BlastPoint's Banking Scorecard

The Bank of Commerce

under $100M Specialty: Other LA FDIC cert 1374

Designations: ✓ Community bank

White Castle, LA

541 banks in the under $100M peer group nationally 11 in LA

The Bank of Commerce has 3 strengths but faces 1 concern

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

+ ROA 0.19% above tier average
+ Efficiency Ratio 17.46% below tier average
+ Delinquency Rate 1.15% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.31% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Total Assets ?	$88.4M +10.2% YoY -2.0% QoQ	+$26.3M	$62.2M -0.6% YoY	$784.8M +7.0% YoY	$6.2B +9.1% YoY	85%
Total Loans ?	$35.3M -7.5% YoY -6.2% QoQ	+$1.0M	$34.2M -1.4% YoY	$523.7M +4.0% YoY	$3.2B +10.8% YoY	55%
Total Deposits ?	$80.0M +10.9% YoY -2.2% QoQ	+$28.2M	$51.7M -0.7% YoY	$671.5M +6.9% YoY	$4.8B +8.2% YoY	Top 9.1% in tier
Return on Assets ?	1.02% -10.4% YoY +5.2% QoQ	+0.19%	0.84% -2.3% YoY	1.24% +12.4% YoY	1.23% +13.4% YoY	54%
Net Interest Margin ?	3.55% -6.5% YoY -4.9% QoQ	-0.31%	3.86% +2.8% YoY	4.12% +1.2% YoY	3.89% +5.7% YoY	34%
Efficiency Ratio ?	70.88% +2.3% YoY -3.5% QoQ	-17.46%	88.34% +0.3% YoY	70.37% -1.0% YoY	66.95% -4.1% YoY	51%
Delinquency Rate ?	0.22% +5.3% QoQ	-1.15%	1.37% +33.8% YoY	1.51% +4.5% YoY	0.95% +18.8% YoY	58%
Loan-to-Deposit Ratio ?	44.09% -16.6% YoY -4.1% QoQ	-20.13%	64.22% -0.7% YoY	75.16% -1.5% YoY	76.70% +0.9% YoY	75%
Non-Interest-Bearing Deposit Share ?	29.02% -11.3% YoY -11.8% QoQ	+5.30%	23.71% +0.3% YoY	24.55% -1.4% YoY	22.01% -1.2% YoY	71%
Nonperforming Asset Ratio ?	0.09% +0.7% QoQ	-0.70%	0.79% +28.2% YoY	1.07% +4.2% YoY	0.67% +19.3% YoY	61%
Tier 1 Capital Ratio ?	9.70% +0.8% YoY -11.0% QoQ	-16.98%	26.68% +2.0% YoY	16.56% +0.4% YoY	17.06% +0.8% YoY	Bottom 5.0% in tier
Non-Interest Income / Assets ?	0.04% -14.0% YoY -74.1% QoQ	-0.63%	0.67% +1.9% YoY	0.11% -17.3% YoY	0.32% +4.1% YoY	32%

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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 (0)

No matched concern signatures this quarter

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 541 peers in under $100M

Top Strengths (3 metrics)

Total Deposits

size

Value: $79.97M

Peer Median: $51.74M

#50 of 541 Top 9.1% in under $100M

Total Assets

size

Value: $88.41M

Peer Median: $62.16M

#84 of 541 Top 15.3% in under $100M

134

Loan-to-Deposit Ratio

liquidity

Value: 44.09%

Peer Median: 64.22%

#134 of 541 Top 24.6% in under $100M

Top Weaknesses (1 metrics)

515

Tier 1 Capital Ratio

capital

Value: 9.70%

Peer Median: 26.68%

#515 of 541 Bottom 5.0% in under $100M