BlastPoint's Banking Scorecard
The Bank of Commerce
Designations: ✓ Community bank
White Castle, 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 536 banks in the under $100M peer group nationwide — 1 of 11 in LA.
- Deposits +13.8% year over year ($73.0M on the books).
- Delinquency rate 0.07%.
- Return on assets 0.91%.
- Efficiency ratio 73.86% vs a 119.40% peer average.
- Loan-to-deposit ratio 50.99% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Bank of Commerce has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 45.54% below tier average
- + Delinquency Rate 1.41% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.09% below tier average
- - Net Interest Margin 0.39% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$81.5M
+12.7% YoY
-7.8% QoQ
|
+$19.0M |
$62.4M
-0.0% YoY
|
$799.3M
+7.8% YoY
|
$6.3B
+7.7% YoY
|
73% |
| Total Loans ? |
$37.2M
-9.6% YoY
+5.6% QoQ
|
+$2.3M |
$34.9M
-0.6% YoY
|
$538.5M
+5.3% YoY
|
$3.2B
+9.4% YoY
|
58% |
| Total Deposits ? |
$73.0M
+13.8% YoY
-8.7% QoQ
|
+$21.4M |
$51.6M
-0.2% YoY
|
$677.9M
+7.3% YoY
|
$4.9B
+7.3% YoY
|
80% |
| Return on Assets ? |
0.91%
-14.8% YoY
-11.0% QoQ
|
-0.09% |
1.00%
+3.5% YoY
|
1.37%
+23.6% YoY
|
1.30%
+12.1% YoY
|
46% |
| Net Interest Margin ? |
3.53%
-9.3% YoY
-0.8% QoQ
|
-0.39% |
3.91%
+2.3% YoY
|
4.15%
+0.0% YoY
|
3.95%
+4.9% YoY
|
30% |
| Efficiency Ratio ? |
73.86%
+2.9% YoY
+4.2% QoQ
|
-45.54% |
119.40%
+49.6% YoY
|
69.40%
-0.9% YoY
|
70.05%
+2.5% YoY
|
44% |
| Delinquency Rate ? |
0.07%
+858.7% YoY
-68.0% QoQ
|
-1.41% |
1.48%
+31.8% YoY
|
1.53%
+7.9% YoY
|
0.98%
+16.3% YoY
|
67% |
| Loan-to-Deposit Ratio ? |
50.99%
-20.6% YoY
+15.7% QoQ
|
-23.22% |
74.21%
+12.6% YoY
|
77.15%
-1.0% YoY
|
79.03%
+2.3% YoY
|
70% |
| Non-Interest-Bearing Deposit Share ? |
26.78%
-18.9% YoY
-7.7% QoQ
|
+3.29% |
23.49%
+0.6% YoY
|
24.65%
+0.5% YoY
|
21.98%
-0.6% YoY
|
65% |
| Nonperforming Asset Ratio ? |
0.03%
+669.1% YoY
-63.4% QoQ
|
-0.80% |
0.84%
+23.0% YoY
|
1.11%
+4.1% YoY
|
0.69%
+15.8% YoY
|
68% |
| Tier 1 Capital Ratio ? |
10.63%
-3.1% YoY
+9.6% QoQ
|
-16.49% |
27.13%
+3.0% YoY
|
17.35%
+5.4% YoY
|
17.09%
+0.8% YoY
|
Bottom 9.7% in tier |
| Non-Interest Income / Assets ? |
0.08%
-12.5% YoY
+108.0% QoQ
|
-1.30% |
1.38%
+6.3% YoY
|
0.33%
+19.6% YoY
|
0.66%
+5.2% YoY
|
34% |
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 |
26.8%
-6.2pp YoY -2.2pp QoQ |
+2.1pp | 24.6% | 24.6% | 22.2% | 63% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 |
18.1%
-0.3pp YoY -1.3pp QoQ |
+4.7pp | 13.4% | 12.6% | 12.5% | 76% |
| CRE |
40.7%
-3.4pp YoY -0.6pp QoQ |
+15.4pp | 25.2% | 44.9% | 41.4% | 84% |
| 1-4 Family |
20.0%
+0.2pp YoY -1.6pp QoQ |
-15.0pp | 35.0% | 34.2% | 31.3% | 36% |
| Consumer |
4.3%
-0.1pp YoY -0.9pp QoQ |
-3.4pp | 7.7% | 4.2% | 5.0% | 44% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 22.5% | 19.7% | n/a |
| Leverage Ratio |
10.6%
-0.3pp YoY +0.9pp QoQ |
-7.1pp | 17.7% | 13.4% | 12.6% | 25% |
| Total Capital Ratio | n/a | n/a | 39.7% | 23.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
15
0 YoY 0 QoQ |
+3 | 12 | 114 | 482 | 73% |
| Assets per Employee ($) |
$5.4M
+12.7% YoY -7.8% QoQ |
-$756K | $6.2M | $6.8M | $8.8M | 43% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 9 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
+0.1pp YoY -0.1pp QoQ |
-0.9pp | 1.0% | 0.4% | 0.4% | 22% |
| Nonaccrual | n/a | n/a | 1.7% | 1.4% | 1.0% | n/a |
| Allowance Coverage |
16.08x
-87.8% YoY +182.6% QoQ |
+9.67x | 6.41x | 27.36x | 20.23x | 92% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.7%
-1.4pp YoY -1.5pp QoQ |
+3.3pp | 6.4% | 12.5% | 11.6% | 60% |
| Cost of Funds (YTD) |
1.6%
-0.2pp YoY +0.1pp QoQ |
+0.2pp | 1.4% | 1.7% | 1.7% | 62% |
| Net Income ($, YTD) |
$394,000
-6.9% YoY — QoQ |
+$76K | $317,817 | $5.1M | $40.4M | 63% |
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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.