BlastPoint's Banking Scorecard
JD Bank
Designations: ✓ Community bank
Jennings, LA
25 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 885 banks in the $1B-$10B peer group nationwide — 1 of 18 in LA.
- Deposits +7.1% year over year ($1.1B on the books).
- Delinquency rate 0.41%.
- Return on assets 1.11%.
- Efficiency ratio 70.56% vs a 59.73% peer average.
- Loan-to-deposit ratio 68.84% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
JD Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.41% above tier average
- + Delinquency Rate 0.46% below tier average
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 37.0% in tier
- - ROA 0.28% below tier average
- - Efficiency Ratio 10.83% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.3B
+4.1% YoY
-0.0% QoQ
|
-$1.5B |
$2.8B
-0.6% YoY
|
$799.3M
+7.8% YoY
|
$6.3B
+7.7% YoY
|
21% |
| Total Loans ? |
$771.6M
+1.8% YoY
+1.1% QoQ
|
-$1.2B |
$2.0B
-0.3% YoY
|
$538.5M
+5.3% YoY
|
$3.2B
+9.4% YoY
|
Bottom 12.0% in tier |
| Total Deposits ? |
$1.1B
+7.1% YoY
-0.3% QoQ
|
-$1.2B |
$2.3B
-0.5% YoY
|
$677.9M
+7.3% YoY
|
$4.9B
+7.3% YoY
|
25% |
| Return on Assets ? |
1.11%
+2.6% YoY
+5.5% QoQ
|
-0.28% |
1.39%
+17.0% YoY
|
1.37%
+23.6% YoY
|
1.30%
+12.1% YoY
|
38% |
| Net Interest Margin ? |
4.28%
+2.6% YoY
+1.0% QoQ
|
+0.41% |
3.87%
+6.2% YoY
|
4.15%
+0.0% YoY
|
3.95%
+4.9% YoY
|
80% |
| Efficiency Ratio ? |
70.56%
-0.8% YoY
+0.5% QoQ
|
+10.83% |
59.73%
-12.6% YoY
|
69.40%
-0.9% YoY
|
70.05%
+2.5% YoY
|
20% |
| Delinquency Rate ? |
0.41%
-43.6% YoY
-8.9% QoQ
|
-0.46% |
0.87%
+11.7% YoY
|
1.53%
+7.9% YoY
|
0.98%
+16.3% YoY
|
60% |
| Loan-to-Deposit Ratio ? |
68.84%
-4.9% YoY
+1.4% QoQ
|
-16.19% |
85.04%
-0.1% YoY
|
77.15%
-1.0% YoY
|
79.03%
+2.3% YoY
|
Top 14.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
18.25%
-20.4% YoY
-2.6% QoQ
|
-3.02% |
21.27%
-1.5% YoY
|
24.65%
+0.5% YoY
|
21.98%
-0.6% YoY
|
42% |
| Nonperforming Asset Ratio ? |
0.45%
-28.5% YoY
-3.5% QoQ
|
-0.22% |
0.67%
+11.7% YoY
|
1.11%
+4.1% YoY
|
0.69%
+15.8% YoY
|
47% |
| Tier 1 Capital Ratio ? |
16.78%
+5.4% YoY
+0.6% QoQ
|
+1.94% |
14.84%
-0.4% YoY
|
17.35%
+5.4% YoY
|
17.09%
+0.8% YoY
|
84% |
| Non-Interest Income / Assets ? |
0.46%
+8.0% YoY
+93.6% QoQ
|
-0.07% |
0.53%
+2.5% YoY
|
0.33%
+19.6% YoY
|
0.66%
+5.2% YoY
|
77% |
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 |
18.3%
-4.7pp YoY -0.5pp QoQ |
-3.1pp | 21.4% | 24.6% | 22.2% | 41% |
| Brokered Deposits | n/a | n/a | 9.5% | 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 |
8.7%
-2.6pp YoY +0.7pp QoQ |
-5.3pp | 14.0% | 12.6% | 12.5% | 38% |
| CRE |
61.2%
+1.5pp YoY -0.4pp QoQ |
+11.1pp | 50.0% | 44.9% | 41.4% | 77% |
| 1-4 Family |
25.1%
+1.3pp YoY -0.2pp QoQ |
-1.4pp | 26.4% | 34.2% | 31.3% | 55% |
| Consumer |
3.9%
-0.3pp YoY -0.1pp QoQ |
-0.8pp | 4.7% | 4.2% | 5.0% | 78% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
16.8%
+0.9pp YoY +0.1pp QoQ |
+1.2pp | 15.6% | 22.5% | 19.7% | 82% |
| Leverage Ratio |
11.9%
+0.2pp YoY +0.1pp QoQ |
+0.6pp | 11.3% | 13.4% | 12.6% | 75% |
| Total Capital Ratio |
17.8%
+0.8pp YoY +0.1pp QoQ |
+1.1pp | 16.7% | 23.6% | 20.8% | 81% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
261
+4 (+1.6%) YoY -4 (-1.5%) QoQ |
-53 | 313 | 114 | 482 | 58% |
| Assets per Employee ($) |
$4.8M
+2.5% YoY +1.5% QoQ |
-$5.7M | $10.5M | $6.8M | $8.8M | 3% |
| Branch Count |
25
-1 (-3.8%) YoY 0 QoQ |
+5 | 20 | 9 | 18 | 75% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.4%
-0.3pp YoY 0.0pp QoQ |
-0.4pp | 0.8% | 1.4% | 1.0% | 41% |
| Allowance Coverage |
2.81x
+63.3% YoY +5.4% QoQ |
-15.90x | 18.71x | 27.36x | 20.23x | 60% |
| Net Charge-off Rate (YTD) |
0.1%
+0.1pp YoY +0.1pp QoQ |
-0.2pp | 0.3% | 0.1% | 0.2% | 61% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.9%
-0.9pp YoY +0.5pp QoQ |
-1.7pp | 12.6% | 12.5% | 11.6% | 41% |
| Cost of Funds (YTD) |
1.1%
0.0pp YoY 0.0pp QoQ |
-0.8pp | 1.9% | 1.7% | 1.7% | 8% |
| Net Income ($, YTD) |
$7.0M
+7.8% YoY — QoQ |
-$12.3M | $19.2M | $5.1M | $40.4M | 23% |
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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 (1)
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.