BlastPoint's Banking Scorecard
Cottonport Bank
Designations: ✓ CDFI-certified
Cottonport, LA
13 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 +4.6% year over year ($500.5M on the books).
- Delinquency rate 1.00%.
- Return on assets 1.77%.
- Efficiency ratio 54.34% vs a 64.48% peer average.
- Loan-to-deposit ratio 72.10% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Cottonport Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 14.97% above tier average
- + ROA 0.45% above tier average
- + Net Interest Margin 0.39% above tier average
- + Efficiency Ratio 10.14% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 0.09% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$581.6M
+5.8% YoY
+0.1% QoQ
|
+$195.0M |
$386.6M
+1.2% YoY
|
$799.3M
+7.8% YoY
|
$6.3B
+7.7% YoY
|
79% |
| Total Loans ? |
$360.9M
+4.3% YoY
-0.5% QoQ
|
+$102.5M |
$258.3M
+1.7% YoY
|
$538.5M
+5.3% YoY
|
$3.2B
+9.4% YoY
|
75% |
| Total Deposits ? |
$500.5M
+4.6% YoY
-0.6% QoQ
|
+$173.7M |
$326.7M
+0.7% YoY
|
$677.9M
+7.3% YoY
|
$4.9B
+7.3% YoY
|
80% |
| Return on Assets ? |
1.77%
+19.2% YoY
+10.8% QoQ
|
+0.45% |
1.32%
+10.8% YoY
|
1.37%
+23.6% YoY
|
1.30%
+12.1% YoY
|
79% |
| Net Interest Margin ? |
4.37%
+4.7% YoY
+2.5% QoQ
|
+0.39% |
3.99%
+5.0% YoY
|
4.15%
+0.0% YoY
|
3.95%
+4.9% YoY
|
74% |
| Efficiency Ratio ? |
54.34%
-8.6% YoY
-5.1% QoQ
|
-10.14% |
64.48%
-3.2% YoY
|
69.40%
-0.9% YoY
|
70.05%
+2.5% YoY
|
74% |
| Delinquency Rate ? |
1.00%
-12.2% YoY
-29.6% QoQ
|
+0.09% |
0.92%
+15.7% YoY
|
1.53%
+7.9% YoY
|
0.98%
+16.3% YoY
|
28% |
| Loan-to-Deposit Ratio ? |
72.10%
-0.3% YoY
+0.1% QoQ
|
-5.85% |
77.95%
+1.0% YoY
|
77.15%
-1.0% YoY
|
79.03%
+2.3% YoY
|
66% |
| Non-Interest-Bearing Deposit Share ? |
37.00%
-6.4% YoY
-0.3% QoQ
|
+14.97% |
22.03%
-0.6% YoY
|
24.65%
+0.5% YoY
|
21.98%
-0.6% YoY
|
Top 7.1% in tier |
| Nonperforming Asset Ratio ? |
0.68%
-10.4% YoY
-28.5% QoQ
|
+0.01% |
0.67%
+16.4% YoY
|
1.11%
+4.1% YoY
|
0.69%
+15.8% YoY
|
31% |
| Tier 1 Capital Ratio ? |
13.94%
+5.4% YoY
+2.4% QoQ
|
-1.97% |
15.91%
+1.4% YoY
|
17.35%
+5.4% YoY
|
17.09%
+0.8% YoY
|
57% |
| Non-Interest Income / Assets ? |
0.37%
+12.5% YoY
+123.3% QoQ
|
-0.20% |
0.57%
+7.6% YoY
|
0.33%
+19.6% YoY
|
0.66%
+5.2% YoY
|
82% |
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 |
37.0%
-2.5pp YoY -0.1pp QoQ |
+14.9pp | 22.1% | 24.6% | 22.2% | 93% |
| 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 |
11.3%
+0.2pp YoY -0.3pp QoQ |
-0.2pp | 11.6% | 12.6% | 12.5% | 60% |
| CRE |
48.8%
+1.7pp YoY -0.7pp QoQ |
+9.3pp | 39.5% | 44.9% | 41.4% | 68% |
| 1-4 Family |
29.4%
+1.4pp YoY +1.6pp QoQ |
-3.3pp | 32.6% | 34.2% | 31.3% | 50% |
| Consumer |
3.5%
-0.2pp YoY 0.0pp QoQ |
-0.6pp | 4.1% | 4.2% | 5.0% | 65% |
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 |
13.9%
+0.7pp YoY +0.3pp QoQ |
+1.8pp | 12.2% | 13.4% | 12.6% | 81% |
| 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 |
136
+3 (+2.3%) YoY 0 QoQ |
+77 | 58 | 114 | 482 | 96% |
| Assets per Employee ($) |
$4.3M
+3.5% YoY +0.1% QoQ |
-$3.2M | $7.5M | $6.8M | $8.8M | 7% |
| Branch Count |
13
0 YoY 0 QoQ |
+8 | 4 | 9 | 18 | 96% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.2%
+0.1pp YoY +0.2pp QoQ |
-0.1pp | 0.3% | 0.4% | 0.4% | 65% |
| Nonaccrual |
0.8%
-0.2pp YoY -0.6pp QoQ |
-0.1pp | 0.9% | 1.4% | 1.0% | 66% |
| Allowance Coverage |
1.30x
+6.0% YoY +42.9% QoQ |
-22.85x | 24.15x | 27.36x | 20.23x | 35% |
| Net Charge-off Rate (YTD) |
0.1%
-0.1pp YoY -0.1pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 70% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.5%
+1.2pp YoY +1.2pp QoQ |
+1.3pp | 12.2% | 12.5% | 11.6% | 59% |
| Cost of Funds (YTD) |
1.4%
-0.1pp YoY 0.0pp QoQ |
-0.3pp | 1.7% | 1.7% | 1.7% | 32% |
| Net Income ($, YTD) |
$5.1M
+26.2% YoY — QoQ |
+$2.5M | $2.6M | $5.1M | $40.4M | 88% |
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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.