BlastPoint's Banking Scorecard

Commercial Capital Bank

$100M-$1B Specialty: Agricultural LA FDIC cert 34784

Designations: ✓ CDFI-certified

Delhi, LA

9 branches across LA · AR

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 +13.3% year over year ($453.3M on the books).
Delinquency rate 5.72%.
Return on assets 1.91%.
Efficiency ratio 49.16% vs a 64.48% peer average.
Loan-to-deposit ratio 107.14% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 73 in LA

View $100M-$1B leaderboard (LA) →

Commercial Capital Bank has 3 strengths but faces 3 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

+ ROA 0.59% above tier average
+ Net Interest Margin 0.25% above tier average
+ Efficiency Ratio 15.32% below tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 4.80% above tier average
- Loan-to-Deposit Ratio 29.19% above tier average
- Nonperforming Asset Ratio 3.91% above tier average

Get updates when Commercial Capital 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 ?	$611.4M +24.5% YoY +7.3% QoQ	+$224.8M	$386.6M +1.2% YoY	$799.3M +7.8% YoY	$6.3B +7.7% YoY	81%
Total Loans ?	$485.7M +29.6% YoY +10.7% QoQ	+$227.4M	$258.3M +1.7% YoY	$538.5M +5.3% YoY	$3.2B +9.4% YoY	Top 12.8% in tier
Total Deposits ?	$453.3M +13.3% YoY +1.2% QoQ	+$126.6M	$326.7M +0.7% YoY	$677.9M +7.3% YoY	$4.9B +7.3% YoY	75%
Return on Assets ?	1.91% -20.9% YoY -3.8% QoQ	+0.59%	1.32% +10.8% YoY	1.37% +23.6% YoY	1.30% +12.1% YoY	84%
Net Interest Margin ?	4.24% -16.4% YoY -3.2% QoQ	+0.25%	3.99% +5.0% YoY	4.15% +0.0% YoY	3.95% +4.9% YoY	67%
Efficiency Ratio ?	49.16% +4.0% YoY +0.0% QoQ	-15.32%	64.48% -3.2% YoY	69.40% -0.9% YoY	70.05% +2.5% YoY	85%
Delinquency Rate ?	5.72% +106.1% YoY +42.1% QoQ	+4.80%	0.92% +15.7% YoY	1.53% +7.9% YoY	0.98% +16.3% YoY	Bottom 1.9% in tier
Loan-to-Deposit Ratio ?	107.14% +14.4% YoY +9.4% QoQ	+29.19%	77.95% +1.0% YoY	77.15% -1.0% YoY	79.03% +2.3% YoY	Bottom 4.8% in tier
Non-Interest-Bearing Deposit Share ?	11.46% -0.7% YoY -8.5% QoQ	-10.57%	22.03% -0.6% YoY	24.65% +0.5% YoY	21.98% -0.6% YoY	Bottom 13.6% in tier
Nonperforming Asset Ratio ?	4.58% +116.3% YoY +46.3% QoQ	+3.91%	0.67% +16.4% YoY	1.11% +4.1% YoY	0.69% +15.8% YoY	Bottom 1.2% in tier
Tier 1 Capital Ratio ?	11.45% -1.6% YoY -0.9% QoQ	-4.46%	15.91% +1.4% YoY	17.35% +5.4% YoY	17.09% +0.8% YoY	28%
Non-Interest Income / Assets ?	0.18% -15.9% YoY +97.0% QoQ	-0.38%	0.57% +7.6% YoY	0.33% +19.6% YoY	0.66% +5.2% YoY	45%

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	11.5% -0.1pp YoY -1.1pp QoQ	-10.7pp	22.1%	24.6%	22.2%	13%
Brokered Deposits	4.4% +3.2pp YoY -0.3pp QoQ	-3.4pp	7.9%	6.7%	8.5%	48%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
C&I	8.0% -1.5pp YoY -1.2pp QoQ	-3.5pp	11.6%	12.6%	12.5%	40%
CRE	47.0% +4.5pp YoY +1.3pp QoQ	+7.4pp	39.5%	44.9%	41.4%	65%
1-4 Family	15.3% +3.0pp YoY -1.6pp QoQ	-17.3pp	32.6%	34.2%	31.3%	20%
Consumer	3.1% -0.2pp YoY -0.1pp QoQ	-1.0pp	4.1%	4.2%	5.0%	61%

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	11.5% -0.2pp YoY -0.1pp QoQ	-0.7pp	12.2%	13.4%	12.6%	57%
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	62 +1 (+1.6%) YoY +3 (+5.1%) QoQ	+3	58	114	482	65%
Assets per Employee ($)	$9.9M +22.5% YoY +2.1% QoQ	+$2.3M	$7.5M	$6.8M	$8.8M	85%
Branch Count	9 +2 (+28.6%) YoY +1 (+12.5%) QoQ	+4	4	9	18	86%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Past Due 90+ Days	2.1% +1.3pp YoY +1.2pp QoQ	+1.8pp	0.3%	0.4%	0.4%	97%
Nonaccrual	3.6% +1.7pp YoY +0.5pp QoQ	+2.7pp	0.9%	1.4%	1.0%	96%
Allowance Coverage	0.18x -44.1% YoY -31.6% QoQ	-23.97x	24.15x	27.36x	20.23x	1%
Net Charge-off Rate (YTD)	0.3% +0.3pp YoY -0.2pp QoQ	+0.1pp	0.1%	0.1%	0.2%	89%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
ROE	17.5% -5.4pp YoY -0.4pp QoQ	+5.3pp	12.2%	12.5%	11.6%	80%
Cost of Funds (YTD)	2.5% -0.4pp YoY 0.0pp QoQ	+0.8pp	1.7%	1.7%	1.7%	90%
Net Income ($, YTD)	$5.5M +5.1% YoY — QoQ	+$3.0M	$2.6M	$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 (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

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 2643 peers in $100M-$1B

Top Strengths (5 metrics)

340

Total Loans

size

Value: $485.71M

Peer Median: $258.35M

#340 of 2643 Top 12.8% in $100M-$1B

401

Efficiency Ratio

profitability

Value: 49.16%

Peer Median: 64.48%

#401 of 2643 Top 15.1% in $100M-$1B

419

Return on Assets

profitability

Value: 1.91%

Peer Median: 1.32%

#419 of 2643 Top 15.8% in $100M-$1B

498

Total Assets

size

Value: $611.38M

Peer Median: $386.57M

#498 of 2643 Top 18.8% in $100M-$1B

655

Total Deposits

size

Value: $453.34M

Peer Median: $326.73M

#655 of 2643 Top 24.7% in $100M-$1B

Top Weaknesses (4 metrics)

2611

Nonperforming Asset Ratio

credit_quality

Value: 4.58%

Peer Median: 0.67%

#2611 of 2643 Bottom 1.2% in $100M-$1B

2585

Delinquency Rate

credit_quality

Value: 5.72%

Peer Median: 0.92%

#2585 of 2633 Bottom 1.9% in $100M-$1B

2516

Loan-to-Deposit Ratio

liquidity

Value: 107.14%

Peer Median: 77.95%

#2516 of 2643 Bottom 4.8% in $100M-$1B

2285

Non-Interest-Bearing Deposit Share

funding

Value: 11.46%

Peer Median: 22.03%

#2285 of 2643 Bottom 13.6% in $100M-$1B