BlastPoint's Banking Scorecard

First Federal Bank of Louisiana

$1B-$10B Specialty: Commercial LA FDIC cert 30441

Designations: ✓ Community bank

Lake Charles, LA

16 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 885 banks in the $1B-$10B peer group nationwide — 1 of 18 in LA.
Deposits +0.7% year over year ($991.6M on the books).
Delinquency rate 0.17%.
Return on assets 0.32%.
Efficiency ratio 82.10% vs a 59.73% peer average.
Loan-to-deposit ratio 63.96% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 18 in LA

View $1B-$10B leaderboard (LA) →

First Federal Bank of Louisiana has 2 strengths but faces 3 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

+ Loan-to-Deposit Ratio 21.07% below tier average
+ Delinquency Rate 0.70% below tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 40.0% in tier
- Return on Assets 1.07% below tier average
- Net Interest Margin 0.99% below tier average

Get updates when First Federal Bank of Louisiana releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Total Assets ?	$1.1B +2.0% YoY -2.3% QoQ	-$1.6B	$2.8B -0.6% YoY	$799.3M +7.8% YoY	$6.3B +7.7% YoY	Bottom 13.8% in tier
Total Loans ?	$634.2M -5.2% YoY +0.2% QoQ	-$1.3B	$2.0B -0.3% YoY	$538.5M +5.3% YoY	$3.2B +9.4% YoY	Bottom 5.2% in tier
Total Deposits ?	$991.6M +0.7% YoY -2.7% QoQ	-$1.3B	$2.3B -0.5% YoY	$677.9M +7.3% YoY	$4.9B +7.3% YoY	15%
Return on Assets ?	0.32% +76.2% YoY -15.7% QoQ	-1.07%	1.39% +17.0% YoY	1.37% +23.6% YoY	1.30% +12.1% YoY	Bottom 4.0% in tier
Net Interest Margin ?	2.88% +8.6% YoY +3.3% QoQ	-0.99%	3.87% +6.2% YoY	4.15% +0.0% YoY	3.95% +4.9% YoY	Bottom 11.2% in tier
Efficiency Ratio ?	82.10% -3.6% YoY -3.9% QoQ	+22.37%	59.73% -12.6% YoY	69.40% -0.9% YoY	70.05% +2.5% YoY	Bottom 5.3% in tier
Delinquency Rate ?	0.17% -93.8% YoY -3.4% QoQ	-0.70%	0.87% +11.7% YoY	1.53% +7.9% YoY	0.98% +16.3% YoY	81%
Loan-to-Deposit Ratio ?	63.96% -5.8% YoY +3.0% QoQ	-21.07%	85.04% -0.1% YoY	77.15% -1.0% YoY	79.03% +2.3% YoY	Top 9.5% in tier
Non-Interest-Bearing Deposit Share ?	18.17% -4.0% YoY +1.6% QoQ	-3.10%	21.27% -1.5% YoY	24.65% +0.5% YoY	21.98% -0.6% YoY	41%
Nonperforming Asset Ratio ?	1.52% -8.1% YoY +1.4% QoQ	+0.84%	0.67% +11.7% YoY	1.11% +4.1% YoY	0.69% +15.8% YoY	Bottom 10.1% in tier
Tier 1 Capital Ratio ?	21.41% +5.5% YoY +0.0% QoQ	+6.57%	14.84% -0.4% YoY	17.35% +5.4% YoY	17.09% +0.8% YoY	Top 5.9% in tier
Non-Interest Income / Assets ?	0.32% +0.7% YoY +117.7% QoQ	-0.21%	0.53% +2.5% YoY	0.33% +19.6% YoY	0.66% +5.2% YoY	56%

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	18.2% -0.7pp YoY +0.3pp QoQ	-3.2pp	21.4%	24.6%	22.2%	41%
Brokered Deposits	n/a	n/a	9.5%	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	5.8% -0.2pp YoY 0.0pp QoQ	-8.2pp	14.0%	12.6%	12.5%	23%
CRE	51.2% -0.2pp YoY +0.3pp QoQ	+1.2pp	50.0%	44.9%	41.4%	55%
1-4 Family	41.2% +0.4pp YoY -0.3pp QoQ	+14.7pp	26.4%	34.2%	31.3%	83%
Consumer	2.5% +0.2pp YoY +0.1pp QoQ	-2.2pp	4.7%	4.2%	5.0%	70%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
CET1 Ratio	21.4% +1.1pp YoY 0.0pp QoQ	+5.8pp	15.6%	22.5%	19.7%	93%
Leverage Ratio	12.0% +0.3pp YoY 0.0pp QoQ	+0.6pp	11.3%	13.4%	12.6%	76%
Total Capital Ratio	22.5% +1.1pp YoY +0.2pp QoQ	+5.8pp	16.7%	23.6%	20.8%	93%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Full-Time Employees	197 -4 (-2.0%) YoY +5 (+2.6%) QoQ	-117	313	114	482	41%
Assets per Employee ($)	$5.8M +4.1% YoY -4.8% QoQ	-$4.7M	$10.5M	$6.8M	$8.8M	10%
Branch Count	16 0 YoY 0 QoQ	-4	20	9	18	53%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.2%	0.4%	0.4%	7%
Nonaccrual	0.2% -2.5pp YoY 0.0pp QoQ	-0.7pp	0.8%	1.4%	1.0%	18%
Allowance Coverage	6.00x +1512.8% YoY +23.7% QoQ	-12.71x	18.71x	27.36x	20.23x	81%
Net Charge-off Rate (YTD)	0.4% +0.4pp YoY -0.4pp QoQ	+0.2pp	0.3%	0.1%	0.2%	90%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
ROE	3.0% +1.2pp YoY -0.6pp QoQ	-9.6pp	12.6%	12.5%	11.6%	4%
Cost of Funds (YTD)	1.7% -0.2pp YoY 0.0pp QoQ	-0.2pp	1.9%	1.7%	1.7%	39%
Net Income ($, YTD)	$1.9M +78.1% YoY — QoQ	-$17.4M	$19.2M	$5.1M	$40.4M	3%

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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)

Efficiency Drag

risk

#25 of 60 • Bottom 40.0% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 82.10%

(Tier: 59.73%, National: 70.05%)

worse than tier avg

60 of 60 Mid-Market banks match · 426 nationally

↓ Shrinking -64 banks QoQ | QoQ rank improving

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 885 peers in $1B-$10B

Top Strengths (3 metrics)

Tier 1 Capital Ratio

capital

Value: 21.41%

Peer Median: 14.84%

#53 of 885 Top 5.9% in $1B-$10B

Loan-to-Deposit Ratio

liquidity

Value: 63.96%

Peer Median: 85.04%

#85 of 885 Top 9.5% in $1B-$10B

171

Delinquency Rate

credit_quality

Value: 0.17%

Peer Median: 0.87%

#171 of 882 Top 19.3% in $1B-$10B

Top Weaknesses (7 metrics)

851

Return on Assets

profitability

Value: 0.32%

Peer Median: 1.39%

#851 of 885 Bottom 4.0% in $1B-$10B

840

Total Loans

size

Value: $634.25M

Peer Median: $1.96B

#840 of 885 Bottom 5.2% in $1B-$10B

839

Efficiency Ratio

profitability

Value: 82.10%

Peer Median: 59.73%

#839 of 885 Bottom 5.3% in $1B-$10B

797

Nonperforming Asset Ratio

credit_quality

Value: 1.52%

Peer Median: 0.67%

#797 of 885 Bottom 10.1% in $1B-$10B

787

Net Interest Margin

profitability

Value: 2.88%

Peer Median: 3.87%

#787 of 885 Bottom 11.2% in $1B-$10B

764

Total Assets

size

Value: $1.15B

Peer Median: $2.79B

#764 of 885 Bottom 13.8% in $1B-$10B

753

Total Deposits

size

Value: $991.56M

Peer Median: $2.32B

#753 of 885 Bottom 15.0% in $1B-$10B