BlastPoint's Banking Scorecard

Hibernia Bank

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

Designations: ✓ Mutual

New Orleans, LA

5 branches across LA

2664 banks in the $100M-$1B peer group nationally 74 in LA

Hibernia Bank faces 8 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

- Liquidity Strain: Bottom 19.3% in tier
- Capital Constraint: Bottom 30.6% in tier
- Return on Assets 1.29% below tier average
- Net Interest Margin 1.45% below tier average
- Efficiency Ratio 35.70% above tier average
- Non-Interest-Bearing Deposit Share 15.11% below tier average
- Non-Interest Income / Assets 0.27% below tier average
- Delinquency Rate 0.63% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Total Assets ?	$244.7M -3.8% YoY -0.5% QoQ	-$141.4M	$386.1M +0.5% YoY	$784.8M +7.0% YoY	$6.2B +9.1% YoY	36%
Total Loans ?	$194.5M +2.9% YoY +4.6% QoQ	-$61.2M	$255.7M +1.1% YoY	$523.7M +4.0% YoY	$3.2B +10.8% YoY	47%
Total Deposits ?	$210.0M -4.0% YoY -0.6% QoQ	-$118.0M	$328.0M +0.1% YoY	$671.5M +6.9% YoY	$4.8B +8.2% YoY	37%
Return on Assets ?	-0.02% +93.1% YoY +93.2% QoQ	-1.29%	1.27% +12.9% YoY	1.24% +12.4% YoY	1.23% +13.4% YoY	Bottom 3.4% in tier
Net Interest Margin ?	2.48% +22.1% YoY +13.8% QoQ	-1.45%	3.93% +6.0% YoY	4.12% +1.2% YoY	3.89% +5.7% YoY	Bottom 3.0% in tier
Efficiency Ratio ?	100.98% -11.7% YoY -11.3% QoQ	+35.70%	65.29% -4.5% YoY	70.37% -1.0% YoY	66.95% -4.1% YoY	Bottom 2.3% in tier
Delinquency Rate ?	1.52% -44.4% YoY -7.7% QoQ	+0.63%	0.89% +18.8% YoY	1.51% +4.5% YoY	0.95% +18.8% YoY	18%
Loan-to-Deposit Ratio ?	92.63% +7.1% YoY +5.2% QoQ	+15.99%	76.64% +0.8% YoY	75.16% -1.5% YoY	76.70% +0.9% YoY	19%
Non-Interest-Bearing Deposit Share ?	6.91% +50.4% YoY +41.3% QoQ	-15.11%	22.02% -1.0% YoY	24.55% -1.4% YoY	22.01% -1.2% YoY	Bottom 5.6% in tier
Nonperforming Asset Ratio ?	1.21% -40.5% YoY -2.9% QoQ	+0.57%	0.64% +19.7% YoY	1.07% +4.2% YoY	0.67% +19.3% YoY	16%
Tier 1 Capital Ratio ?	11.64% +3.8% YoY +0.7% QoQ	-4.19%	15.83% +1.5% YoY	16.56% +0.4% YoY	17.06% +0.8% YoY	31%
Non-Interest Income / Assets ?	0.01% +33.7% YoY -69.6% QoQ	-0.27%	0.28% +9.3% YoY	0.11% -17.3% YoY	0.32% +4.1% YoY	Bottom 2.6% in tier

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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 (2)

Liquidity Strain

risk

#125 of 643 • Bottom 19.3% 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: 92.63%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ

Capital Constraint

risk

#34 of 108 • Bottom 30.6% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature

Loan-to-Deposit Ratio: 92.63%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

Tier 1 Capital Ratio: 11.64%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

108 of 108 Community banks match · 148 nationally

↑ Growing +19 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 2664 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (8 metrics)

2604

Efficiency Ratio

profitability

Value: 100.98%

Peer Median: 65.29%

#2604 of 2664 Bottom 2.3% in $100M-$1B

2596

Non-Interest Income / Assets

revenue_mix

Value: 0.01%

Peer Median: 0.28%

#2596 of 2664 Bottom 2.6% in $100M-$1B

2585

Net Interest Margin

profitability

Value: 2.48%

Peer Median: 3.93%

#2585 of 2664 Bottom 3.0% in $100M-$1B

2574

Return on Assets

profitability

Value: -0.02%

Peer Median: 1.27%

#2574 of 2664 Bottom 3.4% in $100M-$1B

2516

Non-Interest-Bearing Deposit Share

funding

Value: 6.91%

Peer Median: 22.02%

#2516 of 2664 Bottom 5.6% in $100M-$1B

2251

Nonperforming Asset Ratio

credit_quality

Value: 1.21%

Peer Median: 0.64%

#2251 of 2664 Bottom 15.5% in $100M-$1B

2180

Delinquency Rate

credit_quality

Value: 1.52%

Peer Median: 0.89%

#2180 of 2654 Bottom 17.9% in $100M-$1B

2152

Loan-to-Deposit Ratio

liquidity

Value: 92.63%

Peer Median: 76.64%

#2152 of 2664 Bottom 19.3% in $100M-$1B