BlastPoint's Banking Scorecard
BankPlus
Designations: ✓ CDFI-certified
Belzoni, MS
75 branches across MS · LA · AL · FL
BankPlus has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 1.18% below tier average
- + Delinquency Rate 0.35% below tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 17.9% in tier
- - Capital Thin: Bottom 25.3% in tier
- - NIB Deposit Bleed: Bottom 83.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$8.3B
+3.2% YoY
+2.5% QoQ
|
+$5.5B |
$2.8B
-0.1% YoY
|
$2.3B
+11.5% YoY
|
$6.2B
+9.1% YoY
|
Top 4.1% in tier |
| Total Loans ? |
$6.2B
+3.5% YoY
+0.2% QoQ
|
+$4.3B |
$2.0B
+0.6% YoY
|
$1.5B
+13.2% YoY
|
$3.2B
+10.8% YoY
|
Top 3.1% in tier |
| Total Deposits ? |
$7.2B
+4.7% YoY
+3.2% QoQ
|
+$4.9B |
$2.3B
-0.3% YoY
|
$1.9B
+10.5% YoY
|
$4.8B
+8.2% YoY
|
Top 2.6% in tier |
| Return on Assets ? |
1.40%
+10.2% YoY
+23.5% QoQ
|
+0.04% |
1.37%
+19.6% YoY
|
1.16%
+5.3% YoY
|
1.23%
+13.4% YoY
|
64% |
| Net Interest Margin ? |
3.81%
+10.1% YoY
+2.0% QoQ
|
-0.01% |
3.82%
+6.9% YoY
|
3.97%
+6.6% YoY
|
3.89%
+5.7% YoY
|
60% |
| Efficiency Ratio ? |
59.88%
-3.2% YoY
-6.2% QoQ
|
-1.18% |
61.06%
-4.6% YoY
|
67.65%
-1.2% YoY
|
66.95%
-4.1% YoY
|
50% |
| Delinquency Rate ? |
0.54%
+51.4% YoY
+19.0% QoQ
|
-0.35% |
0.89%
+14.1% YoY
|
1.06%
+2.0% YoY
|
0.95%
+18.8% YoY
|
51% |
| Loan-to-Deposit Ratio ? |
86.31%
-1.2% YoY
-2.9% QoQ
|
+2.11% |
84.20%
+0.3% YoY
|
70.20%
+3.2% YoY
|
76.70%
+0.9% YoY
|
50% |
| Non-Interest-Bearing Deposit Share ? |
18.45%
-12.5% YoY
+0.7% QoQ
|
-2.84% |
21.29%
-2.5% YoY
|
22.68%
-1.8% YoY
|
22.01%
-1.2% YoY
|
42% |
| Nonperforming Asset Ratio ? |
0.45%
+20.8% YoY
+10.2% QoQ
|
-0.22% |
0.67%
+15.6% YoY
|
0.74%
+0.7% YoY
|
0.67%
+19.3% YoY
|
48% |
| Tier 1 Capital Ratio ? |
10.77%
+3.9% YoY
-1.3% QoQ
|
-4.39% |
15.16%
+2.0% YoY
|
13.90%
-1.0% YoY
|
17.06%
+0.8% YoY
|
Bottom 13.1% in tier |
| Non-Interest Income / Assets ? |
0.27%
-3.3% YoY
-72.1% QoQ
|
+0.02% |
0.26%
+1.6% YoY
|
0.17%
-9.5% YoY
|
0.32%
+4.1% YoY
|
84% |
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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 (0)
Concerns (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.