BlastPoint's Banking Scorecard

The First National Bank of Jeanerette

$100M-$1B Specialty: Commercial LA FDIC cert 4290

Designations: ✓ CDFI-certified

Jeanerette, LA

10 branches across LA

2664 banks in the $100M-$1B peer group nationally 74 in LA

The First National Bank of Jeanerette has 4 strengths but faces 1 concern

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

+ Return on Assets 0.93% above tier average
+ Net Interest Margin 0.91% above tier average
+ Efficiency Ratio 12.69% below tier average
+ Delinquency Rate 0.71% below tier average

Key Concerns

Areas that may need attention

- Non-Interest Income / Assets 0.26% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Total Assets ?	$638.1M +17.2% YoY +1.1% QoQ	+$252.0M	$386.1M +0.5% YoY	$784.8M +7.0% YoY	$6.2B +9.1% YoY	83%
Total Loans ?	$526.5M +18.3% YoY +6.8% QoQ	+$270.8M	$255.7M +1.1% YoY	$523.7M +4.0% YoY	$3.2B +10.8% YoY	Top 9.2% in tier
Total Deposits ?	$575.7M +17.3% YoY +1.1% QoQ	+$247.7M	$328.0M +0.1% YoY	$671.5M +6.9% YoY	$4.8B +8.2% YoY	Top 14.3% in tier
Return on Assets ?	2.20% +0.7% YoY -10.1% QoQ	+0.93%	1.27% +12.9% YoY	1.24% +12.4% YoY	1.23% +13.4% YoY	Top 8.6% in tier
Net Interest Margin ?	4.84% -4.4% YoY -4.7% QoQ	+0.91%	3.93% +6.0% YoY	4.12% +1.2% YoY	3.89% +5.7% YoY	Top 10.1% in tier
Efficiency Ratio ?	52.59% +1.3% YoY +7.7% QoQ	-12.69%	65.29% -4.5% YoY	70.37% -1.0% YoY	66.95% -4.1% YoY	79%
Delinquency Rate ?	0.18% -8.0% YoY +28.8% QoQ	-0.71%	0.89% +18.8% YoY	1.51% +4.5% YoY	0.95% +18.8% YoY	66%
Loan-to-Deposit Ratio ?	91.46% +0.8% YoY +5.7% QoQ	+14.82%	76.64% +0.8% YoY	75.16% -1.5% YoY	76.70% +0.9% YoY	22%
Non-Interest-Bearing Deposit Share ?	22.56% -11.2% YoY -14.0% QoQ	+0.54%	22.02% -1.0% YoY	24.55% -1.4% YoY	22.01% -1.2% YoY	57%
Nonperforming Asset Ratio ?	0.45% -12.2% YoY -12.0% QoQ	-0.18%	0.64% +19.7% YoY	1.07% +4.2% YoY	0.67% +19.3% YoY	40%
Tier 1 Capital Ratio ?	11.74% -0.9% YoY -3.3% QoQ	-4.09%	15.83% +1.5% YoY	16.56% +0.4% YoY	17.06% +0.8% YoY	32%
Non-Interest Income / Assets ?	0.02% -74.2% YoY -95.5% QoQ	-0.26%	0.28% +9.3% YoY	0.11% -17.3% YoY	0.32% +4.1% YoY	Bottom 5.1% in tier

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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 2664 peers in $100M-$1B

Top Strengths (6 metrics)

229

Return on Assets

profitability

Value: 2.20%

Peer Median: 1.27%

#229 of 2664 Top 8.6% in $100M-$1B

245

Total Loans

size

Value: $526.54M

Peer Median: $255.72M

#245 of 2664 Top 9.2% in $100M-$1B

270

Net Interest Margin

profitability

Value: 4.84%

Peer Median: 3.93%

#270 of 2664 Top 10.1% in $100M-$1B

381

Total Deposits

size

Value: $575.69M

Peer Median: $327.97M

#381 of 2664 Top 14.3% in $100M-$1B

445

Total Assets

size

Value: $638.07M

Peer Median: $386.08M

#445 of 2664 Top 16.7% in $100M-$1B

557

Efficiency Ratio

profitability

Value: 52.59%

Peer Median: 65.29%

#557 of 2664 Top 20.9% in $100M-$1B

Top Weaknesses (2 metrics)

2529

Non-Interest Income / Assets

revenue_mix

Value: 0.02%

Peer Median: 0.28%

#2529 of 2664 Bottom 5.1% in $100M-$1B

2086

Loan-to-Deposit Ratio

liquidity

Value: 91.46%

Peer Median: 76.64%

#2086 of 2664 Bottom 21.7% in $100M-$1B