BlastPoint's Banking Scorecard
Community Bank of Louisiana
Mansfield, LA
12 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 +3.5% year over year ($791.6M on the books).
- Delinquency rate 0.01%.
- Return on assets 1.56%.
- Efficiency ratio 54.63% vs a 64.48% peer average.
- Loan-to-deposit ratio 35.32% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Community Bank of Louisiana has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.23% above tier average
- + Efficiency Ratio 9.85% below tier average
- + Delinquency Rate 0.91% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.90% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$852.9M
+6.6% YoY
-0.2% QoQ
|
+$466.3M |
$386.6M
+1.2% YoY
|
$799.3M
+7.8% YoY
|
$6.3B
+7.7% YoY
|
Top 5.6% in tier |
| Total Loans ? |
$279.6M
+3.9% YoY
-2.1% QoQ
|
+$21.3M |
$258.3M
+1.7% YoY
|
$538.5M
+5.3% YoY
|
$3.2B
+9.4% YoY
|
64% |
| Total Deposits ? |
$791.6M
+3.5% YoY
-0.2% QoQ
|
+$464.9M |
$326.7M
+0.7% YoY
|
$677.9M
+7.3% YoY
|
$4.9B
+7.3% YoY
|
Top 2.5% in tier |
| Return on Assets ? |
1.56%
+30.4% YoY
+16.5% QoQ
|
+0.23% |
1.32%
+10.8% YoY
|
1.37%
+23.6% YoY
|
1.30%
+12.1% YoY
|
69% |
| Net Interest Margin ? |
3.08%
+8.0% YoY
+6.6% QoQ
|
-0.90% |
3.99%
+5.0% YoY
|
4.15%
+0.0% YoY
|
3.95%
+4.9% YoY
|
Bottom 12.3% in tier |
| Efficiency Ratio ? |
54.63%
-10.5% YoY
-6.0% QoQ
|
-9.85% |
64.48%
-3.2% YoY
|
69.40%
-0.9% YoY
|
70.05%
+2.5% YoY
|
73% |
| Delinquency Rate ? |
0.01%
-96.5% YoY
-99.4% QoQ
|
-0.91% |
0.92%
+15.7% YoY
|
1.53%
+7.9% YoY
|
0.98%
+16.3% YoY
|
Top 13.8% in tier |
| Loan-to-Deposit Ratio ? |
35.32%
+0.3% YoY
-1.8% QoQ
|
-42.63% |
77.95%
+1.0% YoY
|
77.15%
-1.0% YoY
|
79.03%
+2.3% YoY
|
Top 2.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
27.44%
+10.7% YoY
+3.2% QoQ
|
+5.41% |
22.03%
-0.6% YoY
|
24.65%
+0.5% YoY
|
21.98%
-0.6% YoY
|
75% |
| Nonperforming Asset Ratio ? |
0.20%
-50.7% YoY
-67.9% QoQ
|
-0.47% |
0.67%
+16.4% YoY
|
1.11%
+4.1% YoY
|
0.69%
+15.8% YoY
|
61% |
| Tier 1 Capital Ratio ? |
10.13%
-52.3% YoY
+0.4% QoQ
|
-5.78% |
15.91%
+1.4% YoY
|
17.35%
+5.4% YoY
|
17.09%
+0.8% YoY
|
Bottom 12.5% in tier |
| Non-Interest Income / Assets ? |
0.26%
+47.2% YoY
+118.1% QoQ
|
-0.31% |
0.57%
+7.6% YoY
|
0.33%
+19.6% YoY
|
0.66%
+5.2% YoY
|
65% |
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 |
27.4%
+2.6pp YoY +0.8pp QoQ |
+5.3pp | 22.1% | 24.6% | 22.2% | 74% |
| Brokered Deposits |
0.8%
-0.7pp YoY -0.6pp QoQ |
-7.1pp | 7.9% | 6.7% | 8.5% | 15% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
10.3%
-3.1pp YoY -1.5pp QoQ |
-1.3pp | 11.6% | 12.6% | 12.5% | 54% |
| CRE |
63.0%
+2.8pp YoY -0.2pp QoQ |
+23.4pp | 39.5% | 44.9% | 41.4% | 87% |
| 1-4 Family |
19.3%
-0.6pp YoY +1.0pp QoQ |
-13.3pp | 32.6% | 34.2% | 31.3% | 28% |
| Consumer |
1.9%
-0.3pp YoY 0.0pp QoQ |
-2.2pp | 4.1% | 4.2% | 5.0% | 46% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 22.5% | 19.7% | n/a |
| Leverage Ratio |
10.1%
+0.7pp YoY 0.0pp QoQ |
-2.0pp | 12.2% | 13.4% | 12.6% | 34% |
| Total Capital Ratio | n/a | n/a | 19.9% | 23.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
117
+1 (+0.9%) YoY -2 (-1.7%) QoQ |
+58 | 58 | 114 | 482 | 92% |
| Assets per Employee ($) |
$7.3M
+5.7% YoY +1.5% QoQ |
-$229K | $7.5M | $6.8M | $8.8M | 57% |
| Branch Count |
12
0 YoY 0 QoQ |
+7 | 4 | 9 | 18 | 95% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.0%
-0.2pp YoY -1.5pp QoQ |
-0.9pp | 0.9% | 1.4% | 1.0% | 2% |
| Allowance Coverage |
64.09x
+2780.8% YoY +18707.5% QoQ |
+39.93x | 24.15x | 27.36x | 20.23x | 95% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.1% | 0.2% | 15% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
23.7%
-3.6pp YoY +2.8pp QoQ |
+11.5pp | 12.2% | 12.5% | 11.6% | 95% |
| Cost of Funds (YTD) |
1.4%
-0.1pp YoY 0.0pp QoQ |
-0.4pp | 1.7% | 1.7% | 1.7% | 28% |
| Net Income ($, YTD) |
$6.7M
+38.4% YoY — QoQ |
+$4.2M | $2.6M | $5.1M | $40.4M | 95% |
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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.