BlastPoint's Banking Scorecard
First National Banker's Bank
Baton Rouge, LA
5 branches across AL · AR · FL · LA · 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 73 in LA.
- Deposits +11.3% year over year ($383.9M on the books).
- Delinquency rate 0.81%.
- Return on assets 0.82%.
- Efficiency ratio 81.23% vs a 64.48% peer average.
- Loan-to-deposit ratio 137.34% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First National Banker's Bank has 3 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 16.8% in tier
- + Non-Interest-Bearing Deposit Share 75.91% above tier average
- + Delinquency Rate 0.11% below tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 17.2% in tier
- - Liquidity Overhang: Bottom 21.2% in tier
- - Liquidity Strain: Bottom 36.3% in tier
- - ROA 0.50% below tier average
- - Net Interest Margin 0.68% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$983.0M
+15.4% YoY
-15.3% QoQ
|
+$596.4M |
$386.6M
+1.2% YoY
|
$799.3M
+7.8% YoY
|
$6.3B
+7.7% YoY
|
Top 0.6% in tier |
| Total Loans ? |
$527.2M
-3.2% YoY
-0.5% QoQ
|
+$268.9M |
$258.3M
+1.7% YoY
|
$538.5M
+5.3% YoY
|
$3.2B
+9.4% YoY
|
Top 9.3% in tier |
| Total Deposits ? |
$383.9M
+11.3% YoY
-1.7% QoQ
|
+$57.2M |
$326.7M
+0.7% YoY
|
$677.9M
+7.3% YoY
|
$4.9B
+7.3% YoY
|
68% |
| Return on Assets ? |
0.82%
-10.6% YoY
+6.1% QoQ
|
-0.50% |
1.32%
+10.8% YoY
|
1.37%
+23.6% YoY
|
1.30%
+12.1% YoY
|
24% |
| Net Interest Margin ? |
3.30%
-12.3% YoY
+6.7% QoQ
|
-0.68% |
3.99%
+5.0% YoY
|
4.15%
+0.0% YoY
|
3.95%
+4.9% YoY
|
20% |
| Efficiency Ratio ? |
81.23%
+1.8% YoY
-0.7% QoQ
|
+16.75% |
64.48%
-3.2% YoY
|
69.40%
-0.9% YoY
|
70.05%
+2.5% YoY
|
Bottom 12.3% in tier |
| Delinquency Rate ? |
0.81%
-11.9% YoY
-6.0% QoQ
|
-0.11% |
0.92%
+15.7% YoY
|
1.53%
+7.9% YoY
|
0.98%
+16.3% YoY
|
34% |
| Loan-to-Deposit Ratio ? |
137.34%
-13.1% YoY
+1.2% QoQ
|
+59.39% |
77.95%
+1.0% YoY
|
77.15%
-1.0% YoY
|
79.03%
+2.3% YoY
|
Bottom 0.3% in tier |
| Non-Interest-Bearing Deposit Share ? |
97.94%
-0.7% YoY
-0.5% QoQ
|
+75.91% |
22.03%
-0.6% YoY
|
24.65%
+0.5% YoY
|
21.98%
-0.6% YoY
|
Top 0.2% in tier |
| Nonperforming Asset Ratio ? |
0.43%
-26.1% YoY
+10.5% QoQ
|
-0.23% |
0.67%
+16.4% YoY
|
1.11%
+4.1% YoY
|
0.69%
+15.8% YoY
|
42% |
| Tier 1 Capital Ratio ? |
16.14%
-9.8% YoY
+1.2% QoQ
|
+0.23% |
15.91%
+1.4% YoY
|
17.35%
+5.4% YoY
|
17.09%
+0.8% YoY
|
73% |
| Non-Interest Income / Assets ? |
1.56%
-0.7% YoY
+128.8% QoQ
|
+1.00% |
0.57%
+7.6% YoY
|
0.33%
+19.6% YoY
|
0.66%
+5.2% YoY
|
Top 2.3% in tier |
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 |
97.9%
-0.7pp YoY -0.5pp QoQ |
+75.8pp | 22.1% | 24.6% | 22.2% | 100% |
| 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 |
6.3%
+2.4pp YoY -0.1pp QoQ |
-5.3pp | 11.6% | 12.6% | 12.5% | 28% |
| CRE |
75.5%
-3.1pp YoY -0.4pp QoQ |
+35.9pp | 39.5% | 44.9% | 41.4% | 96% |
| 1-4 Family |
1.7%
+0.3pp YoY +0.4pp QoQ |
-30.9pp | 32.6% | 34.2% | 31.3% | 2% |
| Consumer | n/a | n/a | 4.1% | 4.2% | 5.0% | n/a |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 22.5% | 19.7% | n/a |
| Leverage Ratio |
16.1%
-1.7pp YoY +0.2pp QoQ |
+4.0pp | 12.2% | 13.4% | 12.6% | 91% |
| Total Capital Ratio | n/a | n/a | 19.9% | 23.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
132
+3 (+2.3%) YoY +1 (+0.8%) QoQ |
+73 | 58 | 114 | 482 | 95% |
| Assets per Employee ($) |
$7.4M
+12.8% YoY -16.0% QoQ |
-$72K | $7.5M | $6.8M | $8.8M | 60% |
| Branch Count |
5
0 YoY 0 QoQ |
0 | 4 | 9 | 18 | 55% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.8%
-0.1pp YoY -0.1pp QoQ |
-0.1pp | 0.9% | 1.4% | 1.0% | 66% |
| Allowance Coverage |
4.04x
+17.4% YoY +6.9% QoQ |
-20.11x | 24.15x | 27.36x | 20.23x | 65% |
| Net Charge-off Rate (YTD) |
-0.0%
+0.3pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 24% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
5.3%
-0.1pp YoY +0.1pp QoQ |
-6.9pp | 12.2% | 12.5% | 11.6% | 14% |
| Cost of Funds (YTD) |
1.7%
-0.5pp YoY +0.1pp QoQ |
0.0pp | 1.7% | 1.7% | 1.7% | 54% |
| Net Income ($, YTD) |
$4.4M
+2.3% YoY — QoQ |
+$1.8M | $2.6M | $5.1M | $40.4M | 83% |
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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 (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (3)
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.