BlastPoint's Banking Scorecard
Caldwell Bank & Trust Company
Columbia, LA
6 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 -0.1% year over year ($257.6M on the books).
- Delinquency rate 2.90%.
- Return on assets 0.98%.
- Efficiency ratio 78.94% vs a 64.48% peer average.
- Loan-to-deposit ratio 87.62% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Caldwell Bank & Trust Company has 2 strengths but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 42.1% in tier
- + Net Interest Margin 0.45% above tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 7.2% in tier
- - Capital Thin: Bottom 15.1% in tier
- - Flatlined Growth: Bottom 39.7% in tier
- - Delinquency Rate 1.98% above tier average
- - Nonperforming Asset Ratio 1.77% above tier average
- - Efficiency Ratio 14.46% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$298.6M
+0.7% YoY
+1.8% QoQ
|
-$88.0M |
$386.6M
+1.2% YoY
|
$799.3M
+7.8% YoY
|
$6.3B
+7.7% YoY
|
46% |
| Total Loans ? |
$225.7M
-3.6% YoY
+5.1% QoQ
|
-$32.7M |
$258.3M
+1.7% YoY
|
$538.5M
+5.3% YoY
|
$3.2B
+9.4% YoY
|
54% |
| Total Deposits ? |
$257.6M
-0.1% YoY
-0.7% QoQ
|
-$69.1M |
$326.7M
+0.7% YoY
|
$677.9M
+7.3% YoY
|
$4.9B
+7.3% YoY
|
46% |
| Return on Assets ? |
0.98%
-28.6% YoY
-30.4% QoQ
|
-0.34% |
1.32%
+10.8% YoY
|
1.37%
+23.6% YoY
|
1.30%
+12.1% YoY
|
33% |
| Net Interest Margin ? |
4.44%
-6.3% YoY
-1.1% QoQ
|
+0.45% |
3.99%
+5.0% YoY
|
4.15%
+0.0% YoY
|
3.95%
+4.9% YoY
|
77% |
| Efficiency Ratio ? |
78.94%
+10.0% YoY
+13.3% QoQ
|
+14.46% |
64.48%
-3.2% YoY
|
69.40%
-0.9% YoY
|
70.05%
+2.5% YoY
|
Bottom 14.8% in tier |
| Delinquency Rate ? |
2.90%
+31.7% YoY
-20.1% QoQ
|
+1.98% |
0.92%
+15.7% YoY
|
1.53%
+7.9% YoY
|
0.98%
+16.3% YoY
|
Bottom 6.6% in tier |
| Loan-to-Deposit Ratio ? |
87.62%
-3.5% YoY
+5.9% QoQ
|
+9.66% |
77.95%
+1.0% YoY
|
77.15%
-1.0% YoY
|
79.03%
+2.3% YoY
|
32% |
| Non-Interest-Bearing Deposit Share ? |
14.82%
+1.3% YoY
-4.7% QoQ
|
-7.21% |
22.03%
-0.6% YoY
|
24.65%
+0.5% YoY
|
21.98%
-0.6% YoY
|
24% |
| Nonperforming Asset Ratio ? |
2.44%
+19.1% YoY
-16.1% QoQ
|
+1.77% |
0.67%
+16.4% YoY
|
1.11%
+4.1% YoY
|
0.69%
+15.8% YoY
|
Bottom 5.0% in tier |
| Tier 1 Capital Ratio ? |
10.03%
+6.6% YoY
-0.0% QoQ
|
-5.88% |
15.91%
+1.4% YoY
|
17.35%
+5.4% YoY
|
17.09%
+0.8% YoY
|
Bottom 11.2% in tier |
| Non-Interest Income / Assets ? |
0.64%
+49.8% YoY
+119.9% QoQ
|
+0.08% |
0.57%
+7.6% YoY
|
0.33%
+19.6% YoY
|
0.66%
+5.2% YoY
|
Top 6.4% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
14.8%
+0.2pp YoY -0.7pp QoQ |
-7.3pp | 22.1% | 24.6% | 22.2% | 23% |
| Brokered Deposits |
10.2%
-7.1pp YoY -3.5pp QoQ |
+2.4pp | 7.9% | 6.7% | 8.5% | 76% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
4.7%
+0.8pp YoY -0.7pp QoQ |
-6.9pp | 11.6% | 12.6% | 12.5% | 18% |
| CRE |
27.9%
-5.3pp YoY -2.0pp QoQ |
-11.6pp | 39.5% | 44.9% | 41.4% | 31% |
| 1-4 Family |
20.2%
+2.5pp YoY -0.6pp QoQ |
-12.4pp | 32.6% | 34.2% | 31.3% | 30% |
| Consumer |
4.6%
+1.4pp YoY +0.8pp QoQ |
+0.4pp | 4.1% | 4.2% | 5.0% | 75% |
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 |
10.0%
+0.6pp YoY 0.0pp QoQ |
-2.1pp | 12.2% | 13.4% | 12.6% | 32% |
| 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
-1 (-1.6%) YoY 0 QoQ |
+2 | 58 | 114 | 482 | 64% |
| Assets per Employee ($) |
$4.9M
+2.3% YoY +1.8% QoQ |
-$2.6M | $7.5M | $6.8M | $8.8M | 13% |
| Branch Count |
6
+1 (+20.0%) YoY +1 (+20.0%) QoQ |
+1 | 4 | 9 | 18 | 66% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
1.1%
-0.3pp YoY -1.1pp QoQ |
+0.8pp | 0.3% | 0.4% | 0.4% | 93% |
| Nonaccrual |
1.8%
+1.0pp YoY +0.4pp QoQ |
+0.8pp | 0.9% | 1.4% | 1.0% | 85% |
| Allowance Coverage |
0.40x
-22.5% YoY +21.8% QoQ |
-23.75x | 24.15x | 27.36x | 20.23x | 6% |
| Net Charge-off Rate (YTD) |
0.0%
-0.2pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 46% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.0%
-5.5pp YoY -4.4pp QoQ |
-2.2pp | 12.2% | 12.5% | 11.6% | 37% |
| Cost of Funds (YTD) |
2.8%
-0.1pp YoY +0.2pp QoQ |
+1.0pp | 1.7% | 1.7% | 1.7% | 95% |
| Net Income ($, YTD) |
$1.4M
-27.5% YoY — QoQ |
-$1.1M | $2.6M | $5.1M | $40.4M | 40% |
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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 (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (3)
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.
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.