BlastPoint's Banking Scorecard

Beauregard Federal Savings Bank

$100M-$1B Specialty: Commercial LA FDIC cert 30339

Deridder, LA

2 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 +28.0% year over year ($84.9M on the books).
Delinquency rate 3.39%.
Return on assets 1.14%.
Efficiency ratio 68.26% vs a 64.48% peer average.
Loan-to-deposit ratio 97.13% 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) →

Beauregard Federal Savings Bank has 1 strength but faces 5 concerns

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

+ Net Interest Margin 0.94% above tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 2.47% above tier average
- Non-Interest-Bearing Deposit Share 16.77% below tier average
- Nonperforming Asset Ratio 2.07% above tier average
- ROA 0.18% below tier average
- Efficiency Ratio 3.78% 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 ?	$106.4M +22.4% YoY +2.7% QoQ	-$280.1M	$386.6M +1.2% YoY	$799.3M +7.8% YoY	$6.3B +7.7% YoY	Bottom 1.6% in tier
Total Loans ?	$82.5M +26.4% YoY +6.1% QoQ	-$175.9M	$258.3M +1.7% YoY	$538.5M +5.3% YoY	$3.2B +9.4% YoY	Bottom 11.7% in tier
Total Deposits ?	$84.9M +28.0% YoY +3.1% QoQ	-$241.8M	$326.7M +0.7% YoY	$677.9M +7.3% YoY	$4.9B +7.3% YoY	Bottom 1.4% in tier
Return on Assets ?	1.14% +136.9% YoY -6.8% QoQ	-0.18%	1.32% +10.8% YoY	1.37% +23.6% YoY	1.30% +12.1% YoY	44%
Net Interest Margin ?	4.93% +4.0% YoY -2.7% QoQ	+0.94%	3.99% +5.0% YoY	4.15% +0.0% YoY	3.95% +4.9% YoY	Top 9.2% in tier
Efficiency Ratio ?	68.26% -14.9% YoY +1.7% QoQ	+3.78%	64.48% -3.2% YoY	69.40% -0.9% YoY	70.05% +2.5% YoY	34%
Delinquency Rate ?	3.39% -35.4% YoY +41.1% QoQ	+2.47%	0.92% +15.7% YoY	1.53% +7.9% YoY	0.98% +16.3% YoY	Bottom 5.2% in tier
Loan-to-Deposit Ratio ?	97.13% -1.3% YoY +3.0% QoQ	+19.17%	77.95% +1.0% YoY	77.15% -1.0% YoY	79.03% +2.3% YoY	Bottom 13.4% in tier
Non-Interest-Bearing Deposit Share ?	5.26% +29.7% YoY +12.8% QoQ	-16.77%	22.03% -0.6% YoY	24.65% +0.5% YoY	21.98% -0.6% YoY	Bottom 3.9% in tier
Nonperforming Asset Ratio ?	2.74% -32.9% YoY +42.8% QoQ	+2.07%	0.67% +16.4% YoY	1.11% +4.1% YoY	0.69% +15.8% YoY	Bottom 4.1% in tier
Tier 1 Capital Ratio ?	9.70% -11.4% YoY -0.8% QoQ	-6.21%	15.91% +1.4% YoY	17.35% +5.4% YoY	17.09% +0.8% YoY	Bottom 7.1% in tier
Non-Interest Income / Assets ?	0.08% -15.1% YoY +90.0% QoQ	-0.49%	0.57% +7.6% YoY	0.33% +19.6% YoY	0.66% +5.2% YoY	Bottom 11.3% 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	5.3% +1.2pp YoY +0.6pp QoQ	-16.9pp	22.1%	24.6%	22.2%	3%
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	10.9% +2.8pp YoY +2.0pp QoQ	-0.7pp	11.6%	12.6%	12.5%	58%
CRE	26.5% -2.1pp YoY -1.5pp QoQ	-13.0pp	39.5%	44.9%	41.4%	29%
1-4 Family	53.6% -1.3pp YoY -0.5pp QoQ	+20.9pp	32.6%	34.2%	31.3%	85%
Consumer	5.6% -1.2pp YoY -0.1pp QoQ	+1.5pp	4.1%	4.2%	5.0%	80%

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	9.7% -1.3pp YoY -0.1pp QoQ	-2.5pp	12.2%	13.4%	12.6%	25%
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	18 0 YoY +1 (+5.9%) QoQ	-41	58	114	482	8%
Assets per Employee ($)	$5.9M +22.4% YoY -3.0% QoQ	-$1.6M	$7.5M	$6.8M	$8.8M	32%
Branch Count	2 0 YoY 0 QoQ	-3	4	9	18	11%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Past Due 90+ Days	2.1% -0.3pp YoY +1.1pp QoQ	+1.8pp	0.3%	0.4%	0.4%	97%
Nonaccrual	1.3% -1.6pp YoY -0.1pp QoQ	+0.4pp	0.9%	1.4%	1.0%	78%
Allowance Coverage	0.24x +11.3% YoY -27.6% QoQ	-23.91x	24.15x	27.36x	20.23x	2%
Net Charge-off Rate (YTD)	0.0% -0.1pp YoY	-0.1pp	0.1%	0.1%	0.2%	61%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
ROE	9.9% +6.3pp YoY -0.6pp QoQ	-2.3pp	12.2%	12.5%	11.6%	36%
Cost of Funds (YTD)	2.2% +0.3pp YoY 0.0pp QoQ	+0.5pp	1.7%	1.7%	1.7%	80%
Net Income ($, YTD)	$589,000 +194.5% YoY — QoQ	-$2.0M	$2.6M	$5.1M	$40.4M	13%

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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 (1 metrics)

243

Net Interest Margin

profitability

Value: 4.93%

Peer Median: 3.99%

#243 of 2643 Top 9.2% in $100M-$1B

Top Weaknesses (9 metrics)

2606

Total Deposits

size

Value: $84.92M

Peer Median: $326.73M

#2606 of 2643 Bottom 1.4% in $100M-$1B

2602

Total Assets

size

Value: $106.44M

Peer Median: $386.57M

#2602 of 2643 Bottom 1.6% in $100M-$1B

2542

Non-Interest-Bearing Deposit Share

funding

Value: 5.26%

Peer Median: 22.03%

#2542 of 2643 Bottom 3.9% in $100M-$1B

2536

Nonperforming Asset Ratio

credit_quality

Value: 2.74%

Peer Median: 0.67%

#2536 of 2643 Bottom 4.1% in $100M-$1B

2497

Delinquency Rate

credit_quality

Value: 3.39%

Peer Median: 0.92%

#2497 of 2633 Bottom 5.2% in $100M-$1B

2457

Tier 1 Capital Ratio

capital

Value: 9.70%

Peer Median: 15.91%

#2457 of 2643 Bottom 7.1% in $100M-$1B

2346

Non-Interest Income / Assets

revenue_mix

Value: 0.08%

Peer Median: 0.57%

#2346 of 2643 Bottom 11.3% in $100M-$1B

2335

Total Loans

size

Value: $82.48M

Peer Median: $258.35M

#2335 of 2643 Bottom 11.7% in $100M-$1B

2289

Loan-to-Deposit Ratio

liquidity

Value: 97.13%

Peer Median: 77.95%

#2289 of 2643 Bottom 13.4% in $100M-$1B