BlastPoint's Banking Scorecard
Bank of Coushatta
Coushatta, LA
3 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 +3.5% year over year ($244.7M on the books).
- Delinquency rate 6.62%.
- Return on assets 0.50%.
- Efficiency ratio 79.98% vs a 64.48% peer average.
- Loan-to-deposit ratio 58.74% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bank of Coushatta faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.32% below tier average
- - Delinquency Rate 5.70% above tier average
- - Nonperforming Asset Ratio 2.36% above tier average
- - ROA 0.82% below tier average
- - Efficiency Ratio 15.50% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$317.1M
+3.6% YoY
-2.3% QoQ
|
-$69.5M |
$386.6M
+1.2% YoY
|
$799.3M
+7.8% YoY
|
$6.3B
+7.7% YoY
|
49% |
| Total Loans ? |
$143.7M
+2.1% YoY
+7.4% QoQ
|
-$114.6M |
$258.3M
+1.7% YoY
|
$538.5M
+5.3% YoY
|
$3.2B
+9.4% YoY
|
33% |
| Total Deposits ? |
$244.7M
+3.5% YoY
-2.7% QoQ
|
-$82.1M |
$326.7M
+0.7% YoY
|
$677.9M
+7.3% YoY
|
$4.9B
+7.3% YoY
|
44% |
| Return on Assets ? |
0.50%
+8.4% YoY
+0.9% QoQ
|
-0.82% |
1.32%
+10.8% YoY
|
1.37%
+23.6% YoY
|
1.30%
+12.1% YoY
|
Bottom 12.2% in tier |
| Net Interest Margin ? |
2.66%
+1.6% YoY
+1.4% QoQ
|
-1.32% |
3.99%
+5.0% YoY
|
4.15%
+0.0% YoY
|
3.95%
+4.9% YoY
|
Bottom 4.4% in tier |
| Efficiency Ratio ? |
79.98%
-1.7% YoY
-0.4% QoQ
|
+15.50% |
64.48%
-3.2% YoY
|
69.40%
-0.9% YoY
|
70.05%
+2.5% YoY
|
Bottom 13.7% in tier |
| Delinquency Rate ? |
6.62%
+282.3% YoY
-7.9% QoQ
|
+5.70% |
0.92%
+15.7% YoY
|
1.53%
+7.9% YoY
|
0.98%
+16.3% YoY
|
Bottom 1.0% in tier |
| Loan-to-Deposit Ratio ? |
58.74%
-1.4% YoY
+10.4% QoQ
|
-19.21% |
77.95%
+1.0% YoY
|
77.15%
-1.0% YoY
|
79.03%
+2.3% YoY
|
84% |
| Non-Interest-Bearing Deposit Share ? |
22.87%
+6.9% YoY
+9.5% QoQ
|
+0.84% |
22.03%
-0.6% YoY
|
24.65%
+0.5% YoY
|
21.98%
-0.6% YoY
|
59% |
| Nonperforming Asset Ratio ? |
3.03%
+268.0% YoY
+0.7% QoQ
|
+2.36% |
0.67%
+16.4% YoY
|
1.11%
+4.1% YoY
|
0.69%
+15.8% YoY
|
Bottom 3.3% in tier |
| Tier 1 Capital Ratio ? |
14.22%
+2.2% YoY
+0.1% QoQ
|
-1.69% |
15.91%
+1.4% YoY
|
17.35%
+5.4% YoY
|
17.09%
+0.8% YoY
|
59% |
| Non-Interest Income / Assets ? |
0.13%
+47.5% YoY
+65.9% QoQ
|
-0.43% |
0.57%
+7.6% YoY
|
0.33%
+19.6% YoY
|
0.66%
+5.2% YoY
|
29% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
22.9%
+1.5pp YoY +2.0pp QoQ |
+0.7pp | 22.1% | 24.6% | 22.2% | 59% |
| Brokered Deposits |
2.6%
+0.1pp QoQ |
-5.3pp | 7.9% | 6.7% | 8.5% | 35% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
4.2%
-1.4pp YoY -1.7pp QoQ |
-7.3pp | 11.6% | 12.6% | 12.5% | 15% |
| CRE |
55.8%
-0.2pp YoY +1.0pp QoQ |
+16.3pp | 39.5% | 44.9% | 41.4% | 79% |
| 1-4 Family |
35.4%
+2.4pp YoY +0.7pp QoQ |
+2.8pp | 32.6% | 34.2% | 31.3% | 62% |
| Consumer |
1.7%
0.0pp YoY -0.1pp QoQ |
-2.5pp | 4.1% | 4.2% | 5.0% | 42% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
14.2%
+0.3pp YoY 0.0pp QoQ |
-4.6pp | 18.8% | 22.5% | 19.7% | 41% |
| Leverage Ratio |
9.2%
-0.1pp YoY +0.2pp QoQ |
-2.9pp | 12.2% | 13.4% | 12.6% | 16% |
| Total Capital Ratio |
15.2%
+0.3pp YoY 0.0pp QoQ |
-4.7pp | 19.9% | 23.6% | 20.8% | 40% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
38
0 YoY +1 (+2.7%) QoQ |
-21 | 58 | 114 | 482 | 39% |
| Assets per Employee ($) |
$8.3M
+3.6% YoY -4.8% QoQ |
+$826K | $7.5M | $6.8M | $8.8M | 72% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 9 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
3.6%
-0.2pp QoQ |
+3.2pp | 0.3% | 0.4% | 0.4% | 99% |
| Nonaccrual |
3.0%
+1.3pp YoY -0.3pp QoQ |
+2.1pp | 0.9% | 1.4% | 1.0% | 94% |
| Allowance Coverage |
0.22x
-73.2% YoY +3.7% QoQ |
-23.94x | 24.15x | 27.36x | 20.23x | 1% |
| Net Charge-off Rate (YTD) |
0.2%
+0.1pp YoY -0.1pp QoQ |
0.0pp | 0.1% | 0.1% | 0.2% | 82% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
6.1%
-0.1pp YoY 0.0pp QoQ |
-6.1pp | 12.2% | 12.5% | 11.6% | 17% |
| Cost of Funds (YTD) |
2.0%
-0.1pp YoY 0.0pp QoQ |
+0.3pp | 1.7% | 1.7% | 1.7% | 71% |
| Net Income ($, YTD) |
$796,000
+13.4% YoY — QoQ |
-$1.8M | $2.6M | $5.1M | $40.4M | 20% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.