BlastPoint's Banking Scorecard
The Commercial Bank
De Kalb, MS
5 branches across MS
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 39 in MS.
- Deposits +7.8% year over year ($267.0M on the books).
- Delinquency rate 0.25%.
- Return on assets 0.91%.
- Efficiency ratio 64.13% vs a 64.48% peer average.
- Loan-to-deposit ratio 62.97% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Commercial Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 0.35% below tier average
- + Delinquency Rate 0.67% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.41% below tier average
- - Net Interest Margin 0.18% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$295.5M
+12.3% YoY
+3.1% QoQ
|
-$91.1M |
$386.6M
+1.2% YoY
|
$2.3B
+4.7% YoY
|
$6.3B
+7.7% YoY
|
45% |
| Total Loans ? |
$168.1M
+22.3% YoY
+2.3% QoQ
|
-$90.2M |
$258.3M
+1.7% YoY
|
$1.6B
+6.5% YoY
|
$3.2B
+9.4% YoY
|
40% |
| Total Deposits ? |
$267.0M
+7.8% YoY
+0.1% QoQ
|
-$59.7M |
$326.7M
+0.7% YoY
|
$1.9B
+4.9% YoY
|
$4.9B
+7.3% YoY
|
48% |
| Return on Assets ? |
0.91%
+38.0% YoY
+3.7% QoQ
|
-0.41% |
1.32%
+10.8% YoY
|
1.27%
+12.8% YoY
|
1.30%
+12.1% YoY
|
29% |
| Net Interest Margin ? |
3.81%
+8.6% YoY
+0.1% QoQ
|
-0.18% |
3.99%
+5.0% YoY
|
4.02%
+5.6% YoY
|
3.95%
+4.9% YoY
|
43% |
| Efficiency Ratio ? |
64.13%
-11.8% YoY
-1.4% QoQ
|
-0.35% |
64.48%
-3.2% YoY
|
65.83%
-2.8% YoY
|
70.05%
+2.5% YoY
|
45% |
| Delinquency Rate ? |
0.25%
-59.5% YoY
+72.8% QoQ
|
-0.67% |
0.92%
+15.7% YoY
|
1.03%
+6.0% YoY
|
0.98%
+16.3% YoY
|
62% |
| Loan-to-Deposit Ratio ? |
62.97%
+13.4% YoY
+2.2% QoQ
|
-14.98% |
77.95%
+1.0% YoY
|
72.48%
+3.6% YoY
|
79.03%
+2.3% YoY
|
79% |
| Non-Interest-Bearing Deposit Share ? |
21.40%
-5.1% YoY
-6.1% QoQ
|
-0.63% |
22.03%
-0.6% YoY
|
22.74%
-2.6% YoY
|
21.98%
-0.6% YoY
|
52% |
| Nonperforming Asset Ratio ? |
0.17%
-46.6% YoY
+50.6% QoQ
|
-0.50% |
0.67%
+16.4% YoY
|
0.80%
+11.3% YoY
|
0.69%
+15.8% YoY
|
63% |
| Tier 1 Capital Ratio ? |
10.60%
-0.6% YoY
+0.0% QoQ
|
-5.31% |
15.91%
+1.4% YoY
|
13.77%
-2.2% YoY
|
17.09%
+0.8% YoY
|
18% |
| Non-Interest Income / Assets ? |
0.11%
-27.7% YoY
+56.2% QoQ
|
-0.46% |
0.57%
+7.6% YoY
|
0.38%
+2.4% YoY
|
0.66%
+5.2% YoY
|
20% |
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 (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
21.4%
-1.1pp YoY -1.4pp QoQ |
-0.7pp | 22.1% | 23.1% | 22.2% | 51% |
| Brokered Deposits |
9.3%
+2.2pp YoY +1.6pp QoQ |
+1.4pp | 7.9% | 3.8% | 8.5% | 73% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
33.8%
+1.4pp YoY +0.9pp QoQ |
+22.2pp | 11.6% | 12.4% | 12.5% | 97% |
| CRE |
39.5%
+6.3pp YoY -0.4pp QoQ |
-0.1pp | 39.5% | 42.3% | 41.4% | 52% |
| 1-4 Family |
19.6%
-2.4pp YoY +0.5pp QoQ |
-13.1pp | 32.6% | 33.1% | 31.3% | 29% |
| Consumer |
6.5%
-4.9pp YoY -1.0pp QoQ |
+2.4pp | 4.1% | 5.6% | 5.0% | 84% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 16.5% | 19.7% | n/a |
| Leverage Ratio |
10.6%
-0.1pp YoY 0.0pp QoQ |
-1.6pp | 12.2% | 11.9% | 12.6% | 43% |
| Total Capital Ratio | n/a | n/a | 19.9% | 17.7% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
63
+3 (+5.0%) YoY +1 (+1.6%) QoQ |
+4 | 58 | 297 | 482 | 66% |
| Assets per Employee ($) |
$4.7M
+7.0% YoY +1.5% QoQ |
-$2.8M | $7.5M | $6.2M | $8.8M | 11% |
| Branch Count |
5
0 YoY 0 QoQ |
0 | 4 | 22 | 18 | 55% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.2%
0.0pp YoY +0.1pp QoQ |
-0.2pp | 0.3% | 0.3% | 0.4% | 61% |
| Nonaccrual |
0.1%
-0.4pp YoY 0.0pp QoQ |
-0.9pp | 0.9% | 0.9% | 1.0% | 16% |
| Allowance Coverage |
6.54x
+127.9% YoY -41.5% QoQ |
-17.62x | 24.15x | 4.87x | 20.23x | 75% |
| Net Charge-off Rate (YTD) |
0.1%
-0.2pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 73% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.5%
+1.8pp YoY +0.5pp QoQ |
+2.3pp | 12.2% | 11.7% | 11.6% | 65% |
| Cost of Funds (YTD) |
2.0%
-0.2pp YoY 0.0pp QoQ |
+0.3pp | 1.7% | 1.8% | 1.7% | 71% |
| Net Income ($, YTD) |
$1.3M
+51.3% YoY — QoQ |
-$1.2M | $2.6M | $13.8M | $40.4M | 36% |
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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.