BlastPoint's Banking Scorecard

Community First Bank

$100M-$1B Specialty: Commercial LA FDIC cert 35020

New Iberia, LA

9 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 +8.5% year over year ($706.8M on the books).
Delinquency rate 0.54%.
Return on assets 1.85%.
Efficiency ratio 58.30% vs a 64.48% peer average.
Loan-to-deposit ratio 75.20% 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) →

Community First Bank has 4 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

+ ROA 0.53% above tier average
+ Net Interest Margin 0.50% above tier average
+ Efficiency Ratio 6.18% below tier average
+ Delinquency Rate 0.38% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 19.5% in tier
- Credit Quality Pressure: Bottom 45.0% in tier

Get updates when Community First 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 ?	$781.6M +8.8% YoY -1.1% QoQ	+$395.0M	$386.6M +1.2% YoY	$799.3M +7.8% YoY	$6.3B +7.7% YoY	Top 8.9% in tier
Total Loans ?	$531.5M +2.8% YoY +1.0% QoQ	+$273.2M	$258.3M +1.7% YoY	$538.5M +5.3% YoY	$3.2B +9.4% YoY	Top 9.0% in tier
Total Deposits ?	$706.8M +8.5% YoY -1.6% QoQ	+$380.1M	$326.7M +0.7% YoY	$677.9M +7.3% YoY	$4.9B +7.3% YoY	Top 6.3% in tier
Return on Assets ?	1.85% +1.0% YoY -0.5% QoQ	+0.53%	1.32% +10.8% YoY	1.37% +23.6% YoY	1.30% +12.1% YoY	82%
Net Interest Margin ?	4.49% +2.2% YoY +1.6% QoQ	+0.50%	3.99% +5.0% YoY	4.15% +0.0% YoY	3.95% +4.9% YoY	79%
Efficiency Ratio ?	58.30% -2.2% YoY +0.9% QoQ	-6.18%	64.48% -3.2% YoY	69.40% -0.9% YoY	70.05% +2.5% YoY	62%
Delinquency Rate ?	0.54% +123.7% YoY +57.7% QoQ	-0.38%	0.92% +15.7% YoY	1.53% +7.9% YoY	0.98% +16.3% YoY	44%
Loan-to-Deposit Ratio ?	75.20% -5.3% YoY +2.7% QoQ	-2.75%	77.95% +1.0% YoY	77.15% -1.0% YoY	79.03% +2.3% YoY	60%
Non-Interest-Bearing Deposit Share ?	24.05% -3.3% YoY +1.0% QoQ	+2.02%	22.03% -0.6% YoY	24.65% +0.5% YoY	21.98% -0.6% YoY	63%
Nonperforming Asset Ratio ?	0.37% +72.8% YoY +59.8% QoQ	-0.29%	0.67% +16.4% YoY	1.11% +4.1% YoY	0.69% +15.8% YoY	46%
Tier 1 Capital Ratio ?	14.18% +2.7% YoY -0.1% QoQ	-1.73%	15.91% +1.4% YoY	17.35% +5.4% YoY	17.09% +0.8% YoY	59%
Non-Interest Income / Assets ?	0.20% -10.1% YoY +104.2% QoQ	-0.37%	0.57% +7.6% YoY	0.33% +19.6% YoY	0.66% +5.2% YoY	48%

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	24.1% -0.8pp YoY +0.2pp QoQ	+1.9pp	22.1%	24.6%	22.2%	62%
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	14.1% -0.7pp YoY +0.2pp QoQ	+2.6pp	11.6%	12.6%	12.5%	73%
CRE	52.2% +3.4pp YoY +0.9pp QoQ	+12.6pp	39.5%	44.9%	41.4%	74%
1-4 Family	31.2% -2.6pp YoY -1.2pp QoQ	-1.4pp	32.6%	34.2%	31.3%	54%
Consumer	3.5% -0.4pp YoY -0.1pp QoQ	-0.6pp	4.1%	4.2%	5.0%	66%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
CET1 Ratio	14.2% +0.4pp YoY 0.0pp QoQ	-4.6pp	18.8%	22.5%	19.7%	41%
Leverage Ratio	9.7% 0.0pp YoY +0.1pp QoQ	-2.4pp	12.2%	13.4%	12.6%	26%
Total Capital Ratio	15.4% +0.4pp YoY 0.0pp QoQ	-4.5pp	19.9%	23.6%	20.8%	42%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Full-Time Employees	122 +4 (+3.4%) YoY +3 (+2.5%) QoQ	+63	58	114	482	93%
Assets per Employee ($)	$6.4M +5.3% YoY -3.5% QoQ	-$1.1M	$7.5M	$6.8M	$8.8M	41%
Branch Count	9 0 YoY 0 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	0.0% -0.1pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.4%	0.4%	23%
Nonaccrual	0.5% +0.4pp YoY +0.2pp QoQ	-0.4pp	0.9%	1.4%	1.0%	54%
Allowance Coverage	2.64x -58.0% YoY -40.7% QoQ	-21.51x	24.15x	27.36x	20.23x	55%
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	20.5% -0.7pp YoY -0.2pp QoQ	+8.3pp	12.2%	12.5%	11.6%	89%
Cost of Funds (YTD)	1.4% -0.1pp YoY 0.0pp QoQ	-0.4pp	1.7%	1.7%	1.7%	28%
Net Income ($, YTD)	$7.1M +11.2% YoY — QoQ	+$4.6M	$2.6M	$5.1M	$40.4M	96%

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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 (2)

Credit Risk Growth

risk

#184 of 936 • Bottom 19.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank declining

Credit Quality Pressure

risk

#566 of 1256 • Bottom 45.0% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.54%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank declining

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)

167

Total Deposits

size

Value: $706.83M

Peer Median: $326.73M

#167 of 2643 Top 6.3% in $100M-$1B

236

Total Assets

size

Value: $781.60M

Peer Median: $386.57M

#236 of 2643 Top 8.9% in $100M-$1B

238

Total Loans

size

Value: $531.55M

Peer Median: $258.35M

#238 of 2643 Top 9.0% in $100M-$1B

466

Return on Assets

profitability

Value: 1.85%

Peer Median: 1.32%

#466 of 2643 Top 17.6% in $100M-$1B

551

Net Interest Margin

profitability

Value: 4.49%

Peer Median: 3.99%

#551 of 2643 Top 20.8% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available