0.92%
+15.7% YoY
1.53%
+7.9% YoY
0.98%
+16.3% YoY
Bottom 8.1% in tier
Loan-to-Deposit Ratio ? 65.90%
-19.3% YoY -1.5% QoQ
-12.05% 77.95%
+1.0% YoY
77.15%
-1.0% YoY
79.03%
+2.3% YoY
75%
Non-Interest-Bearing Deposit Share ? 30.55%
+35.1% YoY +5.2% QoQ
+8.52% 22.03%
-0.6% YoY
24.65%
+0.5% YoY
21.98%
-0.6% YoY
84%
Nonperforming Asset Ratio ? 1.69%
+12.3% YoY +5.6% QoQ
+1.02% 0.67%
+16.4% YoY
1.11%
+4.1% YoY
0.69%
+15.8% YoY
Bottom 10.1% in tier
Tier 1 Capital Ratio ? 11.36%
+0.9% YoY +0.3% QoQ
-4.55% 15.91%
+1.4% YoY
17.35%
+5.4% YoY
17.09%
+0.8% YoY
27%
Non-Interest Income / Assets ? 0.20%
-22.0% YoY +97.4% QoQ
-0.36% 0.57%
+7.6% YoY
0.33%
+19.6% YoY
0.66%
+5.2% YoY
52%

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 30.6%
+7.9pp YoY
+1.5pp QoQ
 +8.4pp 22.1% 24.6% 22.2% 84%
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 12.6%
+0.7pp YoY
+0.6pp QoQ
 +1.0pp 11.6% 12.6% 12.5% 66%
CRE n/a n/a 39.5% 44.9% 41.4% n/a
1-4 Family 23.4%
+2.8pp YoY
-0.6pp QoQ
 -9.2pp 32.6% 34.2% 31.3% 38%
Consumer 6.9%
-0.9pp YoY
-0.9pp QoQ
 +2.8pp 4.1% 4.2% 5.0% 85%

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 11.4%
+0.1pp YoY
0.0pp QoQ
 -0.8pp 12.2% 13.4% 12.6% 56%
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 61
+3 (+5.2%) YoY
-2 (-3.2%) QoQ
 +2 58 114 482 64%
Assets per Employee ($) $5.8M
+6.5% YoY
+5.4% QoQ
 -$1.8M $7.5M $6.8M $8.8M 28%
Branch Count 7
0 YoY
0 QoQ
 +2 4 9 18 75%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Past Due 90+ Days 0.5%
+0.3pp YoY
0.0pp QoQ
 +0.1pp 0.3% 0.4% 0.4% 82%
Nonaccrual 2.1%
+0.5pp YoY
+0.1pp QoQ
 +1.2pp 0.9% 1.4% 1.0% 89%
Allowance Coverage 0.44x
-36.1% YoY
-5.7% QoQ
 -23.71x 24.15x 27.36x 20.23x 8%
Net Charge-off Rate (YTD) 0.4%
+0.4pp YoY
-0.3pp QoQ
 +0.3pp 0.1% 0.1% 0.2% 93%

Profitability

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
ROE 15.2%
-3.2pp YoY
+1.7pp QoQ
 +3.1pp 12.2% 12.5% 11.6% 69%
Cost of Funds (YTD) 1.5%
-0.1pp YoY
0.0pp QoQ
 -0.2pp 1.7% 1.7% 1.7% 36%
Net Income ($, YTD) $2.7M
-7.8% YoY
— QoQ
 +$178K $2.6M $5.1M $40.4M 66%

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)

Margin Compression

decline
#223 of 307 • Bottom 72.3% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.60%
(Tier: 1.32%, National: 1.30%)
better than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

435
Non-Interest-Bearing Deposit Share
funding
Value: 30.55%
Peer Median: 22.03%
#435 of 2643 Top 16.4% in $100M-$1B
651
Loan-to-Deposit Ratio
liquidity
Value: 65.90%
Peer Median: 77.95%
#651 of 2643 Top 24.6% in $100M-$1B

Top Weaknesses (2 metrics)

2422
Delinquency Rate
credit_quality
Value: 2.61%
Peer Median: 0.92%
#2422 of 2633 Bottom 8.1% in $100M-$1B
2378
Nonperforming Asset Ratio
credit_quality
Value: 1.69%
Peer Median: 0.67%
#2378 of 2643 Bottom 10.1% in $100M-$1B
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