BlastPoint's Banking Scorecard

b1BANK

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

Baton Rouge, LA

63 branches across LA · TX

884 banks in the $1B-$10B peer group nationally 19 in LA

b1BANK has 1 strength 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

+ Efficiency Ratio 1.00% below tier average

Key Concerns

Areas that may need attention

- ROA 0.13% below tier average
- Delinquency Rate 0.66% above 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 ?	$8.9B +14.3% YoY +8.5% QoQ	+$6.1B	$2.8B -0.1% YoY	$784.8M +7.0% YoY	$6.2B +9.1% YoY	Top 2.6% in tier
Total Loans ?	$6.6B +11.8% YoY +7.9% QoQ	+$4.7B	$2.0B +0.6% YoY	$523.7M +4.0% YoY	$3.2B +10.8% YoY	Top 2.4% in tier
Total Deposits ?	$7.5B +15.4% YoY +11.2% QoQ	+$5.1B	$2.3B -0.3% YoY	$671.5M +6.9% YoY	$4.8B +8.2% YoY	Top 2.0% in tier
Return on Assets ?	1.23% +8.3% YoY +0.6% QoQ	-0.13%	1.37% +19.6% YoY	1.24% +12.4% YoY	1.23% +13.4% YoY	51%
Net Interest Margin ?	3.85% +3.7% YoY +2.2% QoQ	+0.03%	3.82% +6.9% YoY	4.12% +1.2% YoY	3.89% +5.7% YoY	63%
Efficiency Ratio ?	60.06% -0.8% YoY +2.2% QoQ	-1.00%	61.06% -4.6% YoY	70.37% -1.0% YoY	66.95% -4.1% YoY	49%
Delinquency Rate ?	1.54% +120.1% YoY +23.5% QoQ	+0.66%	0.89% +14.1% YoY	1.51% +4.5% YoY	0.95% +18.8% YoY	15%
Loan-to-Deposit Ratio ?	88.63% -3.2% YoY -3.0% QoQ	+4.42%	84.20% +0.3% YoY	75.16% -1.5% YoY	76.70% +0.9% YoY	43%
Non-Interest-Bearing Deposit Share ?	21.16% +5.2% YoY +6.1% QoQ	-0.13%	21.29% -2.5% YoY	24.55% -1.4% YoY	22.01% -1.2% YoY	57%
Nonperforming Asset Ratio ?	1.38% +151.4% YoY +26.5% QoQ	+0.71%	0.67% +15.6% YoY	1.07% +4.2% YoY	0.67% +19.3% YoY	Bottom 11.8% in tier
Tier 1 Capital Ratio ?	11.96% -0.6% YoY -0.5% QoQ	-3.20%	15.16% +2.0% YoY	16.56% +0.4% YoY	17.06% +0.8% YoY	31%
Non-Interest Income / Assets ?	0.16% -3.6% YoY -75.0% QoQ	-0.10%	0.26% +1.6% YoY	0.11% -17.3% YoY	0.32% +4.1% YoY	57%

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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 884 peers in $1B-$10B

Top Strengths (3 metrics)

Total Deposits

size

Value: $7.47B

Peer Median: $2.34B

#19 of 884 Top 2.0% in $1B-$10B

Total Loans

size

Value: $6.62B

Peer Median: $1.96B

#22 of 884 Top 2.4% in $1B-$10B

Total Assets

size

Value: $8.90B

Peer Median: $2.82B

#24 of 884 Top 2.6% in $1B-$10B

Top Weaknesses (2 metrics)

781

Nonperforming Asset Ratio

credit_quality

Value: 1.38%

Peer Median: 0.67%

#781 of 884 Bottom 11.8% in $1B-$10B

748

Delinquency Rate

credit_quality

Value: 1.54%

Peer Median: 0.89%

#748 of 880 Bottom 15.1% in $1B-$10B