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

884 banks in the $1B-$10B peer group nationally 19 in LA

Crescent Bank has 3 strengths 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

+ Profitability Leader: Top 0.9% in tier
+ Net Interest Margin 3.18% above tier average
+ Efficiency Ratio 61.06% below tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 7.7% in tier
- Non-Interest-Bearing Deposit Share 19.79% below tier average
- Non-Interest Income / Assets 2.37% below tier average
- Delinquency Rate 0.20% 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 ?	$1.0B -4.9% YoY +3.6% QoQ	-$1.8B	$2.8B -0.1% YoY	$784.8M +7.0% YoY	$6.2B +9.1% YoY	Bottom 0.6% in tier
Total Loans ?	$324.9M -61.5% YoY -54.0% QoQ	-$1.6B	$2.0B +0.6% YoY	$523.7M +4.0% YoY	$3.2B +10.8% YoY	Bottom 1.7% in tier
Total Deposits ?	$832.9M -10.8% YoY -1.4% QoQ	-$1.5B	$2.3B -0.3% YoY	$671.5M +6.9% YoY	$4.8B +8.2% YoY	Bottom 3.3% in tier
Return on Assets ?	19.63% +860.7% YoY	+18.27%	1.37% +19.6% YoY	1.24% +12.4% YoY	1.23% +13.4% YoY	Top 0.2% in tier
Net Interest Margin ?	7.00% -49.9% YoY -47.7% QoQ	+3.18%	3.82% +6.9% YoY	4.12% +1.2% YoY	3.89% +5.7% YoY	Top 1.6% in tier
Efficiency Ratio ?	0.00% -100.0% YoY -100.0% QoQ	-61.06%	61.06% -4.6% YoY	70.37% -1.0% YoY	66.95% -4.1% YoY	Top 0.1% in tier
Delinquency Rate ?	1.09% -62.4% YoY -74.2% QoQ	+0.20%	0.89% +14.1% YoY	1.51% +4.5% YoY	0.95% +18.8% YoY	24%
Loan-to-Deposit Ratio ?	39.01% -56.9% YoY -53.3% QoQ	-45.19%	84.20% +0.3% YoY	75.16% -1.5% YoY	76.70% +0.9% YoY	Top 2.6% in tier
Non-Interest-Bearing Deposit Share ?	1.50% -12.2% YoY -63.3% QoQ	-19.79%	21.29% -2.5% YoY	24.55% -1.4% YoY	22.01% -1.2% YoY	Bottom 1.7% in tier
Nonperforming Asset Ratio ?	0.35% -84.8% YoY -88.5% QoQ	-0.32%	0.67% +15.6% YoY	1.07% +4.2% YoY	0.67% +19.3% YoY	58%
Tier 1 Capital Ratio ?	36.55% +188.1% YoY +135.9% QoQ	+21.39%	15.16% +2.0% YoY	16.56% +0.4% YoY	17.06% +0.8% YoY	Top 1.5% in tier
Non-Interest Income / Assets ?	-2.11%	-2.37%	0.26% +1.6% YoY	0.11% -17.3% YoY	0.32% +4.1% YoY	Bottom 0.1% 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 (1)

Profitability Leader

growth

#3 of 221 • Top 0.9% in tier

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

Why this signature

Return on Assets: 19.63%

(Tier: 1.37%, National: 1.23%)

better than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ

Concerns (1)

Deposit Outflow

decline

#11 of 130 • Bottom 7.7% in tier

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

130 of 130 Mid-Market banks match · 656 nationally

→ Stable -8 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 884 peers in $1B-$10B

Top Strengths (5 metrics)

Efficiency Ratio

profitability

Value: 0.00%

Peer Median: 61.06%

#1 of 884 Top 0.1% in $1B-$10B

Return on Assets

profitability

Value: 19.63%

Peer Median: 1.37%

#3 of 884 Top 0.2% in $1B-$10B

Tier 1 Capital Ratio

capital

Value: 36.55%

Peer Median: 15.16%

#14 of 884 Top 1.5% in $1B-$10B

Net Interest Margin

profitability

Value: 7.00%

Peer Median: 3.82%

#15 of 884 Top 1.6% in $1B-$10B

Loan-to-Deposit Ratio

liquidity

Value: 39.01%

Peer Median: 84.20%

#24 of 884 Top 2.6% in $1B-$10B

Top Weaknesses (6 metrics)

884

Non-Interest Income / Assets

revenue_mix

Value: -2.11%

Peer Median: 0.26%

#884 of 884 Bottom 0.1% in $1B-$10B

880

Total Assets

size

Value: $1.01B

Peer Median: $2.82B

#880 of 884 Bottom 0.6% in $1B-$10B

870

Non-Interest-Bearing Deposit Share

funding

Value: 1.50%

Peer Median: 21.29%

#870 of 884 Bottom 1.7% in $1B-$10B

870

Total Loans

size

Value: $324.94M

Peer Median: $1.96B

#870 of 884 Bottom 1.7% in $1B-$10B

856

Total Deposits

size

Value: $832.93M

Peer Median: $2.34B

#856 of 884 Bottom 3.3% in $1B-$10B

669

Delinquency Rate

credit_quality

Value: 1.09%

Peer Median: 0.89%

#669 of 880 Bottom 24.1% in $1B-$10B