BlastPoint

BlastPoint's Banking Scorecard

Catalyst Bank

$100M-$1B Specialty: Commercial LA FDIC cert 29804

Designations: ✓ CDFI-certified

Opelousas, LA

10 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 +6.7% year over year ($201.2M on the books).
  • Delinquency rate 1.45%.
  • Return on assets 0.93%.
  • Efficiency ratio 75.22% vs a 64.48% peer average.
  • Loan-to-deposit ratio 79.84% 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) →

Catalyst Bank faces 4 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 Overhang: Bottom 8.4% in tier
  • - ROA 0.40% below tier average
  • - Efficiency Ratio 10.74% above tier average
  • - Delinquency Rate 0.53% above tier average
Get updates when Catalyst 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 ? $286.8M
+6.0% YoY +0.5% QoQ
-$99.8M $386.6M
+1.2% YoY
$799.3M
+7.8% YoY
$6.3B
+7.7% YoY
43%
Total Loans ? $160.6M
-2.7% YoY -0.5% QoQ
-$97.7M $258.3M
+1.7% YoY
$538.5M
+5.3% YoY
$3.2B
+9.4% YoY
38%
Total Deposits ? $201.2M
+6.7% YoY +0.3% QoQ
-$125.6M $326.7M
+0.7% YoY
$677.9M
+7.3% YoY
$4.9B
+7.3% YoY
34%
Return on Assets ? 0.93%
+4.9% YoY -1.1% QoQ
-0.40% 1.32%
+10.8% YoY
1.37%
+23.6% YoY
1.30%
+12.1% YoY
30%
Net Interest Margin ? 4.01%
+1.2% YoY +0.4% QoQ
+0.02% 3.99%
+5.0% YoY
4.15%
+0.0% YoY
3.95%
+4.9% YoY
54%
Efficiency Ratio ? 75.22%
+1.3% YoY +1.5% QoQ
+10.74% 64.48%
-3.2% YoY
69.40%
-0.9% YoY
70.05%
+2.5% YoY
20%
Delinquency Rate ? 1.45%
+43.0% YoY -12.9% QoQ
+0.53% 0.92%
+15.7% YoY
1.53%
+7.9% YoY
0.98%
+16.3% YoY
19%
Loan-to-Deposit Ratio ? 79.84%
-8.9% YoY -0.7% QoQ
+1.89% 77.95%
+1.0% YoY
77.15%
-1.0% YoY
79.03%
+2.3% YoY
50%
Non-Interest-Bearing Deposit Share ? 19.94%
+0.4% YoY -0.0% QoQ
-2.09% 22.03%
-0.6% YoY
24.65%
+0.5% YoY
21.98%
-0.6% YoY
45%
Nonperforming Asset Ratio ? 0.81%
+25.4% YoY -14.7% QoQ
+0.14% 0.67%
+16.4% YoY
1.11%
+4.1% YoY
0.69%
+15.8% YoY
26%
Tier 1 Capital Ratio ? 43.37%
-0.8% YoY -2.1% QoQ
+27.46% 15.91%
+1.4% YoY
17.35%
+5.4% YoY
17.09%
+0.8% YoY
Top 1.3% in tier
Non-Interest Income / Assets ? 0.25%
-26.0% YoY +98.9% QoQ
-0.32% 0.57%
+7.6% 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

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Noninterest-Bearing 19.9%
+0.1pp YoY
0.0pp QoQ
 -2.2pp 22.1% 24.6% 22.2% 45%
Brokered Deposits 3.4%
-0.3pp YoY
-0.4pp QoQ
 -4.5pp 7.9% 6.7% 8.5% 41%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
C&I 16.3%
+1.2pp YoY
+0.5pp QoQ
 +4.8pp 11.6% 12.6% 12.5% 80%
CRE 36.1%
-0.3pp YoY
0.0pp QoQ
 -3.4pp 39.5% 44.9% 41.4% 45%
1-4 Family 47.8%
-0.8pp YoY
-0.6pp QoQ
 +15.1pp 32.6% 34.2% 31.3% 80%
Consumer 1.1%
-0.3pp YoY
0.0pp QoQ
 -3.0pp 4.1% 4.2% 5.0% 31%

Capital

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
CET1 Ratio 43.4%
-0.4pp YoY
-0.9pp QoQ
 +24.5pp 18.8% 22.5% 19.7% 98%
Leverage Ratio 26.5%
-1.0pp YoY
+0.3pp QoQ
 +14.4pp 12.2% 13.4% 12.6% 98%
Total Capital Ratio 44.6%
-0.4pp YoY
-0.9pp QoQ
 +24.7pp 19.9% 23.6% 20.8% 98%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Full-Time Employees 49
0 YoY
0 QoQ
 -10 58 114 482 52%
Assets per Employee ($) $5.9M
+6.0% YoY
+0.5% QoQ
 -$1.7M $7.5M $6.8M $8.8M 30%
Branch Count 6
0 YoY
0 QoQ
 +1 4 9 18 66%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Past Due 90+ Days 0.1%
0.0pp YoY
-0.1pp QoQ
 -0.2pp 0.3% 0.4% 0.4% 49%
Nonaccrual 1.4%
+0.5pp YoY
-0.2pp QoQ
 +0.4pp 0.9% 1.4% 1.0% 79%
Allowance Coverage 0.94x
-35.4% YoY
+9.8% QoQ
 -23.21x 24.15x 27.36x 20.23x 25%
Net Charge-off Rate (YTD) 0.0%
-0.1pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 66%

Profitability

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
ROE 3.6%
+0.3pp YoY
0.0pp QoQ
 -8.6pp 12.2% 12.5% 11.6% 10%
Cost of Funds (YTD) 1.6%
-0.1pp YoY
0.0pp QoQ
 -0.1pp 1.7% 1.7% 1.7% 42%
Net Income ($, YTD) $1.3M
+10.1% YoY
— QoQ
 -$1.2M $2.6M $5.1M $40.4M 36%

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 (1)

Liquidity Overhang

risk
#63 of 742 • Bottom 8.4% 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: 43.37%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 79.84%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

36
Tier 1 Capital Ratio
capital
Value: 43.37%
Peer Median: 15.91%
#36 of 2643 Top 1.3% in $100M-$1B

Top Weaknesses (2 metrics)

2130
Delinquency Rate
credit_quality
Value: 1.45%
Peer Median: 0.92%
#2130 of 2633 Bottom 19.1% in $100M-$1B
2111
Efficiency Ratio
profitability
Value: 75.22%
Peer Median: 64.48%
#2111 of 2643 Bottom 20.2% in $100M-$1B
Powered by BlastPoint © 2026