BlastPoint's Banking Scorecard

Bank of Erath

$100M-$1B Specialty: Other LA FDIC cert 8532

Erath, 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 -1.2% year over year ($90.2M on the books).
Delinquency rate 1.44%.
Return on assets 0.18%.
Efficiency ratio 92.59% vs a 64.48% peer average.
Loan-to-deposit ratio 47.42% 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) →

Bank of Erath has 2 strengths but faces 4 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

+ Non-Interest-Bearing Deposit Share 18.20% above tier average
+ Net Interest Margin 0.20% above tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 22.7% in tier
- Deposit Outflow: Bottom 29.5% in tier
- Return on Assets 1.14% below tier average
- Delinquency Rate 0.52% above tier average

Get updates when Bank of Erath releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Total Assets ?	$105.3M -0.6% YoY -3.0% QoQ	-$281.2M	$386.6M +1.2% YoY	$799.3M +7.8% YoY	$6.3B +7.7% YoY	Bottom 1.4% in tier
Total Loans ?	$42.8M -23.0% YoY +1.5% QoQ	-$215.6M	$258.3M +1.7% YoY	$538.5M +5.3% YoY	$3.2B +9.4% YoY	Bottom 1.8% in tier
Total Deposits ?	$90.2M -1.2% YoY -3.5% QoQ	-$236.5M	$326.7M +0.7% YoY	$677.9M +7.3% YoY	$4.9B +7.3% YoY	Bottom 2.5% in tier
Return on Assets ?	0.18% -66.8% YoY -57.6% QoQ	-1.14%	1.32% +10.8% YoY	1.37% +23.6% YoY	1.30% +12.1% YoY	Bottom 5.3% in tier
Net Interest Margin ?	4.19% +0.6% YoY +2.0% QoQ	+0.20%	3.99% +5.0% YoY	4.15% +0.0% YoY	3.95% +4.9% YoY	65%
Efficiency Ratio ?	92.59% +10.3% YoY +6.0% QoQ	+28.11%	64.48% -3.2% YoY	69.40% -0.9% YoY	70.05% +2.5% YoY	Bottom 4.3% in tier
Delinquency Rate ?	1.44% -66.0% YoY +539.6% QoQ	+0.52%	0.92% +15.7% YoY	1.53% +7.9% YoY	0.98% +16.3% YoY	19%
Loan-to-Deposit Ratio ?	47.42% -22.0% YoY +5.2% QoQ	-30.53%	77.95% +1.0% YoY	77.15% -1.0% YoY	79.03% +2.3% YoY	Top 7.1% in tier
Non-Interest-Bearing Deposit Share ?	40.23% -4.3% YoY -6.2% QoQ	+18.20%	22.03% -0.6% YoY	24.65% +0.5% YoY	21.98% -0.6% YoY	Top 4.6% in tier
Nonperforming Asset Ratio ?	0.59% -73.9% YoY +213.4% QoQ	-0.08%	0.67% +16.4% YoY	1.11% +4.1% YoY	0.69% +15.8% YoY	35%
Tier 1 Capital Ratio ?	14.39% +0.4% YoY +0.8% QoQ	-1.52%	15.91% +1.4% YoY	17.35% +5.4% YoY	17.09% +0.8% YoY	61%
Non-Interest Income / Assets ?	0.16% -30.1% YoY +35.1% QoQ	-0.41%	0.57% +7.6% YoY	0.33% +19.6% YoY	0.66% +5.2% YoY	38%

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	40.2% -1.8pp YoY -2.7pp QoQ	+18.1pp	22.1%	24.6%	22.2%	95%
Brokered Deposits	n/a	n/a	7.9%	6.7%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
C&I	4.0% -6.1pp YoY -0.4pp QoQ	-7.6pp	11.6%	12.6%	12.5%	14%
CRE	36.8% -2.7pp YoY -2.1pp QoQ	-2.8pp	39.5%	44.9%	41.4%	47%
1-4 Family	38.7% +8.5pp YoY -1.1pp QoQ	+6.1pp	32.6%	34.2%	31.3%	68%
Consumer	4.4% +1.0pp YoY +0.4pp QoQ	+0.3pp	4.1%	4.2%	5.0%	73%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	22.5%	19.7%	n/a
Leverage Ratio	14.4% +0.1pp YoY +0.1pp QoQ	+2.2pp	12.2%	13.4%	12.6%	83%
Total Capital Ratio	n/a	n/a	19.9%	23.6%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Full-Time Employees	27 -1 (-3.6%) YoY +2 (+8.0%) QoQ	-32	58	114	482	22%
Assets per Employee ($)	$3.9M +3.1% YoY -10.2% QoQ	-$3.6M	$7.5M	$6.8M	$8.8M	4%
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	1.2%	+0.9pp	0.3%	0.4%	0.4%	94%
Nonaccrual	0.2% -4.0pp YoY 0.0pp QoQ	-0.7pp	0.9%	1.4%	1.0%	31%
Allowance Coverage	1.13x +275.5% YoY -84.5% QoQ	-23.02x	24.15x	27.36x	20.23x	30%
Net Charge-off Rate (YTD)	-0.0% -0.1pp YoY	-0.2pp	0.1%	0.1%	0.2%	13%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
ROE	1.4% -3.1pp YoY -1.9pp QoQ	-10.8pp	12.2%	12.5%	11.6%	5%
Cost of Funds (YTD)	1.0% -0.1pp YoY 0.0pp QoQ	-0.7pp	1.7%	1.7%	1.7%	10%
Net Income ($, YTD)	$99,000 -67.2% YoY — QoQ	-$2.5M	$2.6M	$5.1M	$40.4M	4%

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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 (2)

Efficiency Drag

risk

#83 of 361 • Bottom 22.7% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 92.59%

(Tier: 64.48%, National: 70.05%)

worse than tier avg

361 of 361 Community banks match · 426 nationally

↓ Shrinking -64 banks QoQ | QoQ rank improving

Deposit Outflow

decline

#159 of 535 • Bottom 29.5% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally

→ Stable +31 banks QoQ | QoQ rank declining

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 (2 metrics)

122

Non-Interest-Bearing Deposit Share

funding

Value: 40.23%

Peer Median: 22.03%

#122 of 2643 Top 4.6% in $100M-$1B

189

Loan-to-Deposit Ratio

liquidity

Value: 47.42%

Peer Median: 77.95%

#189 of 2643 Top 7.1% in $100M-$1B

Top Weaknesses (6 metrics)

2607

Total Assets

size

Value: $105.33M

Peer Median: $386.57M

#2607 of 2643 Bottom 1.4% in $100M-$1B

2596

Total Loans

size

Value: $42.79M

Peer Median: $258.35M

#2596 of 2643 Bottom 1.8% in $100M-$1B

2578

Total Deposits

size

Value: $90.23M

Peer Median: $326.73M

#2578 of 2643 Bottom 2.5% in $100M-$1B

2530

Efficiency Ratio

profitability

Value: 92.59%

Peer Median: 64.48%

#2530 of 2643 Bottom 4.3% in $100M-$1B

2503

Return on Assets

profitability

Value: 0.18%

Peer Median: 1.32%

#2503 of 2643 Bottom 5.3% in $100M-$1B

2129

Delinquency Rate

credit_quality

Value: 1.44%

Peer Median: 0.92%

#2129 of 2633 Bottom 19.2% in $100M-$1B