BlastPoint's Banking Scorecard

BOM Bank

$1B-$10B Specialty: Commercial LA FDIC cert 1373

Designations: ✓ Community bank ✓ CDFI-certified

Natchitoches, LA

26 branches across LA · TX

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 885 banks in the $1B-$10B peer group nationwide — 1 of 18 in LA.
Deposits +18.2% year over year ($1.4B on the books).
Delinquency rate 0.86%.
Return on assets 1.00%.
Efficiency ratio 68.54% vs a 59.73% peer average.
Loan-to-deposit ratio 86.64% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 18 in LA

View $1B-$10B leaderboard (LA) →

BOM Bank has 1 strength 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

+ Net Interest Margin 0.18% above tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 9.4% in tier
- NIB Deposit Bleed: Bottom 52.2% in tier
- Cost Spiral: Bottom 87.1% in tier

Get updates when BOM 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 ?	$1.6B +16.4% YoY +5.7% QoQ	-$1.2B	$2.8B -0.6% YoY	$799.3M +7.8% YoY	$6.3B +7.7% YoY	39%
Total Loans ?	$1.2B +16.5% YoY +4.9% QoQ	-$763.7M	$2.0B -0.3% YoY	$538.5M +5.3% YoY	$3.2B +9.4% YoY	43%
Total Deposits ?	$1.4B +18.2% YoY +4.6% QoQ	-$934.3M	$2.3B -0.5% YoY	$677.9M +7.3% YoY	$4.9B +7.3% YoY	40%
Return on Assets ?	1.00% -40.2% YoY -20.5% QoQ	-0.39%	1.39% +17.0% YoY	1.37% +23.6% YoY	1.30% +12.1% YoY	30%
Net Interest Margin ?	4.05% -0.4% YoY +0.8% QoQ	+0.18%	3.87% +6.2% YoY	4.15% +0.0% YoY	3.95% +4.9% YoY	71%
Efficiency Ratio ?	68.54% +21.9% YoY +6.8% QoQ	+8.81%	59.73% -12.6% YoY	69.40% -0.9% YoY	70.05% +2.5% YoY	24%
Delinquency Rate ?	0.86% -46.0% YoY -30.9% QoQ	+0.00%	0.87% +11.7% YoY	1.53% +7.9% YoY	0.98% +16.3% YoY	32%
Loan-to-Deposit Ratio ?	86.64% -1.5% YoY +0.2% QoQ	+1.60%	85.04% -0.1% YoY	77.15% -1.0% YoY	79.03% +2.3% YoY	51%
Non-Interest-Bearing Deposit Share ?	16.04% -16.0% YoY -1.9% QoQ	-5.23%	21.27% -1.5% YoY	24.65% +0.5% YoY	21.98% -0.6% YoY	32%
Nonperforming Asset Ratio ?	0.96% -19.6% YoY -30.3% QoQ	+0.29%	0.67% +11.7% YoY	1.11% +4.1% YoY	0.69% +15.8% YoY	23%
Tier 1 Capital Ratio ?	10.64% -6.0% YoY -3.0% QoQ	-4.21%	14.84% -0.4% YoY	17.35% +5.4% YoY	17.09% +0.8% YoY	Bottom 12.7% in tier
Non-Interest Income / Assets ?	0.27% -63.2% YoY +23.0% QoQ	-0.25%	0.53% +2.5% YoY	0.33% +19.6% YoY	0.66% +5.2% YoY	46%

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	16.0% -3.1pp YoY -0.3pp QoQ	-5.3pp	21.4%	24.6%	22.2%	31%
Brokered Deposits	17.5% -3.1pp YoY -0.8pp QoQ	+8.1pp	9.5%	6.7%	8.5%	86%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
C&I	13.3% +0.9pp YoY +0.5pp QoQ	-0.7pp	14.0%	12.6%	12.5%	62%
CRE	52.2% -1.0pp YoY -0.4pp QoQ	+2.2pp	50.0%	44.9%	41.4%	58%
1-4 Family	25.4% -0.9pp YoY -0.4pp QoQ	-1.0pp	26.4%	34.2%	31.3%	56%
Consumer	1.2% -0.3pp YoY -0.1pp QoQ	-3.5pp	4.7%	4.2%	5.0%	50%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	15.6%	22.5%	19.7%	n/a
Leverage Ratio	10.6% -0.7pp YoY -0.3pp QoQ	-0.7pp	11.3%	13.4%	12.6%	52%
Total Capital Ratio	n/a	n/a	16.7%	23.6%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Full-Time Employees	239 +7 (+3.0%) YoY +1 (+0.4%) QoQ	-75	313	114	482	51%
Assets per Employee ($)	$6.7M +13.0% YoY +5.2% QoQ	-$3.7M	$10.5M	$6.8M	$8.8M	21%
Branch Count	26 +1 (+4.0%) YoY +1 (+4.0%) QoQ	+6	20	9	18	77%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Past Due 90+ Days	0.7% -0.5pp YoY -0.1pp QoQ	+0.5pp	0.2%	0.4%	0.4%	95%
Nonaccrual	0.2% -0.2pp YoY -0.3pp QoQ	-0.6pp	0.8%	1.4%	1.0%	22%
Allowance Coverage	0.89x +93.6% YoY +41.0% QoQ	-17.82x	18.71x	27.36x	20.23x	19%
Net Charge-off Rate (YTD)	0.2% -0.1pp YoY -0.1pp QoQ	-0.1pp	0.3%	0.1%	0.2%	80%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
ROE	9.5% -5.9pp YoY -2.4pp QoQ	-3.1pp	12.6%	12.5%	11.6%	30%
Cost of Funds (YTD)	2.3% -0.3pp YoY 0.0pp QoQ	+0.3pp	1.9%	1.7%	1.7%	76%
Net Income ($, YTD)	$7.8M -33.5% YoY — QoQ	-$11.5M	$19.2M	$5.1M	$40.4M	29%

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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 (3)

Margin Compression

decline

#9 of 85 • Bottom 9.4% 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: 1.00%

(Tier: 1.39%, National: 1.30%)

worse than tier avg

85 of 85 Mid-Market banks match · 413 nationally

→ Stable +8 banks QoQ | QoQ rank improving

NIB Deposit Bleed

decline

#25 of 46 • Bottom 52.2% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 16.04%

(Tier: 21.27%, National: 21.98%)

worse than tier avg

46 of 46 Mid-Market banks match · 211 nationally

↓ Shrinking -26 banks QoQ

Cost Spiral

risk

#28 of 31 • Bottom 87.1% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature

Efficiency Ratio: 68.54%

(Tier: 59.73%, National: 70.05%)

worse than tier avg

31 of 31 Mid-Market banks match · 184 nationally

→ Stable +9 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).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (3 metrics)

774

Tier 1 Capital Ratio

capital

Value: 10.64%

Peer Median: 14.84%

#774 of 885 Bottom 12.7% in $1B-$10B

683

Nonperforming Asset Ratio

credit_quality

Value: 0.96%

Peer Median: 0.67%

#683 of 885 Bottom 22.9% in $1B-$10B

676

Efficiency Ratio

profitability

Value: 68.54%

Peer Median: 59.73%

#676 of 885 Bottom 23.7% in $1B-$10B