BlastPoint's Banking Scorecard
CLB The Community Bank
Designations: ✓ CDFI-certified
Jonesville, LA
7 branches across LA
CLB The Community Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.16% above tier average
- + Net Interest Margin 0.25% above tier average
- + Efficiency Ratio 3.30% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 39.0% in tier
- - Delinquency Rate 1.55% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$343.9M
+9.1% YoY
+4.8% QoQ
|
-$42.2M |
$386.1M
+0.5% YoY
|
$784.8M
+7.0% YoY
|
$6.2B
+9.1% YoY
|
53% |
| Total Loans ? |
$205.5M
-7.2% YoY
-2.8% QoQ
|
-$50.2M |
$255.7M
+1.1% YoY
|
$523.7M
+4.0% YoY
|
$3.2B
+10.8% YoY
|
50% |
| Total Deposits ? |
$307.3M
+8.9% YoY
+5.2% QoQ
|
-$20.7M |
$328.0M
+0.1% YoY
|
$671.5M
+6.9% YoY
|
$4.8B
+8.2% YoY
|
56% |
| Return on Assets ? |
1.43%
-23.3% YoY
-23.3% QoQ
|
+0.16% |
1.27%
+12.9% YoY
|
1.24%
+12.4% YoY
|
1.23%
+13.4% YoY
|
64% |
| Net Interest Margin ? |
4.18%
-6.5% YoY
-10.4% QoQ
|
+0.25% |
3.93%
+6.0% YoY
|
4.12%
+1.2% YoY
|
3.89%
+5.7% YoY
|
67% |
| Efficiency Ratio ? |
61.98%
+8.6% YoY
+5.0% QoQ
|
-3.30% |
65.29%
-4.5% YoY
|
70.37%
-1.0% YoY
|
66.95%
-4.1% YoY
|
54% |
| Delinquency Rate ? |
2.44%
-2.8% YoY
+0.3% QoQ
|
+1.55% |
0.89%
+18.8% YoY
|
1.51%
+4.5% YoY
|
0.95%
+18.8% YoY
|
Bottom 8.8% in tier |
| Loan-to-Deposit Ratio ? |
66.88%
-14.8% YoY
-7.6% QoQ
|
-9.75% |
76.64%
+0.8% YoY
|
75.16%
-1.5% YoY
|
76.70%
+0.9% YoY
|
72% |
| Non-Interest-Bearing Deposit Share ? |
29.03%
+29.2% YoY
+29.7% QoQ
|
+7.01% |
22.02%
-1.0% YoY
|
24.55%
-1.4% YoY
|
22.01%
-1.2% YoY
|
79% |
| Nonperforming Asset Ratio ? |
1.60%
-14.6% YoY
-12.5% QoQ
|
+0.96% |
0.64%
+19.7% YoY
|
1.07%
+4.2% YoY
|
0.67%
+19.3% YoY
|
Bottom 10.4% in tier |
| Tier 1 Capital Ratio ? |
11.33%
+3.6% YoY
+0.5% QoQ
|
-4.50% |
15.83%
+1.5% YoY
|
16.56%
+0.4% YoY
|
17.06%
+0.8% YoY
|
27% |
| Non-Interest Income / Assets ? |
0.10%
-28.1% YoY
-78.8% QoQ
|
-0.18% |
0.28%
+9.3% YoY
|
0.11%
-17.3% YoY
|
0.32%
+4.1% YoY
|
54% |
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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 (0)
Concerns (1)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.