BlastPoint's Banking Scorecard
The Bank
Jennings, LA
8 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 +7.2% year over year ($396.3M on the books).
- Delinquency rate 0.49%.
- Return on assets 1.75%.
- Efficiency ratio 53.62% vs a 64.48% peer average.
- Loan-to-deposit ratio 82.84% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Bank shows strong momentum with 4 strengths and 5.6% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.44% above tier average
- + ROA 0.43% above tier average
- + Efficiency Ratio 10.86% below tier average
- + Delinquency Rate 0.43% 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 ? |
$462.0M
+5.6% YoY
+2.3% QoQ
|
+$75.4M |
$386.6M
+1.2% YoY
|
$799.3M
+7.8% YoY
|
$6.3B
+7.7% YoY
|
68% |
| Total Loans ? |
$328.3M
+2.6% YoY
+1.4% QoQ
|
+$70.0M |
$258.3M
+1.7% YoY
|
$538.5M
+5.3% YoY
|
$3.2B
+9.4% YoY
|
71% |
| Total Deposits ? |
$396.3M
+7.2% YoY
+2.6% QoQ
|
+$69.6M |
$326.7M
+0.7% YoY
|
$677.9M
+7.3% YoY
|
$4.9B
+7.3% YoY
|
69% |
| Return on Assets ? |
1.75%
+10.2% YoY
-4.1% QoQ
|
+0.43% |
1.32%
+10.8% YoY
|
1.37%
+23.6% YoY
|
1.30%
+12.1% YoY
|
78% |
| Net Interest Margin ? |
5.43%
+7.3% YoY
+0.7% QoQ
|
+1.44% |
3.99%
+5.0% YoY
|
4.15%
+0.0% YoY
|
3.95%
+4.9% YoY
|
Top 3.4% in tier |
| Efficiency Ratio ? |
53.62%
-5.1% YoY
-3.9% QoQ
|
-10.86% |
64.48%
-3.2% YoY
|
69.40%
-0.9% YoY
|
70.05%
+2.5% YoY
|
75% |
| Delinquency Rate ? |
0.49%
-38.2% YoY
-21.7% QoQ
|
-0.43% |
0.92%
+15.7% YoY
|
1.53%
+7.9% YoY
|
0.98%
+16.3% YoY
|
46% |
| Loan-to-Deposit Ratio ? |
82.84%
-4.3% YoY
-1.2% QoQ
|
+4.89% |
77.95%
+1.0% YoY
|
77.15%
-1.0% YoY
|
79.03%
+2.3% YoY
|
43% |
| Non-Interest-Bearing Deposit Share ? |
25.62%
-4.3% YoY
-3.8% QoQ
|
+3.59% |
22.03%
-0.6% YoY
|
24.65%
+0.5% YoY
|
21.98%
-0.6% YoY
|
68% |
| Nonperforming Asset Ratio ? |
0.48%
-24.2% YoY
-23.9% QoQ
|
-0.19% |
0.67%
+16.4% YoY
|
1.11%
+4.1% YoY
|
0.69%
+15.8% YoY
|
40% |
| Tier 1 Capital Ratio ? |
12.76%
+4.3% YoY
-2.4% QoQ
|
-3.14% |
15.91%
+1.4% YoY
|
17.35%
+5.4% YoY
|
17.09%
+0.8% YoY
|
45% |
| Non-Interest Income / Assets ? |
0.29%
-6.8% YoY
+116.6% QoQ
|
-0.28% |
0.57%
+7.6% YoY
|
0.33%
+19.6% YoY
|
0.66%
+5.2% YoY
|
71% |
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 |
25.6%
-1.2pp YoY -1.0pp QoQ |
+3.5pp | 22.1% | 24.6% | 22.2% | 68% |
| 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 |
14.6%
-0.2pp YoY 0.0pp QoQ |
+3.0pp | 11.6% | 12.6% | 12.5% | 74% |
| CRE |
27.6%
+1.8pp YoY -0.9pp QoQ |
-12.0pp | 39.5% | 44.9% | 41.4% | 30% |
| 1-4 Family |
36.1%
-0.9pp YoY -0.2pp QoQ |
+3.5pp | 32.6% | 34.2% | 31.3% | 64% |
| Consumer |
11.3%
-0.8pp YoY 0.0pp QoQ |
+7.2pp | 4.1% | 4.2% | 5.0% | 94% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 22.5% | 19.7% | n/a |
| Leverage Ratio |
12.8%
+0.5pp YoY -0.3pp QoQ |
+0.6pp | 12.2% | 13.4% | 12.6% | 73% |
| Total Capital Ratio | n/a | n/a | 19.9% | 23.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
81
-2 (-2.4%) YoY -2 (-2.4%) QoQ |
+22 | 58 | 114 | 482 | 77% |
| Assets per Employee ($) |
$5.7M
+8.2% YoY +4.9% QoQ |
-$1.8M | $7.5M | $6.8M | $8.8M | 27% |
| Branch Count |
8
0 YoY 0 QoQ |
+3 | 4 | 9 | 18 | 82% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.2%
-0.3pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.4% | 0.4% | 59% |
| Nonaccrual |
0.3%
0.0pp YoY -0.1pp QoQ |
-0.6pp | 0.9% | 1.4% | 1.0% | 42% |
| Allowance Coverage |
3.68x
+77.7% YoY +43.1% QoQ |
-20.47x | 24.15x | 27.36x | 20.23x | 63% |
| Net Charge-off Rate (YTD) |
0.2%
-0.2pp YoY +0.1pp QoQ |
0.0pp | 0.1% | 0.1% | 0.2% | 82% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.7%
+0.6pp YoY -0.5pp QoQ |
+1.5pp | 12.2% | 12.5% | 11.6% | 60% |
| Cost of Funds (YTD) |
1.9%
-0.2pp YoY 0.0pp QoQ |
+0.2pp | 1.7% | 1.7% | 1.7% | 64% |
| Net Income ($, YTD) |
$3.9M
+14.1% YoY — QoQ |
+$1.4M | $2.6M | $5.1M | $40.4M | 80% |
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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.