BlastPoint

BlastPoint's Banking Scorecard

Currency Bank

$100M-$1B Specialty: Commercial LA FDIC cert 35019

Baton Rouge, LA

4 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 -9.4% year over year ($203.2M on the books).
  • Delinquency rate 0.14%.
  • Return on assets 1.95%.
  • Efficiency ratio 49.59% vs a 64.48% peer average.
  • Loan-to-deposit ratio 93.00% 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) →

Currency Bank has 5 strengths but faces 2 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 11.3% in tier
  • + Revenue Diversifier: Top 23.0% in tier
  • + Net Interest Margin 0.72% above tier average
  • + Efficiency Ratio 14.89% below tier average
  • + Delinquency Rate 0.77% below tier average

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 23.9% in tier
  • - Capital Constraint: Bottom 28.0% in tier
Get updates when Currency 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 ? $248.5M
-4.8% YoY +0.2% QoQ
-$138.0M $386.6M
+1.2% YoY
$799.3M
+7.8% YoY
$6.3B
+7.7% YoY
36%
Total Loans ? $189.0M
+17.6% YoY +6.9% QoQ
-$69.4M $258.3M
+1.7% YoY
$538.5M
+5.3% YoY
$3.2B
+9.4% YoY
45%
Total Deposits ? $203.2M
-9.4% YoY -2.9% QoQ
-$123.5M $326.7M
+0.7% YoY
$677.9M
+7.3% YoY
$4.9B
+7.3% YoY
35%
Return on Assets ? 1.95%
+123.0% YoY +55.6% QoQ
+0.63% 1.32%
+10.8% YoY
1.37%
+23.6% YoY
1.30%
+12.1% YoY
Top 14.1% in tier
Net Interest Margin ? 4.70%
+11.5% YoY +4.4% QoQ
+0.72% 3.99%
+5.0% YoY
4.15%
+0.0% YoY
3.95%
+4.9% YoY
Top 14.2% in tier
Efficiency Ratio ? 49.59%
-22.1% YoY -14.4% QoQ
-14.89% 64.48%
-3.2% YoY
69.40%
-0.9% YoY
70.05%
+2.5% YoY
84%
Delinquency Rate ? 0.14%
-55.0% YoY -24.9% QoQ
-0.77% 0.92%
+15.7% YoY
1.53%
+7.9% YoY
0.98%
+16.3% YoY
70%
Loan-to-Deposit Ratio ? 93.00%
+29.9% YoY +10.1% QoQ
+15.05% 77.95%
+1.0% YoY
77.15%
-1.0% YoY
79.03%
+2.3% YoY
20%
Non-Interest-Bearing Deposit Share ? 19.74%
+2.5% YoY +1.7% QoQ
-2.29% 22.03%
-0.6% YoY
24.65%
+0.5% YoY
21.98%
-0.6% YoY
45%
Nonperforming Asset Ratio ? 0.11%
-44.4% YoY -20.0% QoQ
-0.56% 0.67%
+16.4% YoY
1.11%
+4.1% YoY
0.69%
+15.8% YoY
70%
Tier 1 Capital Ratio ? 13.38%
+15.4% YoY +4.7% QoQ
-2.52% 15.91%
+1.4% YoY
17.35%
+5.4% YoY
17.09%
+0.8% YoY
52%
Non-Interest Income / Assets ? 0.55%
+495.2% YoY +570.8% QoQ
-0.02% 0.57%
+7.6% YoY
0.33%
+19.6% YoY
0.66%
+5.2% YoY
Top 8.1% 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 19.7%
+0.5pp YoY
+0.3pp QoQ
 -2.4pp 22.1% 24.6% 22.2% 44%
Brokered Deposits 0.0% -7.9pp 7.9% 6.7% 8.5% 2%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
C&I 36.2%
+0.6pp YoY
+2.3pp QoQ
 +24.6pp 11.6% 12.6% 12.5% 98%
CRE 44.4%
-2.3pp YoY
-2.4pp QoQ
 +4.9pp 39.5% 44.9% 41.4% 61%
1-4 Family 9.1%
-0.8pp YoY
-0.4pp QoQ
 -23.5pp 32.6% 34.2% 31.3% 10%
Consumer 0.7%
0.0pp YoY
-0.1pp QoQ
 -3.4pp 4.1% 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 18.8% 22.5% 19.7% n/a
Leverage Ratio 13.4%
+1.8pp YoY
+0.6pp QoQ
 +1.2pp 12.2% 13.4% 12.6% 78%
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 37
+2 (+5.7%) YoY
0 QoQ
 -22 58 114 482 37%
Assets per Employee ($) $6.7M
-10.0% YoY
+0.2% QoQ
 -$801K $7.5M $6.8M $8.8M 47%
Branch Count 4
-1 (-20.0%) YoY
-1 (-20.0%) QoQ
 -1 4 9 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 0.1%
-0.2pp YoY
0.0pp QoQ
 -0.8pp 0.9% 1.4% 1.0% 24%
Allowance Coverage 10.50x
+98.9% YoY
+27.5% QoQ
 -13.65x 24.15x 27.36x 20.23x 82%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
-0.1pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 5%

Profitability

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
ROE 12.6%
+7.1pp YoY
+4.4pp QoQ
 +0.4pp 12.2% 12.5% 11.6% 53%
Cost of Funds (YTD) 1.9%
-0.3pp YoY
0.0pp QoQ
 +0.2pp 1.7% 1.7% 1.7% 66%
Net Income ($, YTD) $2.4M
+150.1% YoY
— QoQ
 -$152K $2.6M $5.1M $40.4M 60%

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 (2)

Profitability Leader

growth
#76 of 661 • Top 11.3% in tier

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

Why this signature
Return on Assets: 1.95%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable

Revenue Diversifier

growth
#153 of 661 • Top 23.0% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.55%
(Tier: 0.57%, National: 0.66%)
but worse than tier avg
Return on Assets: 1.95%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable

Concerns (2)

Deposit Outflow

decline
#129 of 535 • Bottom 23.9% in tier

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

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ

Capital Constraint

risk
#31 of 107 • Bottom 28.0% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature
Loan-to-Deposit Ratio: 93.00%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
Tier 1 Capital Ratio: 13.38%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
107 of 107 Community banks match · 143 nationally
→ Stable -5 banks QoQ

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

216
Non-Interest Income / Assets
revenue_mix
Value: 0.55%
Peer Median: 0.57%
#216 of 2643 Top 8.1% in $100M-$1B
374
Return on Assets
profitability
Value: 1.95%
Peer Median: 1.32%
#374 of 2643 Top 14.1% in $100M-$1B
377
Net Interest Margin
profitability
Value: 4.70%
Peer Median: 3.99%
#377 of 2643 Top 14.2% in $100M-$1B
428
Efficiency Ratio
profitability
Value: 49.59%
Peer Median: 64.48%
#428 of 2643 Top 16.2% in $100M-$1B

Top Weaknesses (1 metrics)

2108
Loan-to-Deposit Ratio
liquidity
Value: 93.00%
Peer Median: 77.95%
#2108 of 2643 Bottom 20.3% in $100M-$1B
Powered by BlastPoint © 2026