BlastPoint's Banking Scorecard

Hibernia Bank

$100M-$1B Specialty: Commercial LA FDIC cert 27752

Designations: ✓ Mutual

New Orleans, LA

5 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 +2.6% year over year ($210.0M on the books).
Delinquency rate 1.38%.
Return on assets 0.11%.
Efficiency ratio 94.13% vs a 64.48% peer average.
Loan-to-deposit ratio 100.26% 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) →

Hibernia Bank faces 7 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Return on Assets 1.21% below tier average
- Net Interest Margin 1.36% below tier average
- Efficiency Ratio 29.65% above tier average
- Loan-to-Deposit Ratio 22.30% above tier average
- Non-Interest-Bearing Deposit Share 15.59% below tier average
- Non-Interest Income / Assets 0.54% below tier average
- Delinquency Rate 0.46% above tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Total Assets ?	$256.6M +6.9% YoY +4.9% QoQ	-$129.9M	$386.6M +1.2% YoY	$799.3M +7.8% YoY	$6.3B +7.7% YoY	38%
Total Loans ?	$210.5M +12.2% YoY +8.2% QoQ	-$47.8M	$258.3M +1.7% YoY	$538.5M +5.3% YoY	$3.2B +9.4% YoY	51%
Total Deposits ?	$210.0M +2.6% YoY +0.0% QoQ	-$116.7M	$326.7M +0.7% YoY	$677.9M +7.3% YoY	$4.9B +7.3% YoY	37%
Return on Assets ?	0.11% +147.7% YoY +654.0% QoQ	-1.21%	1.32% +10.8% YoY	1.37% +23.6% YoY	1.30% +12.1% YoY	Bottom 4.4% in tier
Net Interest Margin ?	2.62% +21.4% YoY +5.8% QoQ	-1.36%	3.99% +5.0% YoY	4.15% +0.0% YoY	3.95% +4.9% YoY	Bottom 3.8% in tier
Efficiency Ratio ?	94.13% -16.0% YoY -6.8% QoQ	+29.65%	64.48% -3.2% YoY	69.40% -0.9% YoY	70.05% +2.5% YoY	Bottom 3.6% in tier
Delinquency Rate ?	1.38% -55.9% YoY -9.2% QoQ	+0.46%	0.92% +15.7% YoY	1.53% +7.9% YoY	0.98% +16.3% YoY	20%
Loan-to-Deposit Ratio ?	100.26% +9.4% YoY +8.2% QoQ	+22.30%	77.95% +1.0% YoY	77.15% -1.0% YoY	79.03% +2.3% YoY	Bottom 10.0% in tier
Non-Interest-Bearing Deposit Share ?	6.44% +16.6% YoY -6.7% QoQ	-15.59%	22.03% -0.6% YoY	24.65% +0.5% YoY	21.98% -0.6% YoY	Bottom 5.1% in tier
Nonperforming Asset Ratio ?	1.13% -53.7% YoY -6.3% QoQ	+0.46%	0.67% +16.4% YoY	1.11% +4.1% YoY	0.69% +15.8% YoY	18%
Tier 1 Capital Ratio ?	11.54% -1.5% YoY -0.9% QoQ	-4.37%	15.91% +1.4% YoY	17.35% +5.4% YoY	17.09% +0.8% YoY	30%
Non-Interest Income / Assets ?	0.03% +1.4% YoY +72.1% QoQ	-0.54%	0.57% +7.6% YoY	0.33% +19.6% YoY	0.66% +5.2% YoY	Bottom 2.1% 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	6.4% +0.9pp YoY -0.5pp QoQ	-15.7pp	22.1%	24.6%	22.2%	5%
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	0.4% -0.2pp YoY -0.1pp QoQ	-11.1pp	11.6%	12.6%	12.5%	2%
CRE	45.2% +2.3pp YoY +4.0pp QoQ	+5.7pp	39.5%	44.9%	41.4%	62%
1-4 Family	54.9% -3.0pp YoY -4.0pp QoQ	+22.2pp	32.6%	34.2%	31.3%	86%
Consumer	0.1% 0.0pp YoY 0.0pp QoQ	-4.0pp	4.1%	4.2%	5.0%	5%

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	11.5% -0.2pp YoY -0.1pp QoQ	-0.6pp	12.2%	13.4%	12.6%	58%
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	32 0 YoY -1 (-3.0%) QoQ	-27	58	114	482	30%
Assets per Employee ($)	$8.0M +6.9% YoY +8.2% QoQ	+$502K	$7.5M	$6.8M	$8.8M	68%
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	1.4% -1.7pp YoY -0.1pp QoQ	+0.4pp	0.9%	1.4%	1.0%	80%
Allowance Coverage	0.32x -28.5% YoY +2.6% QoQ	-23.84x	24.15x	27.36x	20.23x	4%
Net Charge-off Rate (YTD)	-0.0% 0.0pp QoQ	-0.2pp	0.1%	0.1%	0.2%	12%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
ROE	0.8% +2.5pp YoY +0.9pp QoQ	-11.4pp	12.2%	12.5%	11.6%	4%
Cost of Funds (YTD)	2.5% -0.4pp YoY -0.1pp QoQ	+0.8pp	1.7%	1.7%	1.7%	90%
Net Income ($, YTD)	$135,000 +147.4% YoY — QoQ	-$2.4M	$2.6M	$5.1M	$40.4M	4%

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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 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (8 metrics)

2588

Non-Interest Income / Assets

revenue_mix

Value: 0.03%

Peer Median: 0.57%

#2588 of 2643 Bottom 2.1% in $100M-$1B

2550

Efficiency Ratio

profitability

Value: 94.13%

Peer Median: 64.48%

#2550 of 2643 Bottom 3.6% in $100M-$1B

2544

Net Interest Margin

profitability

Value: 2.62%

Peer Median: 3.99%

#2544 of 2643 Bottom 3.8% in $100M-$1B

2527

Return on Assets

profitability

Value: 0.11%

Peer Median: 1.32%

#2527 of 2643 Bottom 4.4% in $100M-$1B

2509

Non-Interest-Bearing Deposit Share

funding

Value: 6.44%

Peer Median: 22.03%

#2509 of 2643 Bottom 5.1% in $100M-$1B

2380

Loan-to-Deposit Ratio

liquidity

Value: 100.26%

Peer Median: 77.95%

#2380 of 2643 Bottom 10.0% in $100M-$1B

2180

Nonperforming Asset Ratio

credit_quality

Value: 1.13%

Peer Median: 0.67%

#2180 of 2643 Bottom 17.6% in $100M-$1B

2103

Delinquency Rate

credit_quality

Value: 1.38%

Peer Median: 0.92%

#2103 of 2633 Bottom 20.2% in $100M-$1B