BlastPoint's Banking Scorecard
Patterson State Bank
Patterson, LA
3 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 +8.0% year over year ($296.3M on the books).
- Delinquency rate 1.80%.
- Return on assets 0.61%.
- Efficiency ratio 77.44% vs a 64.48% peer average.
- Loan-to-deposit ratio 64.20% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Patterson State Bank faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.71% below tier average
- - Net Interest Margin 0.96% below tier average
- - Efficiency Ratio 12.96% above tier average
- - Delinquency Rate 0.88% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$330.7M
+7.6% YoY
-0.4% QoQ
|
-$55.9M |
$386.6M
+1.2% YoY
|
$799.3M
+7.8% YoY
|
$6.3B
+7.7% YoY
|
51% |
| Total Loans ? |
$190.2M
-1.7% YoY
+0.1% QoQ
|
-$68.1M |
$258.3M
+1.7% YoY
|
$538.5M
+5.3% YoY
|
$3.2B
+9.4% YoY
|
46% |
| Total Deposits ? |
$296.3M
+8.0% YoY
-0.6% QoQ
|
-$30.5M |
$326.7M
+0.7% YoY
|
$677.9M
+7.3% YoY
|
$4.9B
+7.3% YoY
|
54% |
| Return on Assets ? |
0.61%
+74.5% YoY
+4.3% QoQ
|
-0.71% |
1.32%
+10.8% YoY
|
1.37%
+23.6% YoY
|
1.30%
+12.1% YoY
|
16% |
| Net Interest Margin ? |
3.03%
+4.4% YoY
+1.6% QoQ
|
-0.96% |
3.99%
+5.0% YoY
|
4.15%
+0.0% YoY
|
3.95%
+4.9% YoY
|
Bottom 10.7% in tier |
| Efficiency Ratio ? |
77.44%
-8.5% YoY
+0.2% QoQ
|
+12.96% |
64.48%
-3.2% YoY
|
69.40%
-0.9% YoY
|
70.05%
+2.5% YoY
|
17% |
| Delinquency Rate ? |
1.80%
+227.5% QoQ
|
+0.88% |
0.92%
+15.7% YoY
|
1.53%
+7.9% YoY
|
0.98%
+16.3% YoY
|
Bottom 14.7% in tier |
| Loan-to-Deposit Ratio ? |
64.20%
-9.0% YoY
+0.7% QoQ
|
-13.75% |
77.95%
+1.0% YoY
|
77.15%
-1.0% YoY
|
79.03%
+2.3% YoY
|
77% |
| Non-Interest-Bearing Deposit Share ? |
23.93%
-2.9% YoY
-3.6% QoQ
|
+1.90% |
22.03%
-0.6% YoY
|
24.65%
+0.5% YoY
|
21.98%
-0.6% YoY
|
62% |
| Nonperforming Asset Ratio ? |
1.16%
+268.5% QoQ
|
+0.49% |
0.67%
+16.4% YoY
|
1.11%
+4.1% YoY
|
0.69%
+15.8% YoY
|
17% |
| Tier 1 Capital Ratio ? |
17.03%
+3.1% YoY
-0.7% QoQ
|
+1.12% |
15.91%
+1.4% YoY
|
17.35%
+5.4% YoY
|
17.09%
+0.8% YoY
|
77% |
| Non-Interest Income / Assets ? |
0.15%
-8.9% YoY
+100.0% QoQ
|
-0.41% |
0.57%
+7.6% YoY
|
0.33%
+19.6% YoY
|
0.66%
+5.2% YoY
|
35% |
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 |
23.9%
-0.7pp YoY -0.9pp QoQ |
+1.8pp | 22.1% | 24.6% | 22.2% | 62% |
| 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 |
7.7%
-0.3pp YoY 0.0pp QoQ |
-3.8pp | 11.6% | 12.6% | 12.5% | 38% |
| CRE |
14.8%
+0.3pp YoY 0.0pp QoQ |
-24.7pp | 39.5% | 44.9% | 41.4% | 10% |
| 1-4 Family |
73.2%
+0.5pp YoY -0.1pp QoQ |
+40.6pp | 32.6% | 34.2% | 31.3% | 95% |
| Consumer |
3.7%
-0.2pp YoY 0.0pp QoQ |
-0.4pp | 4.1% | 4.2% | 5.0% | 67% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
17.0%
+0.5pp YoY -0.1pp QoQ |
-1.8pp | 18.8% | 22.5% | 19.7% | 64% |
| Leverage Ratio |
8.9%
-0.4pp YoY +0.1pp QoQ |
-3.3pp | 12.2% | 13.4% | 12.6% | 11% |
| Total Capital Ratio |
18.3%
+0.5pp YoY -0.1pp QoQ |
-1.7pp | 19.9% | 23.6% | 20.8% | 64% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
34
-3 (-8.1%) YoY -2 (-5.6%) QoQ |
-25 | 58 | 114 | 482 | 33% |
| Assets per Employee ($) |
$9.7M
+17.1% YoY +5.5% QoQ |
+$2.2M | $7.5M | $6.8M | $8.8M | 84% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 9 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
1.8%
+1.7pp YoY +1.3pp QoQ |
+0.9pp | 0.9% | 1.4% | 1.0% | 85% |
| Allowance Coverage |
0.64x
-95.5% YoY -73.8% QoQ |
-23.51x | 24.15x | 27.36x | 20.23x | 15% |
| Net Charge-off Rate (YTD) |
0.4%
+0.3pp YoY |
+0.2pp | 0.1% | 0.1% | 0.2% | 91% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
8.0%
+3.2pp YoY +0.2pp QoQ |
-4.2pp | 12.2% | 12.5% | 11.6% | 25% |
| Cost of Funds (YTD) |
1.7%
-0.2pp YoY 0.0pp QoQ |
0.0pp | 1.7% | 1.7% | 1.7% | 54% |
| Net Income ($, YTD) |
$1.0M
+83.6% YoY — QoQ |
-$1.5M | $2.6M | $5.1M | $40.4M | 28% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.