BlastPoint's Banking Scorecard
Bank of Zachary
Designations: ✓ CDFI-certified
Zachary, LA
5 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 +1.1% year over year ($359.7M on the books).
- Delinquency rate 0.07%.
- Return on assets 0.98%.
- Efficiency ratio 72.31% vs a 64.48% peer average.
- Loan-to-deposit ratio 84.86% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bank of Zachary has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.41% above tier average
- + Delinquency Rate 0.85% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 38.0% in tier
- - ROA 0.34% below tier average
- - Efficiency Ratio 7.83% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$416.0M
+4.4% YoY
-1.5% QoQ
|
+$29.4M |
$386.6M
+1.2% YoY
|
$799.3M
+7.8% YoY
|
$6.3B
+7.7% YoY
|
63% |
| Total Loans ? |
$305.2M
+15.5% YoY
-0.5% QoQ
|
+$46.9M |
$258.3M
+1.7% YoY
|
$538.5M
+5.3% YoY
|
$3.2B
+9.4% YoY
|
68% |
| Total Deposits ? |
$359.7M
+1.1% YoY
-3.3% QoQ
|
+$32.9M |
$326.7M
+0.7% YoY
|
$677.9M
+7.3% YoY
|
$4.9B
+7.3% YoY
|
64% |
| Return on Assets ? |
0.98%
+17.7% YoY
+1.2% QoQ
|
-0.34% |
1.32%
+10.8% YoY
|
1.37%
+23.6% YoY
|
1.30%
+12.1% YoY
|
32% |
| Net Interest Margin ? |
4.39%
+13.7% YoY
+1.4% QoQ
|
+0.41% |
3.99%
+5.0% YoY
|
4.15%
+0.0% YoY
|
3.95%
+4.9% YoY
|
75% |
| Efficiency Ratio ? |
72.31%
-3.9% YoY
-1.0% QoQ
|
+7.83% |
64.48%
-3.2% YoY
|
69.40%
-0.9% YoY
|
70.05%
+2.5% YoY
|
25% |
| Delinquency Rate ? |
0.07%
-65.6% YoY
-64.1% QoQ
|
-0.85% |
0.92%
+15.7% YoY
|
1.53%
+7.9% YoY
|
0.98%
+16.3% YoY
|
77% |
| Loan-to-Deposit Ratio ? |
84.86%
+14.3% YoY
+3.0% QoQ
|
+6.91% |
77.95%
+1.0% YoY
|
77.15%
-1.0% YoY
|
79.03%
+2.3% YoY
|
38% |
| Non-Interest-Bearing Deposit Share ? |
29.51%
+4.5% YoY
-1.3% QoQ
|
+7.48% |
22.03%
-0.6% YoY
|
24.65%
+0.5% YoY
|
21.98%
-0.6% YoY
|
81% |
| Nonperforming Asset Ratio ? |
0.05%
-62.0% YoY
-68.4% QoQ
|
-0.62% |
0.67%
+16.4% YoY
|
1.11%
+4.1% YoY
|
0.69%
+15.8% YoY
|
78% |
| Tier 1 Capital Ratio ? |
18.40%
-9.3% YoY
+0.5% QoQ
|
+2.49% |
15.91%
+1.4% YoY
|
17.35%
+5.4% YoY
|
17.09%
+0.8% YoY
|
82% |
| Non-Interest Income / Assets ? |
0.14%
-30.1% YoY
+109.2% QoQ
|
-0.43% |
0.57%
+7.6% YoY
|
0.33%
+19.6% YoY
|
0.66%
+5.2% YoY
|
30% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
29.5%
+1.3pp YoY -0.4pp QoQ |
+7.4pp | 22.1% | 24.6% | 22.2% | 80% |
| 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 |
3.6%
+0.6pp YoY -0.4pp QoQ |
-7.9pp | 11.6% | 12.6% | 12.5% | 12% |
| CRE |
49.1%
+4.4pp YoY +0.2pp QoQ |
+9.5pp | 39.5% | 44.9% | 41.4% | 68% |
| 1-4 Family |
42.7%
-4.9pp YoY +0.4pp QoQ |
+10.1pp | 32.6% | 34.2% | 31.3% | 74% |
| Consumer |
1.5%
-0.4pp YoY 0.0pp QoQ |
-2.7pp | 4.1% | 4.2% | 5.0% | 38% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
18.4%
-1.9pp YoY +0.1pp QoQ |
-0.4pp | 18.8% | 22.5% | 19.7% | 72% |
| Leverage Ratio |
11.9%
-0.2pp YoY +0.1pp QoQ |
-0.3pp | 12.2% | 13.4% | 12.6% | 64% |
| Total Capital Ratio |
19.4%
-2.0pp YoY +0.1pp QoQ |
-0.5pp | 19.9% | 23.6% | 20.8% | 71% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
66
+2 (+3.1%) YoY +2 (+3.1%) QoQ |
+7 | 58 | 114 | 482 | 68% |
| Assets per Employee ($) |
$6.3M
+1.3% YoY -4.4% QoQ |
-$1.2M | $7.5M | $6.8M | $8.8M | 39% |
| Branch Count |
5
0 YoY 0 QoQ |
0 | 4 | 9 | 18 | 55% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.4% | 0.4% | 0% |
| Nonaccrual |
0.1%
-0.1pp YoY -0.1pp QoQ |
-0.9pp | 0.9% | 1.4% | 1.0% | 15% |
| Allowance Coverage |
12.75x
+160.8% YoY +176.9% QoQ |
-11.41x | 24.15x | 27.36x | 20.23x | 85% |
| Net Charge-off Rate (YTD) |
0.2%
+0.1pp YoY 0.0pp QoQ |
0.0pp | 0.1% | 0.1% | 0.2% | 82% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.5%
+1.1pp YoY +0.1pp QoQ |
-1.7pp | 12.2% | 12.5% | 11.6% | 40% |
| Cost of Funds (YTD) |
1.4%
-0.1pp YoY 0.0pp QoQ |
-0.3pp | 1.7% | 1.7% | 1.7% | 30% |
| Net Income ($, YTD) |
$2.0M
+22.7% YoY — QoQ |
-$509K | $2.6M | $5.1M | $40.4M | 53% |
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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.