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

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 +13.7% year over year ($577.8M on the books).
Delinquency rate 0.23%.
Return on assets 2.14%.
Efficiency ratio 53.05% vs a 64.48% peer average.
Loan-to-deposit ratio 93.62% 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) →

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

+ ROA 0.82% above tier average
+ Net Interest Margin 0.86% above tier average
+ Efficiency Ratio 11.43% below tier average
+ Delinquency Rate 0.69% below tier average

Key Concerns

Areas that may need attention

- Cost Spiral: Bottom 9.4% in tier

Get updates when The First National Bank of Jeanerette releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Total Assets ?	$646.5M +10.6% YoY +1.3% QoQ	+$259.9M	$386.6M +1.2% YoY	$799.3M +7.8% YoY	$6.3B +7.7% YoY	84%
Total Loans ?	$540.9M +12.9% YoY +2.7% QoQ	+$282.6M	$258.3M +1.7% YoY	$538.5M +5.3% YoY	$3.2B +9.4% YoY	Top 8.5% in tier
Total Deposits ?	$577.8M +13.7% YoY +0.4% QoQ	+$251.0M	$326.7M +0.7% YoY	$677.9M +7.3% YoY	$4.9B +7.3% YoY	Top 13.8% in tier
Return on Assets ?	2.14% -12.8% YoY -2.5% QoQ	+0.82%	1.32% +10.8% YoY	1.37% +23.6% YoY	1.30% +12.1% YoY	Top 10.1% in tier
Net Interest Margin ?	4.85% -3.3% YoY +0.2% QoQ	+0.86%	3.99% +5.0% YoY	4.15% +0.0% YoY	3.95% +4.9% YoY	Top 10.9% in tier
Efficiency Ratio ?	53.05% +10.7% YoY +0.9% QoQ	-11.43%	64.48% -3.2% YoY	69.40% -0.9% YoY	70.05% +2.5% YoY	77%
Delinquency Rate ?	0.23% -62.3% YoY +28.4% QoQ	-0.69%	0.92% +15.7% YoY	1.53% +7.9% YoY	0.98% +16.3% YoY	63%
Loan-to-Deposit Ratio ?	93.62% -0.7% YoY +2.4% QoQ	+15.66%	77.95% +1.0% YoY	77.15% -1.0% YoY	79.03% +2.3% YoY	19%
Non-Interest-Bearing Deposit Share ?	22.78% -1.6% YoY +1.0% QoQ	+0.75%	22.03% -0.6% YoY	24.65% +0.5% YoY	21.98% -0.6% YoY	58%
Nonperforming Asset Ratio ?	0.50% -17.0% YoY +11.0% QoQ	-0.17%	0.67% +16.4% YoY	1.11% +4.1% YoY	0.69% +15.8% YoY	39%
Tier 1 Capital Ratio ?	12.05% +4.0% YoY +2.6% QoQ	-3.86%	15.91% +1.4% YoY	17.35% +5.4% YoY	17.09% +0.8% YoY	37%
Non-Interest Income / Assets ?	0.10% -57.3% YoY +367.6% QoQ	-0.46%	0.57% +7.6% YoY	0.33% +19.6% YoY	0.66% +5.2% YoY	19%

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	22.8% -0.4pp YoY +0.2pp QoQ	+0.6pp	22.1%	24.6%	22.2%	58%
Brokered Deposits	0.5% -3.4pp YoY -0.5pp QoQ	-7.3pp	7.9%	6.7%	8.5%	12%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
C&I	13.4% -0.1pp YoY -0.8pp QoQ	+1.9pp	11.6%	12.6%	12.5%	70%
CRE	50.0% +0.1pp YoY +0.3pp QoQ	+10.4pp	39.5%	44.9%	41.4%	70%
1-4 Family	31.1% -0.3pp YoY -0.3pp QoQ	-1.5pp	32.6%	34.2%	31.3%	54%
Consumer	2.3% 0.0pp YoY 0.0pp QoQ	-1.8pp	4.1%	4.2%	5.0%	52%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
CET1 Ratio	12.1% +0.5pp YoY +0.3pp QoQ	-6.8pp	18.8%	22.5%	19.7%	18%
Leverage Ratio	10.0% 0.0pp YoY +0.4pp QoQ	-2.2pp	12.2%	13.4%	12.6%	30%
Total Capital Ratio	13.3% +0.5pp YoY +0.3pp QoQ	-6.6pp	19.9%	23.6%	20.8%	19%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Full-Time Employees	105 +4 (+4.0%) YoY +7 (+7.1%) QoQ	+46	58	114	482	88%
Assets per Employee ($)	$6.2M +6.4% YoY -5.4% QoQ	-$1.4M	$7.5M	$6.8M	$8.8M	36%
Branch Count	10 +1 (+11.1%) YoY +1 (+11.1%) QoQ	+5	4	9	18	90%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.4%	0.4%	33%
Nonaccrual	0.2% -0.4pp YoY 0.0pp QoQ	-0.7pp	0.9%	1.4%	1.0%	29%
Allowance Coverage	6.64x +172.0% YoY -22.8% QoQ	-17.52x	24.15x	27.36x	20.23x	76%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	64%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
ROE	22.8% -3.7pp YoY -0.9pp QoQ	+10.6pp	12.2%	12.5%	11.6%	93%
Cost of Funds (YTD)	1.8% +0.1pp YoY 0.0pp QoQ	+0.1pp	1.7%	1.7%	1.7%	61%
Net Income ($, YTD)	$6.8M +1.0% YoY — QoQ	+$4.3M	$2.6M	$5.1M	$40.4M	95%

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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 (1)

Cost Spiral

risk

#14 of 138 • Bottom 9.4% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature

Efficiency Ratio: 53.05%

(Tier: 64.48%, National: 70.05%)

better than tier avg

138 of 138 Community banks match · 184 nationally

→ Stable +9 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 (6 metrics)

226

Total Loans

size

Value: $540.90M

Peer Median: $258.35M

#226 of 2643 Top 8.5% in $100M-$1B

269

Return on Assets

profitability

Value: 2.14%

Peer Median: 1.32%

#269 of 2643 Top 10.1% in $100M-$1B

289

Net Interest Margin

profitability

Value: 4.85%

Peer Median: 3.99%

#289 of 2643 Top 10.9% in $100M-$1B

365

Total Deposits

size

Value: $577.78M

Peer Median: $326.73M

#365 of 2643 Top 13.8% in $100M-$1B

427

Total Assets

size

Value: $646.45M

Peer Median: $386.57M

#427 of 2643 Top 16.1% in $100M-$1B

620

Efficiency Ratio

profitability

Value: 53.05%

Peer Median: 64.48%

#620 of 2643 Top 23.4% in $100M-$1B

Top Weaknesses (2 metrics)

2144

Loan-to-Deposit Ratio

liquidity

Value: 93.62%

Peer Median: 77.95%

#2144 of 2643 Bottom 18.9% in $100M-$1B

2131

Non-Interest Income / Assets

revenue_mix

Value: 0.10%

Peer Median: 0.57%

#2131 of 2643 Bottom 19.4% in $100M-$1B