BlastPoint's Banking Scorecard
BOM Bank
Designations: ✓ Community bank ✓ CDFI-certified
Natchitoches, LA
26 branches across LA · TX
BOM Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.20% above tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 38.1% in tier
- - Cost Spiral: Bottom 51.6% in tier
- - Delinquency Rate 0.36% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.5B
+12.1% YoY
+0.1% QoQ
|
-$1.3B |
$2.8B
-0.1% YoY
|
$784.8M
+7.0% YoY
|
$6.2B
+9.1% YoY
|
35% |
| Total Loans ? |
$1.1B
+12.7% YoY
+2.0% QoQ
|
-$821.0M |
$2.0B
+0.6% YoY
|
$523.7M
+4.0% YoY
|
$3.2B
+10.8% YoY
|
40% |
| Total Deposits ? |
$1.3B
+10.9% YoY
-0.5% QoQ
|
-$1.0B |
$2.3B
-0.3% YoY
|
$671.5M
+6.9% YoY
|
$4.8B
+8.2% YoY
|
38% |
| Return on Assets ? |
1.26%
-24.9% YoY
+2.0% QoQ
|
-0.10% |
1.37%
+19.6% YoY
|
1.24%
+12.4% YoY
|
1.23%
+13.4% YoY
|
54% |
| Net Interest Margin ? |
4.02%
+5.6% YoY
-4.3% QoQ
|
+0.20% |
3.82%
+6.9% YoY
|
4.12%
+1.2% YoY
|
3.89%
+5.7% YoY
|
72% |
| Efficiency Ratio ? |
64.20%
+14.8% YoY
+4.9% QoQ
|
+3.14% |
61.06%
-4.6% YoY
|
70.37%
-1.0% YoY
|
66.95%
-4.1% YoY
|
37% |
| Delinquency Rate ? |
1.25%
-31.1% YoY
+5.3% QoQ
|
+0.36% |
0.89%
+14.1% YoY
|
1.51%
+4.5% YoY
|
0.95%
+18.8% YoY
|
21% |
| Loan-to-Deposit Ratio ? |
86.43%
+1.6% YoY
+2.4% QoQ
|
+2.22% |
84.20%
+0.3% YoY
|
75.16%
-1.5% YoY
|
76.70%
+0.9% YoY
|
50% |
| Non-Interest-Bearing Deposit Share ? |
16.36%
-6.3% YoY
+1.7% QoQ
|
-4.93% |
21.29%
-2.5% YoY
|
24.55%
-1.4% YoY
|
22.01%
-1.2% YoY
|
33% |
| Nonperforming Asset Ratio ? |
1.38%
+1.9% YoY
+13.8% QoQ
|
+0.71% |
0.67%
+15.6% YoY
|
1.07%
+4.2% YoY
|
0.67%
+19.3% YoY
|
Bottom 11.9% in tier |
| Tier 1 Capital Ratio ? |
10.97%
-1.4% YoY
+1.5% QoQ
|
-4.19% |
15.16%
+2.0% YoY
|
16.56%
+0.4% YoY
|
17.06%
+0.8% YoY
|
17% |
| Non-Interest Income / Assets ? |
0.22%
-39.0% YoY
-80.4% QoQ
|
-0.04% |
0.26%
+1.6% YoY
|
0.11%
-17.3% YoY
|
0.32%
+4.1% YoY
|
76% |
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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 (2)
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.
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.