BlastPoint's Banking Scorecard
The Mer Rouge State Bank
Designations: ✓ Community bank ✓ CDFI-certified
Mer Rouge, 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 536 banks in the under $100M peer group nationwide — 1 of 11 in LA.
- Deposits +8.9% year over year ($45.0M on the books).
- Delinquency rate 0.55%.
- Return on assets 1.15%.
- Efficiency ratio 72.45% vs a 119.40% peer average.
- Loan-to-deposit ratio 75.28% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Mer Rouge State Bank shows strong momentum with 4 strengths and 11.3% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.15% above tier average
- + Net Interest Margin 1.14% above tier average
- + Efficiency Ratio 46.95% below tier average
- + Delinquency Rate 0.93% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$51.8M
+11.3% YoY
+4.5% QoQ
|
-$10.6M |
$62.4M
-0.0% YoY
|
$799.3M
+7.8% YoY
|
$6.3B
+7.7% YoY
|
34% |
| Total Loans ? |
$33.9M
+35.9% YoY
+14.9% QoQ
|
-$1.0M |
$34.9M
-0.6% YoY
|
$538.5M
+5.3% YoY
|
$3.2B
+9.4% YoY
|
51% |
| Total Deposits ? |
$45.0M
+8.9% YoY
+2.3% QoQ
|
-$6.6M |
$51.6M
-0.2% YoY
|
$677.9M
+7.3% YoY
|
$4.9B
+7.3% YoY
|
36% |
| Return on Assets ? |
1.15%
+104.1% YoY
+10.9% QoQ
|
+0.15% |
1.00%
+3.5% YoY
|
1.37%
+23.6% YoY
|
1.30%
+12.1% YoY
|
59% |
| Net Interest Margin ? |
5.05%
+5.5% YoY
-0.4% QoQ
|
+1.14% |
3.91%
+2.3% YoY
|
4.15%
+0.0% YoY
|
3.95%
+4.9% YoY
|
Top 11.4% in tier |
| Efficiency Ratio ? |
72.45%
-6.0% YoY
-2.2% QoQ
|
-46.95% |
119.40%
+49.6% YoY
|
69.40%
-0.9% YoY
|
70.05%
+2.5% YoY
|
47% |
| Delinquency Rate ? |
0.55%
-61.6% YoY
|
-0.93% |
1.48%
+31.8% YoY
|
1.53%
+7.9% YoY
|
0.98%
+16.3% YoY
|
48% |
| Loan-to-Deposit Ratio ? |
75.28%
+24.8% YoY
+12.4% QoQ
|
+1.07% |
74.21%
+12.6% YoY
|
77.15%
-1.0% YoY
|
79.03%
+2.3% YoY
|
37% |
| Non-Interest-Bearing Deposit Share ? |
34.51%
+10.3% YoY
-1.8% QoQ
|
+11.02% |
23.49%
+0.6% YoY
|
24.65%
+0.5% YoY
|
21.98%
-0.6% YoY
|
84% |
| Nonperforming Asset Ratio ? |
0.36%
-53.1% YoY
|
-0.48% |
0.84%
+23.0% YoY
|
1.11%
+4.1% YoY
|
0.69%
+15.8% YoY
|
46% |
| Tier 1 Capital Ratio ? |
12.61%
-6.1% YoY
+0.3% QoQ
|
-14.51% |
27.13%
+3.0% YoY
|
17.35%
+5.4% YoY
|
17.09%
+0.8% YoY
|
28% |
| Non-Interest Income / Assets ? |
0.12%
-14.4% YoY
+76.9% QoQ
|
-1.26% |
1.38%
+6.3% YoY
|
0.33%
+19.6% YoY
|
0.66%
+5.2% YoY
|
47% |
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 |
34.5%
+3.2pp YoY -0.6pp QoQ |
+9.9pp | 24.6% | 24.6% | 22.2% | 83% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 |
13.2%
-8.8pp YoY -1.8pp QoQ |
-0.2pp | 13.4% | 12.6% | 12.5% | 62% |
| CRE |
39.6%
+26.6pp YoY +5.7pp QoQ |
+14.4pp | 25.2% | 44.9% | 41.4% | 84% |
| 1-4 Family |
8.8%
-3.6pp YoY +0.6pp QoQ |
-26.2pp | 35.0% | 34.2% | 31.3% | 19% |
| Consumer |
1.8%
-1.2pp YoY -0.3pp QoQ |
-5.9pp | 7.7% | 4.2% | 5.0% | 21% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 22.5% | 19.7% | n/a |
| Leverage Ratio |
12.6%
-0.8pp YoY 0.0pp QoQ |
-5.1pp | 17.7% | 13.4% | 12.6% | 48% |
| Total Capital Ratio | n/a | n/a | 39.7% | 23.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
11
0 YoY 0 QoQ |
-1 | 12 | 114 | 482 | 50% |
| Assets per Employee ($) |
$4.7M
+11.3% YoY +4.5% QoQ |
-$1.5M | $6.2M | $6.8M | $8.8M | 31% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 9 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.6%
-0.9pp YoY |
-0.4pp | 1.0% | 0.4% | 0.4% | 53% |
| Nonaccrual | n/a | n/a | 1.7% | 1.4% | 1.0% | n/a |
| Allowance Coverage |
1.73x
+97.6% YoY |
-4.68x | 6.41x | 27.36x | 20.23x | 58% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.6%
+5.0pp YoY +1.0pp QoQ |
+4.2pp | 6.4% | 12.5% | 11.6% | 66% |
| Cost of Funds (YTD) |
1.2%
-0.2pp YoY 0.0pp QoQ |
-0.2pp | 1.4% | 1.7% | 1.7% | 37% |
| Net Income ($, YTD) |
$290,000
+110.1% YoY — QoQ |
-$28K | $317,817 | $5.1M | $40.4M | 50% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.