BlastPoint's Banking Scorecard
Eureka Homestead
Designations: ✓ Community bank
Metairie, 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 536 banks in the under $100M peer group nationwide — 1 of 11 in LA.
- Deposits -14.0% year over year ($57.8M on the books).
- Delinquency rate 0.48%.
- Return on assets -0.53%.
- Efficiency ratio 141.28% vs a 119.40% peer average.
- Loan-to-deposit ratio 128.84% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Eureka Homestead has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.00% below tier average
Key Concerns
Areas that may need attention
- - Return on Assets 1.52% below tier average
- - Net Interest Margin 2.52% below tier average
- - Efficiency Ratio 21.89% above tier average
- - Loan-to-Deposit Ratio 54.63% above tier average
- - Non-Interest-Bearing Deposit Share 21.43% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$89.4M
-6.4% YoY
-3.0% QoQ
|
+$26.9M |
$62.4M
-0.0% YoY
|
$799.3M
+7.8% YoY
|
$6.3B
+7.7% YoY
|
Top 14.4% in tier |
| Total Loans ? |
$74.4M
-6.3% YoY
-3.7% QoQ
|
+$39.5M |
$34.9M
-0.6% YoY
|
$538.5M
+5.3% YoY
|
$3.2B
+9.4% YoY
|
Top 3.7% in tier |
| Total Deposits ? |
$57.8M
-14.0% YoY
-9.2% QoQ
|
+$6.1M |
$51.6M
-0.2% YoY
|
$677.9M
+7.3% YoY
|
$4.9B
+7.3% YoY
|
56% |
| Return on Assets ? |
-0.53%
+11.5% YoY
-54.6% QoQ
|
-1.52% |
1.00%
+3.5% YoY
|
1.37%
+23.6% YoY
|
1.30%
+12.1% YoY
|
Bottom 8.8% in tier |
| Net Interest Margin ? |
1.39%
-20.0% YoY
-11.1% QoQ
|
-2.52% |
3.91%
+2.3% YoY
|
4.15%
+0.0% YoY
|
3.95%
+4.9% YoY
|
Bottom 1.5% in tier |
| Efficiency Ratio ? |
141.28%
+8.7% YoY
+14.2% QoQ
|
+21.89% |
119.40%
+49.6% YoY
|
69.40%
-0.9% YoY
|
70.05%
+2.5% YoY
|
Bottom 5.2% in tier |
| Delinquency Rate ? |
0.48%
-33.5% YoY
+3.8% QoQ
|
-1.00% |
1.48%
+31.8% YoY
|
1.53%
+7.9% YoY
|
0.98%
+16.3% YoY
|
50% |
| Loan-to-Deposit Ratio ? |
128.84%
+8.9% YoY
+6.1% QoQ
|
+54.63% |
74.21%
+12.6% YoY
|
77.15%
-1.0% YoY
|
79.03%
+2.3% YoY
|
Bottom 2.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
2.06%
+0.8% YoY
+5.7% QoQ
|
-21.43% |
23.49%
+0.6% YoY
|
24.65%
+0.5% YoY
|
21.98%
-0.6% YoY
|
Bottom 7.8% in tier |
| Nonperforming Asset Ratio ? |
0.40%
-56.7% YoY
+3.1% QoQ
|
-0.43% |
0.84%
+23.0% YoY
|
1.11%
+4.1% YoY
|
0.69%
+15.8% YoY
|
43% |
| Tier 1 Capital Ratio ? |
40.92%
+5.2% YoY
+2.0% QoQ
|
+13.79% |
27.13%
+3.0% YoY
|
17.35%
+5.4% YoY
|
17.09%
+0.8% YoY
|
Top 10.3% in tier |
| Non-Interest Income / Assets ? |
0.17%
+1.3% YoY
+71.4% QoQ
|
-1.22% |
1.38%
+6.3% YoY
|
0.33%
+19.6% YoY
|
0.66%
+5.2% YoY
|
62% |
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 |
2.1%
0.0pp YoY +0.1pp QoQ |
-22.6pp | 24.6% | 24.6% | 22.2% | 3% |
| Brokered Deposits |
13.4%
-0.9pp YoY +2.7pp QoQ |
+3.6pp | 9.8% | 6.7% | 8.5% | 70% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I | n/a | n/a | 13.4% | 12.6% | 12.5% | n/a |
| CRE | n/a | n/a | 25.2% | 44.9% | 41.4% | n/a |
| 1-4 Family |
97.7%
+1.2pp YoY +0.1pp QoQ |
+62.7pp | 35.0% | 34.2% | 31.3% | 100% |
| Consumer |
0.3%
0.0pp YoY 0.0pp QoQ |
-7.4pp | 7.7% | 4.2% | 5.0% | 4% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
40.9%
+2.0pp YoY +0.8pp QoQ |
+2.2pp | 38.7% | 22.5% | 19.7% | 82% |
| Leverage Ratio |
21.1%
+0.7pp YoY +0.4pp QoQ |
+3.4pp | 17.7% | 13.4% | 12.6% | 87% |
| Total Capital Ratio |
42.2%
+2.0pp YoY +0.8pp QoQ |
+2.5pp | 39.7% | 23.6% | 20.8% | 82% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
9
-2 (-18.2%) YoY 0 QoQ |
-3 | 12 | 114 | 482 | 36% |
| Assets per Employee ($) |
$9.9M
+14.4% YoY -3.0% QoQ |
+$3.7M | $6.2M | $6.8M | $8.8M | 94% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 9 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.5%
0.0pp YoY 0.0pp QoQ |
-1.3pp | 1.7% | 1.4% | 1.0% | 39% |
| Allowance Coverage |
2.23x
+55.6% YoY 0.0% QoQ |
-4.18x | 6.41x | 27.36x | 20.23x | 63% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
-2.6%
+0.5pp YoY -0.9pp QoQ |
-9.0pp | 6.4% | 12.5% | 11.6% | 9% |
| Cost of Funds (YTD) |
2.7%
+0.4pp YoY +0.1pp QoQ |
+1.2pp | 1.4% | 1.7% | 1.7% | 95% |
| Net Income ($, YTD) |
$-239000.0
+17.0% YoY — QoQ |
-$557K | $317,817 | $5.1M | $40.4M | 6% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.