BlastPoint's Banking Scorecard

b1BANK

$1B-$10B Specialty: Commercial LA FDIC cert 58228

Baton Rouge, LA

63 branches across LA · TX

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 885 banks in the $1B-$10B peer group nationwide — 1 of 18 in LA.
Deposits +13.0% year over year ($7.3B on the books).
Delinquency rate 1.27%.
Return on assets 1.23%.
Efficiency ratio 60.37% vs a 59.73% peer average.
Loan-to-deposit ratio 90.76% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 18 in LA

View $1B-$10B leaderboard (LA) →

b1BANK faces 4 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 40.2% in tier
- ROA 0.16% below tier average
- Efficiency Ratio 0.64% above tier average
- Delinquency Rate 0.41% above tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Total Assets ?	$8.9B +12.0% YoY -0.1% QoQ	+$6.1B	$2.8B -0.6% YoY	$799.3M +7.8% YoY	$6.3B +7.7% YoY	Top 2.4% in tier
Total Loans ?	$6.6B +10.2% YoY -0.3% QoQ	+$4.6B	$2.0B -0.3% YoY	$538.5M +5.3% YoY	$3.2B +9.4% YoY	Top 2.1% in tier
Total Deposits ?	$7.3B +13.0% YoY -2.7% QoQ	+$5.0B	$2.3B -0.5% YoY	$677.9M +7.3% YoY	$4.9B +7.3% YoY	Top 2.5% in tier
Return on Assets ?	1.23% +3.2% YoY -0.4% QoQ	-0.16%	1.39% +17.0% YoY	1.37% +23.6% YoY	1.30% +12.1% YoY	47%
Net Interest Margin ?	3.88% +4.5% YoY +0.9% QoQ	+0.01%	3.87% +6.2% YoY	4.15% +0.0% YoY	3.95% +4.9% YoY	61%
Efficiency Ratio ?	60.37% +0.9% YoY +0.5% QoQ	+0.64%	59.73% -12.6% YoY	69.40% -0.9% YoY	70.05% +2.5% YoY	46%
Delinquency Rate ?	1.27% +29.8% YoY -17.4% QoQ	+0.41%	0.87% +11.7% YoY	1.53% +7.9% YoY	0.98% +16.3% YoY	21%
Loan-to-Deposit Ratio ?	90.76% -2.5% YoY +2.4% QoQ	+5.73%	85.04% -0.1% YoY	77.15% -1.0% YoY	79.03% +2.3% YoY	38%
Non-Interest-Bearing Deposit Share ?	22.27% +0.6% YoY +5.2% QoQ	+1.00%	21.27% -1.5% YoY	24.65% +0.5% YoY	21.98% -0.6% YoY	61%
Nonperforming Asset Ratio ?	1.23% +61.7% YoY -11.2% QoQ	+0.55%	0.67% +11.7% YoY	1.11% +4.1% YoY	0.69% +15.8% YoY	16%
Tier 1 Capital Ratio ?	12.33% +2.5% YoY +3.1% QoQ	-2.51%	14.84% -0.4% YoY	17.35% +5.4% YoY	17.09% +0.8% YoY	38%
Non-Interest Income / Assets ?	0.31% -10.1% YoY +96.9% QoQ	-0.21%	0.53% +2.5% YoY	0.33% +19.6% YoY	0.66% +5.2% YoY	56%

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	22.3% +0.1pp YoY +1.1pp QoQ	+0.9pp	21.4%	24.6%	22.2%	61%
Brokered Deposits	5.6% -3.9pp YoY -0.7pp QoQ	-3.9pp	9.5%	6.7%	8.5%	52%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
C&I	21.6% -6.3pp YoY 0.0pp QoQ	+7.6pp	14.0%	12.6%	12.5%	83%
CRE	54.8% +1.2pp YoY -0.2pp QoQ	+4.7pp	50.0%	44.9%	41.4%	64%
1-4 Family	12.4% +1.1pp YoY -0.9pp QoQ	-14.0pp	26.4%	34.2%	31.3%	23%
Consumer	0.9% -0.3pp YoY 0.0pp QoQ	-3.8pp	4.7%	4.2%	5.0%	42%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
CET1 Ratio	12.3% +0.3pp YoY +0.4pp QoQ	-3.3pp	15.6%	22.5%	19.7%	29%
Leverage Ratio	10.9% +0.1pp YoY +0.3pp QoQ	-0.4pp	11.3%	13.4%	12.6%	58%
Total Capital Ratio	13.2% +0.3pp YoY +0.4pp QoQ	-3.5pp	16.7%	23.6%	20.8%	25%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Full-Time Employees	966 +116 (+13.6%) YoY +11 (+1.2%) QoQ	+652	313	114	482	97%
Assets per Employee ($)	$9.2M -1.5% YoY -1.2% QoQ	-$1.3M	$10.5M	$6.8M	$8.8M	56%
Branch Count	63 +5 (+8.6%) YoY 0 QoQ	+43	20	9	18	96%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.2%	0.4%	0.4%	68%
Nonaccrual	1.2% +0.3pp YoY -0.3pp QoQ	+0.4pp	0.8%	1.4%	1.0%	79%
Allowance Coverage	0.74x -25.3% YoY +19.2% QoQ	-17.97x	18.71x	27.36x	20.23x	13%
Net Charge-off Rate (YTD)	0.1% +0.1pp YoY +0.1pp QoQ	-0.1pp	0.3%	0.1%	0.2%	71%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
ROE	10.3% -0.1pp YoY -0.2pp QoQ	-2.3pp	12.6%	12.5%	11.6%	36%
Cost of Funds (YTD)	2.3% -0.3pp YoY 0.0pp QoQ	+0.4pp	1.9%	1.7%	1.7%	77%
Net Income ($, YTD)	$53.2M +13.8% YoY — QoQ	+$34.0M	$19.2M	$5.1M	$40.4M	94%

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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)

Liquidity Strain

risk

#146 of 361 • Bottom 40.2% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 90.76%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

361 of 361 Mid-Market banks match · 1092 nationally

→ Stable +81 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 885 peers in $1B-$10B

Top Strengths (3 metrics)

Total Loans

size

Value: $6.60B

Peer Median: $1.96B

#20 of 885 Top 2.1% in $1B-$10B

Total Assets

size

Value: $8.89B

Peer Median: $2.79B

#22 of 885 Top 2.4% in $1B-$10B

Total Deposits

size

Value: $7.27B

Peer Median: $2.32B

#23 of 885 Top 2.5% in $1B-$10B

Top Weaknesses (2 metrics)

748

Nonperforming Asset Ratio

credit_quality

Value: 1.23%

Peer Median: 0.67%

#748 of 885 Bottom 15.6% in $1B-$10B

694

Delinquency Rate

credit_quality

Value: 1.27%

Peer Median: 0.87%

#694 of 882 Bottom 21.4% in $1B-$10B