BlastPoint's Banking Scorecard
Jackson Parish Bank
Designations: ✓ Community bank
Jonesboro, 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 536 banks in the under $100M peer group nationwide — 1 of 11 in LA.
- Deposits +8.9% year over year ($54.4M on the books).
- Delinquency rate 2.89%.
- Return on assets 1.47%.
- Efficiency ratio 63.02% vs a 119.40% peer average.
- Loan-to-deposit ratio 62.93% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Jackson Parish Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.47% above tier average
- + Net Interest Margin 0.22% above tier average
- + Efficiency Ratio 56.38% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.41% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$67.3M
+8.9% YoY
-0.4% QoQ
|
+$4.9M |
$62.4M
-0.0% YoY
|
$799.3M
+7.8% YoY
|
$6.3B
+7.7% YoY
|
53% |
| Total Loans ? |
$34.2M
+17.5% YoY
+6.0% QoQ
|
-$683K |
$34.9M
-0.6% YoY
|
$538.5M
+5.3% YoY
|
$3.2B
+9.4% YoY
|
51% |
| Total Deposits ? |
$54.4M
+8.9% YoY
-1.2% QoQ
|
+$2.7M |
$51.6M
-0.2% YoY
|
$677.9M
+7.3% YoY
|
$4.9B
+7.3% YoY
|
52% |
| Return on Assets ? |
1.47%
-12.5% YoY
+38.1% QoQ
|
+0.47% |
1.00%
+3.5% YoY
|
1.37%
+23.6% YoY
|
1.30%
+12.1% YoY
|
73% |
| Net Interest Margin ? |
4.13%
+2.9% YoY
+3.5% QoQ
|
+0.22% |
3.91%
+2.3% YoY
|
4.15%
+0.0% YoY
|
3.95%
+4.9% YoY
|
62% |
| Efficiency Ratio ? |
63.02%
-3.8% YoY
+1.7% QoQ
|
-56.38% |
119.40%
+49.6% YoY
|
69.40%
-0.9% YoY
|
70.05%
+2.5% YoY
|
68% |
| Delinquency Rate ? |
2.89%
+86.0% YoY
+92.6% QoQ
|
+1.41% |
1.48%
+31.8% YoY
|
1.53%
+7.9% YoY
|
0.98%
+16.3% YoY
|
Bottom 13.0% in tier |
| Loan-to-Deposit Ratio ? |
62.93%
+7.9% YoY
+7.3% QoQ
|
-11.28% |
74.21%
+12.6% YoY
|
77.15%
-1.0% YoY
|
79.03%
+2.3% YoY
|
55% |
| Non-Interest-Bearing Deposit Share ? |
31.58%
-8.3% YoY
-4.1% QoQ
|
+8.09% |
23.49%
+0.6% YoY
|
24.65%
+0.5% YoY
|
21.98%
-0.6% YoY
|
79% |
| Nonperforming Asset Ratio ? |
1.47%
+100.7% YoY
+104.9% QoQ
|
+0.63% |
0.84%
+23.0% YoY
|
1.11%
+4.1% YoY
|
0.69%
+15.8% YoY
|
16% |
| Tier 1 Capital Ratio ? |
20.77%
-2.1% YoY
+16.0% QoQ
|
-6.36% |
27.13%
+3.0% YoY
|
17.35%
+5.4% YoY
|
17.09%
+0.8% YoY
|
71% |
| Non-Interest Income / Assets ? |
0.18%
-25.7% YoY
+93.0% QoQ
|
-1.20% |
1.38%
+6.3% YoY
|
0.33%
+19.6% YoY
|
0.66%
+5.2% YoY
|
67% |
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 |
31.6%
-2.9pp YoY -1.4pp QoQ |
+6.9pp | 24.6% | 24.6% | 22.2% | 78% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 |
12.4%
-0.2pp YoY +1.6pp QoQ |
-1.0pp | 13.4% | 12.6% | 12.5% | 60% |
| CRE | n/a | n/a | 25.2% | 44.9% | 41.4% | n/a |
| 1-4 Family |
46.6%
+4.1pp YoY -1.1pp QoQ |
+11.6pp | 35.0% | 34.2% | 31.3% | 69% |
| Consumer |
21.6%
-0.3pp YoY -0.6pp QoQ |
+13.9pp | 7.7% | 4.2% | 5.0% | 94% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 22.5% | 19.7% | n/a |
| Leverage Ratio |
20.8%
-0.5pp YoY +2.9pp QoQ |
+3.1pp | 17.7% | 13.4% | 12.6% | 87% |
| Total Capital Ratio | n/a | n/a | 39.7% | 23.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
14
+1 (+7.7%) YoY 0 QoQ |
+2 | 12 | 114 | 482 | 67% |
| Assets per Employee ($) |
$4.8M
+1.1% YoY -0.4% QoQ |
-$1.4M | $6.2M | $6.8M | $8.8M | 32% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 9 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
2.6%
+1.0pp YoY +1.4pp QoQ |
+1.6pp | 1.0% | 0.4% | 0.4% | 92% |
| Nonaccrual |
0.3%
+0.3pp YoY -0.1pp QoQ |
-1.4pp | 1.7% | 1.4% | 1.0% | 32% |
| Allowance Coverage |
0.25x
-59.0% YoY -52.9% QoQ |
-6.16x | 6.41x | 27.36x | 20.23x | 4% |
| Net Charge-off Rate (YTD) |
0.2%
+0.2pp YoY -0.1pp QoQ |
+0.1pp | 0.2% | 0.1% | 0.2% | 80% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
8.4%
-1.5pp YoY +2.1pp QoQ |
+2.0pp | 6.4% | 12.5% | 11.6% | 53% |
| Cost of Funds (YTD) |
0.7%
+0.1pp YoY 0.0pp QoQ |
-0.8pp | 1.4% | 1.7% | 1.7% | 12% |
| Net Income ($, YTD) |
$522,000
-5.1% YoY — QoQ |
+$204K | $317,817 | $5.1M | $40.4M | 76% |
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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.