BlastPoint's Banking Scorecard

Bank of Louisiana

$100M-$1B Specialty: Commercial LA FDIC cert 17878

New Orleans, LA

4 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 +3.3% year over year ($89.0M on the books).
Delinquency rate 4.70%.
Return on assets 16.12%.
Efficiency ratio 20.11% vs a 64.48% peer average.
Loan-to-deposit ratio 72.07% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 73 in LA

View $100M-$1B leaderboard (LA) →

Bank of Louisiana has 4 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

+ Revenue Diversifier: Top 1.2% in tier
+ Profitability Leader: Top 1.5% in tier
+ Deposit Franchise: Top 19.4% in tier
+ Efficiency Ratio 44.37% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 13.6% in tier
- Delinquency Rate 3.78% above tier average
- Nonperforming Asset Ratio 2.32% above tier average

Get updates when Bank of Louisiana releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Total Assets ?	$110.3M +11.7% YoY +6.2% QoQ	-$276.3M	$386.6M +1.2% YoY	$799.3M +7.8% YoY	$6.3B +7.7% YoY	Bottom 2.8% in tier
Total Loans ?	$64.1M +25.0% YoY +1.4% QoQ	-$194.2M	$258.3M +1.7% YoY	$538.5M +5.3% YoY	$3.2B +9.4% YoY	Bottom 5.3% in tier
Total Deposits ?	$89.0M +3.3% YoY -2.2% QoQ	-$237.7M	$326.7M +0.7% YoY	$677.9M +7.3% YoY	$4.9B +7.3% YoY	Bottom 2.3% in tier
Return on Assets ?	16.12%	+14.79%	1.32% +10.8% YoY	1.37% +23.6% YoY	1.30% +12.1% YoY	Top 0.2% in tier
Net Interest Margin ?	5.18% -0.4% YoY -0.8% QoQ	+1.19%	3.99% +5.0% YoY	4.15% +0.0% YoY	3.95% +4.9% YoY	Top 5.9% in tier
Efficiency Ratio ?	20.11% -74.6% YoY -79.9% QoQ	-44.37%	64.48% -3.2% YoY	69.40% -0.9% YoY	70.05% +2.5% YoY	Top 0.2% in tier
Delinquency Rate ?	4.70% -2.2% YoY -29.7% QoQ	+3.78%	0.92% +15.7% YoY	1.53% +7.9% YoY	0.98% +16.3% YoY	Bottom 2.8% in tier
Loan-to-Deposit Ratio ?	72.07% +21.0% YoY +3.7% QoQ	-5.88%	77.95% +1.0% YoY	77.15% -1.0% YoY	79.03% +2.3% YoY	66%
Non-Interest-Bearing Deposit Share ?	35.84% -4.6% YoY +2.0% QoQ	+13.81%	22.03% -0.6% YoY	24.65% +0.5% YoY	21.98% -0.6% YoY	Top 8.9% in tier
Nonperforming Asset Ratio ?	2.99% -8.2% YoY -26.4% QoQ	+2.32%	0.67% +16.4% YoY	1.11% +4.1% YoY	0.69% +15.8% YoY	Bottom 3.4% in tier
Tier 1 Capital Ratio ?	29.37% +47.2% YoY +69.6% QoQ	+13.46%	15.91% +1.4% YoY	17.35% +5.4% YoY	17.09% +0.8% YoY	Top 4.3% in tier
Non-Interest Income / Assets ?	8.77% +931.0% YoY	+8.20%	0.57% +7.6% YoY	0.33% +19.6% YoY	0.66% +5.2% YoY	Top 0.5% in tier

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	35.8% -1.7pp YoY +0.7pp QoQ	+13.7pp	22.1%	24.6%	22.2%	91%
Brokered Deposits	n/a	n/a	7.9%	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	3.4% -1.1pp YoY -0.1pp QoQ	-8.1pp	11.6%	12.6%	12.5%	11%
CRE	54.0% +15.0pp YoY +3.4pp QoQ	+14.5pp	39.5%	44.9%	41.4%	76%
1-4 Family	44.0% -14.5pp YoY -3.9pp QoQ	+11.3pp	32.6%	34.2%	31.3%	76%
Consumer	1.4% -0.1pp YoY +0.5pp QoQ	-2.7pp	4.1%	4.2%	5.0%	37%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
CET1 Ratio	29.4% +9.4pp YoY +12.1pp QoQ	+10.5pp	18.8%	22.5%	19.7%	93%
Leverage Ratio	17.8% +6.5pp YoY +6.9pp QoQ	+5.6pp	12.2%	13.4%	12.6%	94%
Total Capital Ratio	30.6% +9.4pp YoY +12.1pp QoQ	+10.7pp	19.9%	23.6%	20.8%	93%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Full-Time Employees	29 -3 (-9.4%) YoY 0 QoQ	-30	58	114	482	25%
Assets per Employee ($)	$3.8M +23.2% YoY +6.2% QoQ	-$3.7M	$7.5M	$6.8M	$8.8M	3%
Branch Count	4 0 YoY 0 QoQ	-1	4	9	18	42%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Past Due 90+ Days	0.6% -2.2pp YoY -4.0pp QoQ	+0.3pp	0.3%	0.4%	0.4%	86%
Nonaccrual	4.1% +2.1pp YoY +2.1pp QoQ	+3.1pp	0.9%	1.4%	1.0%	97%
Allowance Coverage	0.59x -17.7% YoY +40.2% QoQ	-23.56x	24.15x	27.36x	20.23x	13%
Net Charge-off Rate (YTD)	0.5% +0.4pp YoY	+0.4pp	0.1%	0.1%	0.2%	94%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
ROE	122.6% +114.5pp YoY +121.8pp QoQ	+110.4pp	12.2%	12.5%	11.6%	100%
Cost of Funds (YTD)	1.2% +0.1pp YoY 0.0pp QoQ	-0.6pp	1.7%	1.7%	1.7%	18%
Net Income ($, YTD)	$8.5M +1787.8% YoY — QoQ	+$5.9M	$2.6M	$5.1M	$40.4M	98%

Get Full Access to Bank of Louisiana

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

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 (3)

Revenue Diversifier

growth

#9 of 661 • Top 1.2% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 8.77%

(Tier: 0.57%, National: 0.66%)

better than tier avg

Return on Assets: 16.12%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable

Profitability Leader

growth

#11 of 661 • Top 1.5% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 16.12%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable

Deposit Franchise

growth

#55 of 278 • Top 19.4% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 35.84%

(Tier: 22.03%, National: 21.98%)

better than tier avg

Net Interest Margin: 5.18%

(Tier: 3.99%, National: 3.95%)

better than tier avg

278 of 278 Community banks match · 368 nationally

→ Stable -1 banks QoQ

Concerns (1)

Liquidity Overhang

risk

#102 of 742 • Bottom 13.6% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 29.37%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 72.07%

(Tier: 77.95%, National: 79.03%)

better than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank improving

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 2643 peers in $100M-$1B

Top Strengths (6 metrics)

Return on Assets

profitability

Value: 16.12%

Peer Median: 1.32%

#5 of 2643 Top 0.2% in $100M-$1B

Efficiency Ratio

profitability

Value: 20.11%

Peer Median: 64.48%

#7 of 2643 Top 0.2% in $100M-$1B

Non-Interest Income / Assets

revenue_mix

Value: 8.77%

Peer Median: 0.57%

#15 of 2643 Top 0.5% in $100M-$1B

115

Tier 1 Capital Ratio

capital

Value: 29.37%

Peer Median: 15.91%

#115 of 2643 Top 4.3% in $100M-$1B

156

Net Interest Margin

profitability

Value: 5.18%

Peer Median: 3.99%

#156 of 2643 Top 5.9% in $100M-$1B

236

Non-Interest-Bearing Deposit Share

funding

Value: 35.84%

Peer Median: 22.03%

#236 of 2643 Top 8.9% in $100M-$1B

Top Weaknesses (5 metrics)

2583

Total Deposits

size

Value: $88.99M

Peer Median: $326.73M

#2583 of 2643 Bottom 2.3% in $100M-$1B

2560

Delinquency Rate

credit_quality

Value: 4.70%

Peer Median: 0.92%

#2560 of 2633 Bottom 2.8% in $100M-$1B

2569

Total Assets

size

Value: $110.29M

Peer Median: $386.57M

#2569 of 2643 Bottom 2.8% in $100M-$1B

2555

Nonperforming Asset Ratio

credit_quality

Value: 2.99%

Peer Median: 0.67%

#2555 of 2643 Bottom 3.4% in $100M-$1B

2503

Total Loans

size

Value: $64.14M

Peer Median: $258.35M

#2503 of 2643 Bottom 5.3% in $100M-$1B