BlastPoint's Banking Scorecard

Bank of Brookhaven

$100M-$1B Specialty: Commercial MS FDIC cert 35439

Designations: ✓ CDFI-certified

Brookhaven, MS

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 39 in MS.
Deposits +5.9% year over year ($229.5M on the books).
Delinquency rate 0.02%.
Return on assets 1.28%.
Efficiency ratio 61.47% vs a 64.48% peer average.
Loan-to-deposit ratio 63.91% 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 39 in MS

View $100M-$1B leaderboard (MS) →

Bank of Brookhaven has 2 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

+ Credit Quality Leader: Top 12.4% in tier
+ Efficiency Ratio 3.01% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 4.0% in tier
- Credit Risk Growth: Bottom 37.8% in tier
- Margin Compression: Bottom 60.3% in tier
- Net Interest Margin 0.18% below tier average

Get updates when Bank of Brookhaven releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Total Assets ?	$262.2M +6.1% YoY -1.6% QoQ	-$124.4M	$386.6M +1.2% YoY	$2.3B +4.7% YoY	$6.3B +7.7% YoY	39%
Total Loans ?	$146.7M +9.8% YoY +1.1% QoQ	-$111.7M	$258.3M +1.7% YoY	$1.6B +6.5% YoY	$3.2B +9.4% YoY	34%
Total Deposits ?	$229.5M +5.9% YoY -2.4% QoQ	-$97.2M	$326.7M +0.7% YoY	$1.9B +4.9% YoY	$4.9B +7.3% YoY	41%
Return on Assets ?	1.28% -7.3% YoY -3.2% QoQ	-0.04%	1.32% +10.8% YoY	1.27% +12.8% YoY	1.30% +12.1% YoY	52%
Net Interest Margin ?	3.81% +2.9% YoY +0.1% QoQ	-0.18%	3.99% +5.0% YoY	4.02% +5.6% YoY	3.95% +4.9% YoY	42%
Efficiency Ratio ?	61.47% +2.1% YoY +1.8% QoQ	-3.01%	64.48% -3.2% YoY	65.83% -2.8% YoY	70.05% +2.5% YoY	53%
Delinquency Rate ?	0.02% +401.1% YoY +12.6% QoQ	-0.90%	0.92% +15.7% YoY	1.03% +6.0% YoY	0.98% +16.3% YoY	84%
Loan-to-Deposit Ratio ?	63.91% +3.6% YoY +3.5% QoQ	-14.05%	77.95% +1.0% YoY	72.48% +3.6% YoY	79.03% +2.3% YoY	78%
Non-Interest-Bearing Deposit Share ?	26.64% +2.3% YoY +4.0% QoQ	+4.61%	22.03% -0.6% YoY	22.74% -2.6% YoY	21.98% -0.6% YoY	72%
Nonperforming Asset Ratio ?	0.01% +418.1% YoY +15.6% QoQ	-0.66%	0.67% +16.4% YoY	0.80% +11.3% YoY	0.69% +15.8% YoY	Top 14.3% in tier
Tier 1 Capital Ratio ?	18.04% -1.3% YoY +5.6% QoQ	+2.13%	15.91% +1.4% YoY	13.77% -2.2% YoY	17.09% +0.8% YoY	81%
Non-Interest Income / Assets ?	0.28% +5.4% YoY +103.3% QoQ	-0.29%	0.57% +7.6% YoY	0.38% +2.4% YoY	0.66% +5.2% YoY	69%

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 (MS)	National Avg	Tier Percentile
Noninterest-Bearing	26.6% +0.6pp YoY +1.0pp QoQ	+4.5pp	22.1%	23.1%	22.2%	72%
Brokered Deposits	0.0% 0.0pp YoY 0.0pp QoQ	-7.9pp	7.9%	3.8%	8.5%	4%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
C&I	11.2% +0.5pp YoY -0.2pp QoQ	-0.3pp	11.6%	12.4%	12.5%	60%
CRE	47.2% -2.5pp YoY +0.7pp QoQ	+7.7pp	39.5%	42.3%	41.4%	66%
1-4 Family	24.3% +0.5pp YoY +0.4pp QoQ	-8.3pp	32.6%	33.1%	31.3%	40%
Consumer	3.2% -0.7pp YoY 0.0pp QoQ	-0.9pp	4.1%	5.6%	5.0%	62%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
CET1 Ratio	18.0% -0.2pp YoY +1.0pp QoQ	-0.8pp	18.8%	16.5%	19.7%	69%
Leverage Ratio	11.6% 0.0pp YoY 0.0pp QoQ	-0.5pp	12.2%	11.9%	12.6%	60%
Total Capital Ratio	18.8% -0.2pp YoY +1.0pp QoQ	-1.1pp	19.9%	17.7%	20.8%	67%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Full-Time Employees	30 0 YoY 0 QoQ	-29	58	297	482	26%
Assets per Employee ($)	$8.7M +6.1% YoY -1.6% QoQ	+$1.2M	$7.5M	$6.2M	$8.8M	77%
Branch Count	1 0 YoY 0 QoQ	-4	4	22	18	0%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY	-0.3pp	0.3%	0.3%	0.4%	9%
Nonaccrual	0.0% 0.0pp QoQ	-0.9pp	0.9%	0.9%	1.0%	5%
Allowance Coverage	39.73x -79.5% YoY -12.2% QoQ	+15.57x	24.15x	4.87x	20.23x	93%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	34%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
ROE	11.8% -1.7pp YoY -0.4pp QoQ	-0.4pp	12.2%	11.7%	11.6%	49%
Cost of Funds (YTD)	1.8% 0.0pp YoY 0.0pp QoQ	+0.1pp	1.7%	1.8%	1.7%	58%
Net Income ($, YTD)	$1.6M -3.2% YoY — QoQ	-$912K	$2.6M	$13.8M	$40.4M	45%

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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)

Credit Quality Leader

growth

#83 of 659 • Top 12.4% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.02%

(Tier: 0.92%, National: 0.98%)

better than tier avg

659 of 659 Community banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank improving

Concerns (3)

Credit Quality Pressure

risk

#51 of 1256 • Bottom 4.0% in tier

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

Why this signature

Delinquency Rate: 0.02%

(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

Credit Risk Growth

risk

#355 of 936 • Bottom 37.8% 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

Margin Compression

decline

#186 of 307 • Bottom 60.3% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.28%

(Tier: 1.32%, National: 1.30%)

worse than tier avg

307 of 307 Community banks match · 413 nationally

→ Stable +8 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).

Compare against:

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

Top Strengths (4 metrics)

380

Nonperforming Asset Ratio

credit_quality

Value: 0.01%

Peer Median: 0.67%

#380 of 2643 Top 14.3% in $100M-$1B

434

Delinquency Rate

credit_quality

Value: 0.02%

Peer Median: 0.92%

#434 of 2633 Top 16.4% in $100M-$1B

500

Tier 1 Capital Ratio

capital

Value: 18.04%

Peer Median: 15.91%

#500 of 2643 Top 18.9% in $100M-$1B

588

Loan-to-Deposit Ratio

liquidity

Value: 63.91%

Peer Median: 77.95%

#588 of 2643 Top 22.2% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available