BlastPoint's Banking Scorecard

JD Bank

$1B-$10B Specialty: Commercial LA FDIC cert 16546

Designations: ✓ Community bank

Jennings, LA

25 branches across LA

884 banks in the $1B-$10B peer group nationally 19 in LA

JD Bank has 2 strengths but faces 3 concerns

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

+ Net Interest Margin 0.42% above tier average
+ Delinquency Rate 0.44% below tier average

Key Concerns

Areas that may need attention

- NIB Deposit Bleed: Bottom 25.0% in tier
- ROA 0.32% below tier average
- Efficiency Ratio 9.11% above tier average

Get updates when JD Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Total Assets ?	$1.3B +6.0% YoY -0.0% QoQ	-$1.6B	$2.8B -0.1% YoY	$784.8M +7.0% YoY	$6.2B +9.1% YoY	21%
Total Loans ?	$762.9M +5.4% YoY +0.0% QoQ	-$1.2B	$2.0B +0.6% YoY	$523.7M +4.0% YoY	$3.2B +10.8% YoY	Bottom 11.3% in tier
Total Deposits ?	$1.1B +5.0% YoY -0.0% QoQ	-$1.2B	$2.3B -0.3% YoY	$671.5M +6.9% YoY	$4.8B +8.2% YoY	25%
Return on Assets ?	1.05% -2.9% YoY -9.6% QoQ	-0.32%	1.37% +19.6% YoY	1.24% +12.4% YoY	1.23% +13.4% YoY	37%
Net Interest Margin ?	4.24% +4.2% YoY +0.2% QoQ	+0.42%	3.82% +6.9% YoY	4.12% +1.2% YoY	3.89% +5.7% YoY	81%
Efficiency Ratio ?	70.17% -1.8% YoY +0.5% QoQ	+9.11%	61.06% -4.6% YoY	70.37% -1.0% YoY	66.95% -4.1% YoY	23%
Delinquency Rate ?	0.45% -40.8% YoY -11.7% QoQ	-0.44%	0.89% +14.1% YoY	1.51% +4.5% YoY	0.95% +18.8% YoY	57%
Loan-to-Deposit Ratio ?	67.88% +0.4% YoY +0.0% QoQ	-16.32%	84.20% +0.3% YoY	75.16% -1.5% YoY	76.70% +0.9% YoY	85%
Non-Interest-Bearing Deposit Share ?	18.74% -19.1% YoY -12.4% QoQ	-2.55%	21.29% -2.5% YoY	24.55% -1.4% YoY	22.01% -1.2% YoY	45%
Nonperforming Asset Ratio ?	0.47% -28.5% YoY -14.1% QoQ	-0.21%	0.67% +15.6% YoY	1.07% +4.2% YoY	0.67% +19.3% YoY	47%
Tier 1 Capital Ratio ?	16.67% +2.9% YoY +1.3% QoQ	+1.51%	15.16% +2.0% YoY	16.56% +0.4% YoY	17.06% +0.8% YoY	85%
Non-Interest Income / Assets ?	0.24% +12.8% YoY -72.1% QoQ	-0.02%	0.26% +1.6% YoY	0.11% -17.3% YoY	0.32% +4.1% YoY	78%

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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 (1)

NIB Deposit Bleed

decline

#10 of 36 • Bottom 25.0% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 18.74%

(Tier: 21.29%, National: 22.01%)

worse than tier avg

36 of 36 Mid-Market banks match · 238 nationally

↓ Shrinking -31 banks QoQ

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 884 peers in $1B-$10B

Top Strengths (4 metrics)

135

Loan-to-Deposit Ratio

liquidity

Value: 67.88%

Peer Median: 84.20%

#135 of 884 Top 15.2% in $1B-$10B

137

Tier 1 Capital Ratio

capital

Value: 16.67%

Peer Median: 15.16%

#137 of 884 Top 15.4% in $1B-$10B

171

Net Interest Margin

profitability

Value: 4.24%

Peer Median: 3.82%

#171 of 884 Top 19.2% in $1B-$10B

192

Non-Interest Income / Assets

revenue_mix

Value: 0.24%

Peer Median: 0.26%

#192 of 884 Top 21.6% in $1B-$10B

Top Weaknesses (3 metrics)

785

Total Loans

size

Value: $762.92M

Peer Median: $1.96B

#785 of 884 Bottom 11.3% in $1B-$10B

703

Total Assets

size

Value: $1.26B

Peer Median: $2.82B

#703 of 884 Bottom 20.6% in $1B-$10B

684

Efficiency Ratio

profitability

Value: 70.17%

Peer Median: 61.06%

#684 of 884 Bottom 22.7% in $1B-$10B