BlastPoint's Banking Scorecard

Beauregard Federal Savings Bank

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

Deridder, LA

2 branches across LA

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

Beauregard Federal Savings Bank has 1 strength but faces 4 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 1.13% above tier average

Key Concerns

Areas that may need attention

- NIB Deposit Bleed: Bottom 0.5% in tier
- Delinquency Rate 1.51% above tier average
- Nonperforming Asset Ratio 1.28% above tier average
- Efficiency Ratio 1.87% 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 ?	$103.6M +28.1% YoY +4.3% QoQ	-$282.4M	$386.1M +0.5% YoY	$784.8M +7.0% YoY	$6.2B +9.1% YoY	Bottom 1.4% in tier
Total Loans ?	$77.7M +39.4% YoY +5.2% QoQ	-$178.0M	$255.7M +1.1% YoY	$523.7M +4.0% YoY	$3.2B +10.8% YoY	Bottom 10.1% in tier
Total Deposits ?	$82.4M +22.6% YoY +4.9% QoQ	-$245.6M	$328.0M +0.1% YoY	$671.5M +6.9% YoY	$4.8B +8.2% YoY	Bottom 1.1% in tier
Return on Assets ?	1.23% +158.4% YoY +54.8% QoQ	-0.04%	1.27% +12.9% YoY	1.24% +12.4% YoY	1.23% +13.4% YoY	52%
Net Interest Margin ?	5.06% +8.5% YoY +4.2% QoQ	+1.13%	3.93% +6.0% YoY	4.12% +1.2% YoY	3.89% +5.7% YoY	Top 6.3% in tier
Efficiency Ratio ?	67.15% -16.1% YoY -8.3% QoQ	+1.87%	65.29% -4.5% YoY	70.37% -1.0% YoY	66.95% -4.1% YoY	39%
Delinquency Rate ?	2.40% -39.1% YoY -16.3% QoQ	+1.51%	0.89% +18.8% YoY	1.51% +4.5% YoY	0.95% +18.8% YoY	Bottom 9.0% in tier
Loan-to-Deposit Ratio ?	94.33% +13.8% YoY +0.2% QoQ	+17.69%	76.64% +0.8% YoY	75.16% -1.5% YoY	76.70% +0.9% YoY	16%
Non-Interest-Bearing Deposit Share ?	4.66% -45.6% YoY +49.1% QoQ	-17.35%	22.02% -1.0% YoY	24.55% -1.4% YoY	22.01% -1.2% YoY	Bottom 3.3% in tier
Nonperforming Asset Ratio ?	1.92% -34.7% YoY -19.8% QoQ	+1.28%	0.64% +19.7% YoY	1.07% +4.2% YoY	0.67% +19.3% YoY	Bottom 7.5% in tier
Tier 1 Capital Ratio ?	9.77% -12.4% YoY -2.7% QoQ	-6.06%	15.83% +1.5% YoY	16.56% +0.4% YoY	17.06% +0.8% YoY	Bottom 6.8% in tier
Non-Interest Income / Assets ?	0.04% -31.9% YoY -77.7% QoQ	-0.24%	0.28% +9.3% YoY	0.11% -17.3% YoY	0.32% +4.1% YoY	Bottom 13.4% 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 (1)

NIB Deposit Bleed

decline

#2 of 198 • Bottom 0.5% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 4.66%

(Tier: 22.02%, National: 22.01%)

worse than tier avg

198 of 198 Community banks match · 238 nationally

↓ Shrinking -31 banks QoQ

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 (1 metrics)

170

Net Interest Margin

profitability

Value: 5.06%

Peer Median: 3.93%

#170 of 2664 Top 6.3% in $100M-$1B

Top Weaknesses (9 metrics)

2637

Total Deposits

size

Value: $82.38M

Peer Median: $327.97M

#2637 of 2664 Bottom 1.1% in $100M-$1B

2629

Total Assets

size

Value: $103.64M

Peer Median: $386.08M

#2629 of 2664 Bottom 1.4% in $100M-$1B

2578

Non-Interest-Bearing Deposit Share

funding

Value: 4.66%

Peer Median: 22.02%

#2578 of 2664 Bottom 3.3% in $100M-$1B

2484

Tier 1 Capital Ratio

capital

Value: 9.77%

Peer Median: 15.83%

#2484 of 2664 Bottom 6.8% in $100M-$1B

2465

Nonperforming Asset Ratio

credit_quality

Value: 1.92%

Peer Median: 0.64%

#2465 of 2664 Bottom 7.5% in $100M-$1B

2416

Delinquency Rate

credit_quality

Value: 2.40%

Peer Median: 0.89%

#2416 of 2654 Bottom 9.0% in $100M-$1B

2396

Total Loans

size

Value: $77.71M

Peer Median: $255.72M

#2396 of 2664 Bottom 10.1% in $100M-$1B

2309

Non-Interest Income / Assets

revenue_mix

Value: 0.04%

Peer Median: 0.28%

#2309 of 2664 Bottom 13.4% in $100M-$1B

2237

Loan-to-Deposit Ratio

liquidity

Value: 94.33%

Peer Median: 76.64%

#2237 of 2664 Bottom 16.1% in $100M-$1B