BlastPoint's Banking Scorecard

Basile State Bank

under $100M Specialty: Other LA FDIC cert 17621

Designations: ✓ Community bank ✓ CDFI-certified

Basile, LA

3 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 536 banks in the under $100M peer group nationwide — 1 of 11 in LA.
Deposits +6.6% year over year ($78.0M on the books).
Delinquency rate 2.23%.
Return on assets 1.74%.
Efficiency ratio 68.41% vs a 119.40% peer average.
Loan-to-deposit ratio 90.36% vs a 74.21% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

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

View under $100M leaderboard (LA) →

Basile State Bank 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

+ Net Interest Margin 2.17% above tier average
+ ROA 0.74% above tier average
+ Efficiency Ratio 50.99% below tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 0.75% above tier average

Get updates when Basile State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Total Assets ?	$87.4M +6.4% YoY -1.1% QoQ	+$25.0M	$62.4M -0.0% YoY	$799.3M +7.8% YoY	$6.3B +7.7% YoY	83%
Total Loans ?	$70.5M +13.7% YoY +4.5% QoQ	+$35.6M	$34.9M -0.6% YoY	$538.5M +5.3% YoY	$3.2B +9.4% YoY	Top 5.2% in tier
Total Deposits ?	$78.0M +6.6% YoY -1.5% QoQ	+$26.4M	$51.6M -0.2% YoY	$677.9M +7.3% YoY	$4.9B +7.3% YoY	Top 11.4% in tier
Return on Assets ?	1.74% +25.4% YoY +1.4% QoQ	+0.74%	1.00% +3.5% YoY	1.37% +23.6% YoY	1.30% +12.1% YoY	82%
Net Interest Margin ?	6.08% +4.5% YoY +4.0% QoQ	+2.17%	3.91% +2.3% YoY	4.15% +0.0% YoY	3.95% +4.9% YoY	Top 1.9% in tier
Efficiency Ratio ?	68.41% -7.0% YoY -0.1% QoQ	-50.99%	119.40% +49.6% YoY	69.40% -0.9% YoY	70.05% +2.5% YoY	56%
Delinquency Rate ?	2.23% -2.3% YoY -15.3% QoQ	+0.75%	1.48% +31.8% YoY	1.53% +7.9% YoY	0.98% +16.3% YoY	19%
Loan-to-Deposit Ratio ?	90.36% +6.7% YoY +6.0% QoQ	+16.15%	74.21% +12.6% YoY	77.15% -1.0% YoY	79.03% +2.3% YoY	17%
Non-Interest-Bearing Deposit Share ?	35.43% -1.7% YoY -7.0% QoQ	+11.94%	23.49% +0.6% YoY	24.65% +0.5% YoY	21.98% -0.6% YoY	Top 14.0% in tier
Nonperforming Asset Ratio ?	2.06% +16.3% YoY -0.4% QoQ	+1.22%	0.84% +23.0% YoY	1.11% +4.1% YoY	0.69% +15.8% YoY	Bottom 11.0% in tier
Tier 1 Capital Ratio ?	10.09% -2.0% YoY -2.3% QoQ	-17.04%	27.13% +3.0% YoY	17.35% +5.4% YoY	17.09% +0.8% YoY	Bottom 6.7% in tier
Non-Interest Income / Assets ?	0.29% -11.6% YoY +98.3% QoQ	-1.09%	1.38% +6.3% YoY	0.33% +19.6% YoY	0.66% +5.2% YoY	82%

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	35.4% -0.6pp YoY -2.7pp QoQ	+10.8pp	24.6%	24.6%	22.2%	85%
Brokered Deposits	0.3% 0.0pp QoQ	-9.5pp	9.8%	6.7%	8.5%	6%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
C&I	5.8% -0.9pp YoY -0.2pp QoQ	-7.6pp	13.4%	12.6%	12.5%	25%
CRE	18.1% +2.5pp YoY -0.3pp QoQ	-7.1pp	25.2%	44.9%	41.4%	43%
1-4 Family	51.4% -2.1pp YoY +0.1pp QoQ	+16.4pp	35.0%	34.2%	31.3%	73%
Consumer	7.9% -0.3pp YoY -0.4pp QoQ	+0.3pp	7.7%	4.2%	5.0%	68%

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	10.1% -0.2pp YoY -0.2pp QoQ	-7.6pp	17.7%	13.4%	12.6%	19%
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	22 0 YoY 0 QoQ	+10	12	114	482	92%
Assets per Employee ($)	$4.0M +6.4% YoY -1.1% QoQ	-$2.2M	$6.2M	$6.8M	$8.8M	19%
Branch Count	3 0 YoY 0 QoQ	+1	1	9	18	89%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% -0.4pp YoY 0.0pp QoQ	-0.9pp	1.0%	0.4%	0.4%	16%
Nonaccrual	2.2% +0.3pp YoY -0.4pp QoQ	+0.4pp	1.7%	1.4%	1.0%	78%
Allowance Coverage	0.46x -11.5% YoY +21.9% QoQ	-5.95x	6.41x	27.36x	20.23x	18%
Net Charge-off Rate (YTD)	0.1% +0.1pp YoY -0.2pp QoQ	0.0pp	0.2%	0.1%	0.2%	72%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
ROE	17.0% +3.4pp YoY +0.3pp QoQ	+10.6pp	6.4%	12.5%	11.6%	89%
Cost of Funds (YTD)	1.5% -0.3pp YoY -0.1pp QoQ	+0.1pp	1.4%	1.7%	1.7%	58%
Net Income ($, YTD)	$744,000 +34.8% YoY — QoQ	+$426K	$317,817	$5.1M	$40.4M	90%

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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 536 peers in under $100M

Top Strengths (7 metrics)

Net Interest Margin

profitability

Value: 6.08%

Peer Median: 3.91%

#11 of 536 Top 1.9% in under $100M

Total Loans

size

Value: $70.49M

Peer Median: $34.89M

#29 of 536 Top 5.2% in under $100M

Total Deposits

size

Value: $78.02M

Peer Median: $51.62M

#62 of 536 Top 11.4% in under $100M

Non-Interest-Bearing Deposit Share

funding

Value: 35.43%

Peer Median: 23.49%

#76 of 536 Top 14.0% in under $100M

Total Assets

size

Value: $87.44M

Peer Median: $62.44M

#94 of 536 Top 17.4% in under $100M

Return on Assets

profitability

Value: 1.74%

Peer Median: 1.00%

#95 of 536 Top 17.5% in under $100M

Non-Interest Income / Assets

revenue_mix

Value: 0.29%

Peer Median: 1.38%

#97 of 536 Top 17.9% in under $100M

Top Weaknesses (4 metrics)

501

Tier 1 Capital Ratio

capital

Value: 10.09%

Peer Median: 27.13%

#501 of 536 Bottom 6.7% in under $100M

478

Nonperforming Asset Ratio

credit_quality

Value: 2.06%

Peer Median: 0.84%

#478 of 536 Bottom 11.0% in under $100M

445

Loan-to-Deposit Ratio

liquidity

Value: 90.36%

Peer Median: 74.21%

#445 of 536 Bottom 17.2% in under $100M

422

Delinquency Rate

credit_quality

Value: 2.23%

Peer Median: 1.48%

#422 of 517 Bottom 18.6% in under $100M