BlastPoint's Banking Scorecard

Fifth District Savings Bank

$100M-$1B Specialty: Mortgage LA FDIC cert 27697

New Orleans, LA

7 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 -2.3% year over year ($414.8M on the books).
Delinquency rate 0.09%.
Return on assets 0.33%.
Efficiency ratio 85.36% vs a 64.48% peer average.
Loan-to-deposit ratio 94.82% 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) →

Fifth District Savings Bank has 1 strength but faces 7 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

+ Delinquency Rate 0.83% below tier average

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 0.4% in tier
- Efficiency Drag: Bottom 2.2% in tier
- Liquidity Overhang: Bottom 3.5% in tier
- Liquidity Strain: Bottom 26.6% in tier
- Return on Assets 0.99% below tier average
- Net Interest Margin 1.10% below tier average
- Non-Interest-Bearing Deposit Share 20.24% below tier average

Get updates when Fifth District Savings 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 ?	$531.8M -1.4% YoY -0.7% QoQ	+$145.2M	$386.6M +1.2% YoY	$799.3M +7.8% YoY	$6.3B +7.7% YoY	75%
Total Loans ?	$393.3M +3.6% YoY +1.3% QoQ	+$135.0M	$258.3M +1.7% YoY	$538.5M +5.3% YoY	$3.2B +9.4% YoY	79%
Total Deposits ?	$414.8M -2.3% YoY -1.0% QoQ	+$88.1M	$326.7M +0.7% YoY	$677.9M +7.3% YoY	$4.9B +7.3% YoY	71%
Return on Assets ?	0.33% -72.4% YoY +3.7% QoQ	-0.99%	1.32% +10.8% YoY	1.37% +23.6% YoY	1.30% +12.1% YoY	Bottom 8.2% in tier
Net Interest Margin ?	2.89% +18.1% YoY +2.6% QoQ	-1.10%	3.99% +5.0% YoY	4.15% +0.0% YoY	3.95% +4.9% YoY	Bottom 7.3% in tier
Efficiency Ratio ?	85.36% +24.8% YoY -0.2% QoQ	+20.88%	64.48% -3.2% YoY	69.40% -0.9% YoY	70.05% +2.5% YoY	Bottom 8.6% in tier
Delinquency Rate ?	0.09% -74.6% YoY +437.5% QoQ	-0.83%	0.92% +15.7% YoY	1.53% +7.9% YoY	0.98% +16.3% YoY	76%
Loan-to-Deposit Ratio ?	94.82% +6.1% YoY +2.3% QoQ	+16.87%	77.95% +1.0% YoY	77.15% -1.0% YoY	79.03% +2.3% YoY	17%
Non-Interest-Bearing Deposit Share ?	1.79% +22.9% YoY +4.6% QoQ	-20.24%	22.03% -0.6% YoY	24.65% +0.5% YoY	21.98% -0.6% YoY	Bottom 1.5% in tier
Nonperforming Asset Ratio ?	0.07% -70.7% YoY +272.0% QoQ	-0.60%	0.67% +16.4% YoY	1.11% +4.1% YoY	0.69% +15.8% YoY	75%
Tier 1 Capital Ratio ?	38.90% -6.7% YoY -1.2% QoQ	+22.99%	15.91% +1.4% YoY	17.35% +5.4% YoY	17.09% +0.8% YoY	Top 2.0% in tier
Non-Interest Income / Assets ?	0.08% -88.7% YoY +106.1% QoQ	-0.48%	0.57% +7.6% YoY	0.33% +19.6% YoY	0.66% +5.2% YoY	Bottom 13.6% 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	1.8% +0.3pp YoY +0.1pp QoQ	-20.4pp	22.1%	24.6%	22.2%	1%
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	3.8% +0.5pp YoY -0.2pp QoQ	-7.8pp	11.6%	12.6%	12.5%	13%
CRE	9.8%	-29.7pp	39.5%	44.9%	41.4%	5%
1-4 Family	84.5% -6.3pp YoY -1.4pp QoQ	+51.9pp	32.6%	34.2%	31.3%	97%
Consumer	1.7% +0.7pp YoY -0.1pp QoQ	-2.4pp	4.1%	4.2%	5.0%	44%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
CET1 Ratio	38.9% -2.8pp YoY -0.5pp QoQ	+20.1pp	18.8%	22.5%	19.7%	96%
Leverage Ratio	21.4% +0.4pp YoY 0.0pp QoQ	+9.2pp	12.2%	13.4%	12.6%	97%
Total Capital Ratio	39.5% -2.8pp YoY -0.5pp QoQ	+19.5pp	19.9%	23.6%	20.8%	96%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Full-Time Employees	68 +2 (+3.0%) YoY +1 (+1.5%) QoQ	+9	58	114	482	69%
Assets per Employee ($)	$7.8M -4.3% YoY -2.1% QoQ	+$302K	$7.5M	$6.8M	$8.8M	65%
Branch Count	7 0 YoY 0 QoQ	+2	4	9	18	75%

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	0.1% -0.2pp YoY +0.1pp QoQ	-0.8pp	0.9%	1.4%	1.0%	17%
Allowance Coverage	4.95x +279.3% YoY -81.6% QoQ	-19.20x	24.15x	27.36x	20.23x	70%
Net Charge-off Rate (YTD)	n/a	n/a	0.1%	0.1%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
ROE	1.6% -4.5pp YoY +0.1pp QoQ	-10.6pp	12.2%	12.5%	11.6%	5%
Cost of Funds (YTD)	1.7% -0.2pp YoY 0.0pp QoQ	-0.1pp	1.7%	1.7%	1.7%	48%
Net Income ($, YTD)	$890,000 -72.4% YoY — QoQ	-$1.7M	$2.6M	$5.1M	$40.4M	23%

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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 (4)

Flatlined Growth

risk

#3 of 529 • Bottom 0.4% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.33%

(Tier: 1.32%, National: 1.30%)

worse than tier avg

529 of 529 Community banks match · 719 nationally

→ Stable +34 banks QoQ | QoQ rank improving

Efficiency Drag

risk

#9 of 361 • Bottom 2.2% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 85.36%

(Tier: 64.48%, National: 70.05%)

worse than tier avg

361 of 361 Community banks match · 426 nationally

↓ Shrinking -64 banks QoQ | QoQ rank improving

Liquidity Overhang

risk

#27 of 742 • Bottom 3.5% 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: 38.90%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 94.82%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 banks QoQ

Liquidity Strain

risk

#185 of 691 • Bottom 26.6% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 94.82%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank declining

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 (4 metrics)

Tier 1 Capital Ratio

capital

Value: 38.90%

Peer Median: 15.91%

#55 of 2643 Top 2.0% in $100M-$1B

563

Total Loans

size

Value: $393.33M

Peer Median: $258.35M

#563 of 2643 Top 21.3% in $100M-$1B

645

Delinquency Rate

credit_quality

Value: 0.09%

Peer Median: 0.92%

#645 of 2633 Top 24.5% in $100M-$1B

659

Nonperforming Asset Ratio

credit_quality

Value: 0.07%

Peer Median: 0.67%

#659 of 2643 Top 24.9% in $100M-$1B

Top Weaknesses (6 metrics)

2604

Non-Interest-Bearing Deposit Share

funding

Value: 1.79%

Peer Median: 22.03%

#2604 of 2643 Bottom 1.5% in $100M-$1B

2451

Net Interest Margin

profitability

Value: 2.89%

Peer Median: 3.99%

#2451 of 2643 Bottom 7.3% in $100M-$1B

2428

Return on Assets

profitability

Value: 0.33%

Peer Median: 1.32%

#2428 of 2643 Bottom 8.2% in $100M-$1B

2416

Efficiency Ratio

profitability

Value: 85.36%

Peer Median: 64.48%

#2416 of 2643 Bottom 8.6% in $100M-$1B

2284

Non-Interest Income / Assets

revenue_mix

Value: 0.08%

Peer Median: 0.57%

#2284 of 2643 Bottom 13.6% in $100M-$1B

2205

Loan-to-Deposit Ratio

liquidity

Value: 94.82%

Peer Median: 77.95%

#2205 of 2643 Bottom 16.6% in $100M-$1B