BlastPoint's Banking Scorecard
Catalyst Bank
Designations: ✓ CDFI-certified
Opelousas, LA
6 branches across LA
Catalyst Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.06% above tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 6.9% in tier
- - ROA 0.33% below tier average
- - Efficiency Ratio 8.85% above tier average
- - Delinquency Rate 0.77% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$285.3M
+6.3% YoY
+2.0% QoQ
|
-$100.8M |
$386.1M
+0.5% YoY
|
$784.8M
+7.0% YoY
|
$6.2B
+9.1% YoY
|
43% |
| Total Loans ? |
$161.4M
-1.3% YoY
-3.8% QoQ
|
-$94.3M |
$255.7M
+1.1% YoY
|
$523.7M
+4.0% YoY
|
$3.2B
+10.8% YoY
|
39% |
| Total Deposits ? |
$200.6M
+10.0% YoY
+5.2% QoQ
|
-$127.3M |
$328.0M
+0.1% YoY
|
$671.5M
+6.9% YoY
|
$4.8B
+8.2% YoY
|
34% |
| Return on Assets ? |
0.94%
+3.4% YoY
+16.7% QoQ
|
-0.33% |
1.27%
+12.9% YoY
|
1.24%
+12.4% YoY
|
1.23%
+13.4% YoY
|
34% |
| Net Interest Margin ? |
3.99%
+2.9% YoY
+1.0% QoQ
|
+0.06% |
3.93%
+6.0% YoY
|
4.12%
+1.2% YoY
|
3.89%
+5.7% YoY
|
57% |
| Efficiency Ratio ? |
74.14%
+0.2% YoY
-1.6% QoQ
|
+8.85% |
65.29%
-4.5% YoY
|
70.37%
-1.0% YoY
|
66.95%
-4.1% YoY
|
24% |
| Delinquency Rate ? |
1.66%
+65.0% YoY
+5.4% QoQ
|
+0.77% |
0.89%
+18.8% YoY
|
1.51%
+4.5% YoY
|
0.95%
+18.8% YoY
|
16% |
| Loan-to-Deposit Ratio ? |
80.43%
-10.3% YoY
-8.6% QoQ
|
+3.79% |
76.64%
+0.8% YoY
|
75.16%
-1.5% YoY
|
76.70%
+0.9% YoY
|
46% |
| Non-Interest-Bearing Deposit Share ? |
19.94%
+30.1% YoY
+7.3% QoQ
|
-2.08% |
22.02%
-1.0% YoY
|
24.55%
-1.4% YoY
|
22.01%
-1.2% YoY
|
45% |
| Nonperforming Asset Ratio ? |
0.95%
+48.1% YoY
-0.7% QoQ
|
+0.31% |
0.64%
+19.7% YoY
|
1.07%
+4.2% YoY
|
0.67%
+19.3% YoY
|
21% |
| Tier 1 Capital Ratio ? |
44.29%
-5.7% YoY
+4.3% QoQ
|
+28.46% |
15.83%
+1.5% YoY
|
16.56%
+0.4% YoY
|
17.06%
+0.8% YoY
|
Top 1.1% in tier |
| Non-Interest Income / Assets ? |
0.12%
-40.1% YoY
-76.3% QoQ
|
-0.16% |
0.28%
+9.3% YoY
|
0.11%
-17.3% YoY
|
0.32%
+4.1% YoY
|
64% |
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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 (1)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.