BlastPoint's Banking Scorecard

Crescent Bank

$1B-$10B Specialty: Other LA FDIC cert 33492

Designations: ✓ Community bank

Metairie, LA

5 branches across LA · FL · OH

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 -3.2% year over year ($880.1M on the books).
Delinquency rate 1.30%.
Return on assets 8.34%.
Efficiency ratio 0.00% vs a 59.73% peer average.
Loan-to-deposit ratio 43.66% 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) →

Crescent Bank has 3 strengths 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

+ Profitability Leader: Top 1.8% in tier
+ Efficiency Ratio 59.73% below tier average
+ Net Interest Margin 0.61% above tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 26.7% in tier
- Liquidity Overhang: Bottom 46.5% in tier
- Non-Interest-Bearing Deposit Share 19.94% below tier average
- Non-Interest Income / Assets 3.12% below tier average
- Delinquency Rate 0.43% above tier average

Get updates when Crescent Bank 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 +2.5% YoY +5.9% QoQ	-$1.7B	$2.8B -0.6% YoY	$799.3M +7.8% YoY	$6.3B +7.7% YoY	Bottom 6.3% in tier
Total Loans ?	$384.3M -53.5% YoY +18.3% QoQ	-$1.6B	$2.0B -0.3% YoY	$538.5M +5.3% YoY	$3.2B +9.4% YoY	Bottom 1.8% in tier
Total Deposits ?	$880.1M -3.2% YoY +5.7% QoQ	-$1.4B	$2.3B -0.5% YoY	$677.9M +7.3% YoY	$4.9B +7.3% YoY	Bottom 5.4% in tier
Return on Assets ?	8.34% +212.5% YoY -57.5% QoQ	+6.95%	1.39% +17.0% YoY	1.37% +23.6% YoY	1.30% +12.1% YoY	Top 0.3% in tier
Net Interest Margin ?	4.48% -68.1% YoY -36.0% QoQ	+0.61%	3.87% +6.2% YoY	4.15% +0.0% YoY	3.95% +4.9% YoY	Top 12.8% in tier
Efficiency Ratio ?	0.00% -100.0% YoY	-59.73%	59.73% -12.6% YoY	69.40% -0.9% YoY	70.05% +2.5% YoY	Top 0.1% in tier
Delinquency Rate ?	1.30% -59.4% YoY +19.4% QoQ	+0.43%	0.87% +11.7% YoY	1.53% +7.9% YoY	0.98% +16.3% YoY	21%
Loan-to-Deposit Ratio ?	43.66% -52.0% YoY +11.9% QoQ	-41.37%	85.04% -0.1% YoY	77.15% -1.0% YoY	79.03% +2.3% YoY	Top 2.9% in tier
Non-Interest-Bearing Deposit Share ?	1.33% -15.4% YoY -11.6% QoQ	-19.94%	21.27% -1.5% YoY	24.65% +0.5% YoY	21.98% -0.6% YoY	Bottom 1.7% in tier
Nonperforming Asset Ratio ?	0.47% -81.6% YoY +33.4% QoQ	-0.21%	0.67% +11.7% YoY	1.11% +4.1% YoY	0.69% +15.8% YoY	46%
Tier 1 Capital Ratio ?	34.05% +143.5% YoY -6.8% QoQ	+19.20%	14.84% -0.4% YoY	17.35% +5.4% YoY	17.09% +0.8% YoY	Top 1.5% in tier
Non-Interest Income / Assets ?	-2.59% -22.9% QoQ	-3.12%	0.53% +2.5% YoY	0.33% +19.6% YoY	0.66% +5.2% YoY	Bottom 0.1% 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	1.3% -0.2pp YoY -0.2pp QoQ	-20.0pp	21.4%	24.6%	22.2%	1%
Brokered Deposits	2.9% +0.1pp YoY -0.2pp QoQ	-6.6pp	9.5%	6.7%	8.5%	34%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
C&I	12.4% +8.1pp YoY +3.3pp QoQ	-1.6pp	14.0%	12.6%	12.5%	56%
CRE	12.6% +11.2pp YoY -0.2pp QoQ	-37.5pp	50.0%	44.9%	41.4%	2%
1-4 Family	6.9% +3.3pp YoY -1.8pp QoQ	-19.5pp	26.4%	34.2%	31.3%	10%
Consumer	17.7% -83.2pp YoY +7.5pp QoQ	+13.0pp	4.7%	4.2%	5.0%	94%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
CET1 Ratio	34.0% +20.1pp YoY -2.5pp QoQ	+18.5pp	15.6%	22.5%	19.7%	98%
Leverage Ratio	15.0% +2.6pp YoY -2.3pp QoQ	+3.7pp	11.3%	13.4%	12.6%	93%
Total Capital Ratio	35.2% +19.9pp YoY -2.0pp QoQ	+18.5pp	16.7%	23.6%	20.8%	98%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Full-Time Employees	44 -198 (-81.8%) YoY -2 (-4.3%) QoQ	-270	313	114	482	0%
Assets per Employee ($)	$24.2M +463.9% YoY +10.7% QoQ	+$13.7M	$10.5M	$6.8M	$8.8M	96%
Branch Count	5 -1 (-16.7%) YoY 0 QoQ	-15	20	9	18	12%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Past Due 90+ Days	0.6% -1.2pp YoY +0.4pp QoQ	+0.4pp	0.2%	0.4%	0.4%	94%
Nonaccrual	0.7% -0.7pp YoY -0.2pp QoQ	-0.1pp	0.8%	1.4%	1.0%	64%
Allowance Coverage	1.03x -67.6% YoY +23.7% QoQ	-17.68x	18.71x	27.36x	20.23x	25%
Net Charge-off Rate (YTD)	-6.7% -16.9pp YoY +5.7pp QoQ	-7.0pp	0.3%	0.1%	0.2%	0%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
ROE	59.1% +33.1pp YoY -81.9pp QoQ	+46.6pp	12.6%	12.5%	11.6%	100%
Cost of Funds (YTD)	3.4% -0.3pp YoY -0.1pp QoQ	+1.5pp	1.9%	1.7%	1.7%	99%
Net Income ($, YTD)	$42.3M +195.4% YoY — QoQ	+$23.0M	$19.2M	$5.1M	$40.4M	90%

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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 (1)

Profitability Leader

growth

#5 of 222 • Top 1.8% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 8.34%

(Tier: 1.39%, National: 1.30%)

better than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | QoQ rank declining

Concerns (2)

Deposit Outflow

decline

#36 of 131 • Bottom 26.7% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

131 of 131 Mid-Market banks match · 686 nationally

→ Stable +31 banks QoQ | QoQ rank declining

Liquidity Overhang

risk

#81 of 172 • Bottom 46.5% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 34.05%

(Tier: 14.84%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 43.66%

(Tier: 85.04%, National: 79.03%)

better than tier avg

172 of 172 Mid-Market banks match · 940 nationally

→ Stable +7 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 (5 metrics)

Efficiency Ratio

profitability

Value: 0.00%

Peer Median: 59.73%

#1 of 885 Top 0.1% in $1B-$10B

Return on Assets

profitability

Value: 8.34%

Peer Median: 1.39%

#4 of 885 Top 0.3% in $1B-$10B

Tier 1 Capital Ratio

capital

Value: 34.05%

Peer Median: 14.84%

#14 of 885 Top 1.5% in $1B-$10B

Loan-to-Deposit Ratio

liquidity

Value: 43.66%

Peer Median: 85.04%

#27 of 885 Top 2.9% in $1B-$10B

114

Net Interest Margin

profitability

Value: 4.48%

Peer Median: 3.87%

#114 of 885 Top 12.8% in $1B-$10B

Top Weaknesses (6 metrics)

885

Non-Interest Income / Assets

revenue_mix

Value: -2.59%

Peer Median: 0.53%

#885 of 885 Bottom 0.1% in $1B-$10B

871

Non-Interest-Bearing Deposit Share

funding

Value: 1.33%

Peer Median: 21.27%

#871 of 885 Bottom 1.7% in $1B-$10B

870

Total Loans

size

Value: $384.27M

Peer Median: $1.96B

#870 of 885 Bottom 1.8% in $1B-$10B

838

Total Deposits

size

Value: $880.10M

Peer Median: $2.32B

#838 of 885 Bottom 5.4% in $1B-$10B

830

Total Assets

size

Value: $1.07B

Peer Median: $2.79B

#830 of 885 Bottom 6.3% in $1B-$10B

701

Delinquency Rate

credit_quality

Value: 1.30%

Peer Median: 0.87%

#701 of 882 Bottom 20.6% in $1B-$10B