BlastPoint's Banking Scorecard
BNA Bank
Designations: ✓ CDFI-certified
New Albany, MS
8 branches across MS
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 39 in MS.
- Deposits +0.9% year over year ($718.7M on the books).
- Delinquency rate 0.72%.
- Return on assets 1.60%.
- Efficiency ratio 45.25% vs a 64.48% peer average.
- Loan-to-deposit ratio 76.15% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
BNA Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 19.22% below tier average
- + ROA 0.28% above tier average
- + Delinquency Rate 0.20% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.20% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$855.7M
+5.0% YoY
+1.7% QoQ
|
+$469.1M |
$386.6M
+1.2% YoY
|
$2.3B
+4.7% YoY
|
$6.3B
+7.7% YoY
|
Top 5.3% in tier |
| Total Loans ? |
$547.3M
+15.3% YoY
+1.3% QoQ
|
+$289.0M |
$258.3M
+1.7% YoY
|
$1.6B
+6.5% YoY
|
$3.2B
+9.4% YoY
|
Top 8.2% in tier |
| Total Deposits ? |
$718.7M
+0.9% YoY
+0.6% QoQ
|
+$392.0M |
$326.7M
+0.7% YoY
|
$1.9B
+4.9% YoY
|
$4.9B
+7.3% YoY
|
Top 5.7% in tier |
| Return on Assets ? |
1.60%
+0.7% YoY
-2.0% QoQ
|
+0.28% |
1.32%
+10.8% YoY
|
1.27%
+12.8% YoY
|
1.30%
+12.1% YoY
|
71% |
| Net Interest Margin ? |
3.78%
+9.2% YoY
+1.1% QoQ
|
-0.20% |
3.99%
+5.0% YoY
|
4.02%
+5.6% YoY
|
3.95%
+4.9% YoY
|
41% |
| Efficiency Ratio ? |
45.25%
-7.7% YoY
+1.5% QoQ
|
-19.22% |
64.48%
-3.2% YoY
|
65.83%
-2.8% YoY
|
70.05%
+2.5% YoY
|
Top 9.3% in tier |
| Delinquency Rate ? |
0.72%
-14.7% YoY
-2.1% QoQ
|
-0.20% |
0.92%
+15.7% YoY
|
1.03%
+6.0% YoY
|
0.98%
+16.3% YoY
|
37% |
| Loan-to-Deposit Ratio ? |
76.15%
+14.3% YoY
+0.8% QoQ
|
-1.80% |
77.95%
+1.0% YoY
|
72.48%
+3.6% YoY
|
79.03%
+2.3% YoY
|
57% |
| Non-Interest-Bearing Deposit Share ? |
15.63%
+12.0% YoY
+3.6% QoQ
|
-6.40% |
22.03%
-0.6% YoY
|
22.74%
-2.6% YoY
|
21.98%
-0.6% YoY
|
27% |
| Nonperforming Asset Ratio ? |
0.54%
-10.3% YoY
-5.5% QoQ
|
-0.13% |
0.67%
+16.4% YoY
|
0.80%
+11.3% YoY
|
0.69%
+15.8% YoY
|
37% |
| Tier 1 Capital Ratio ? |
18.04%
-2.1% YoY
+2.5% QoQ
|
+2.13% |
15.91%
+1.4% YoY
|
13.77%
-2.2% YoY
|
17.09%
+0.8% YoY
|
81% |
| Non-Interest Income / Assets ? |
0.28%
+9.8% YoY
+111.9% QoQ
|
-0.28% |
0.57%
+7.6% YoY
|
0.38%
+2.4% YoY
|
0.66%
+5.2% YoY
|
69% |
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 (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
15.6%
+1.7pp YoY +0.5pp QoQ |
-6.5pp | 22.1% | 23.1% | 22.2% | 26% |
| Brokered Deposits | n/a | n/a | 7.9% | 3.8% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
4.0%
+0.4pp YoY 0.0pp QoQ |
-7.6pp | 11.6% | 12.4% | 12.5% | 14% |
| CRE |
39.5%
-2.6pp YoY -0.3pp QoQ |
0.0pp | 39.5% | 42.3% | 41.4% | 52% |
| 1-4 Family |
49.4%
+2.3pp YoY +0.4pp QoQ |
+16.8pp | 32.6% | 33.1% | 31.3% | 82% |
| Consumer |
5.3%
0.0pp YoY -0.1pp QoQ |
+1.2pp | 4.1% | 5.6% | 5.0% | 78% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
18.0%
-0.4pp YoY +0.4pp QoQ |
-0.8pp | 18.8% | 16.5% | 19.7% | 69% |
| Leverage Ratio |
12.5%
+0.2pp YoY +0.6pp QoQ |
+0.3pp | 12.2% | 11.9% | 12.6% | 70% |
| Total Capital Ratio |
18.9%
-0.8pp YoY +0.5pp QoQ |
-1.1pp | 19.9% | 17.7% | 20.8% | 68% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
116
+1 (+0.9%) YoY +2 (+1.8%) QoQ |
+57 | 58 | 297 | 482 | 91% |
| Assets per Employee ($) |
$7.4M
+4.1% YoY 0.0% QoQ |
-$141K | $7.5M | $6.2M | $8.8M | 59% |
| Branch Count |
8
0 YoY 0 QoQ |
+3 | 4 | 22 | 18 | 82% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
-0.1pp YoY -0.1pp QoQ |
-0.3pp | 0.3% | 0.3% | 0.4% | 38% |
| Nonaccrual |
0.7%
0.0pp YoY +0.1pp QoQ |
-0.3pp | 0.9% | 0.9% | 1.0% | 61% |
| Allowance Coverage |
1.15x
-32.9% YoY +11.1% QoQ |
-23.00x | 24.15x | 4.87x | 20.23x | 31% |
| Net Charge-off Rate (YTD) |
1.5%
+1.5pp YoY -1.5pp QoQ |
+1.4pp | 0.1% | 0.1% | 0.2% | 98% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
15.1%
-0.5pp YoY -0.6pp QoQ |
+2.9pp | 12.2% | 11.7% | 11.6% | 68% |
| Cost of Funds (YTD) |
2.1%
-0.1pp YoY 0.0pp QoQ |
+0.3pp | 1.7% | 1.8% | 1.7% | 74% |
| Net Income ($, YTD) |
$6.8M
+7.8% YoY — QoQ |
+$4.3M | $2.6M | $13.8M | $40.4M | 95% |
Get Full Access to BNA Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.