BlastPoint's Banking Scorecard

The Commercial Bank

$100M-$1B Specialty: Commercial MS FDIC cert 9356

De Kalb, MS

5 branches across MS

2664 banks in the $100M-$1B peer group nationally 42 in MS

The Commercial Bank has 2 strengths but faces 2 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

+ Efficiency Ratio 0.27% below tier average
+ Delinquency Rate 0.74% below tier average

Key Concerns

Areas that may need attention

- ROA 0.39% below tier average
- Net Interest Margin 0.12% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Total Assets ?	$286.5M +6.3% YoY +3.0% QoQ	-$99.6M	$386.1M +0.5% YoY	$2.3B +11.5% YoY	$6.2B +9.1% YoY	43%
Total Loans ?	$164.3M +27.1% YoY +9.8% QoQ	-$91.4M	$255.7M +1.1% YoY	$1.5B +13.2% YoY	$3.2B +10.8% YoY	40%
Total Deposits ?	$266.7M +5.0% YoY +5.9% QoQ	-$61.3M	$328.0M +0.1% YoY	$1.9B +10.5% YoY	$4.8B +8.2% YoY	48%
Return on Assets ?	0.88% +46.0% YoY +13.8% QoQ	-0.39%	1.27% +12.9% YoY	1.16% +5.3% YoY	1.23% +13.4% YoY	30%
Net Interest Margin ?	3.81% +12.4% YoY +4.1% QoQ	-0.12%	3.93% +6.0% YoY	3.97% +6.6% YoY	3.89% +5.7% YoY	47%
Efficiency Ratio ?	65.02% -13.5% YoY -5.5% QoQ	-0.27%	65.29% -4.5% YoY	67.65% -1.2% YoY	66.95% -4.1% YoY	45%
Delinquency Rate ?	0.14% -70.8% YoY -7.8% QoQ	-0.74%	0.89% +18.8% YoY	1.06% +2.0% YoY	0.95% +18.8% YoY	69%
Loan-to-Deposit Ratio ?	61.61% +21.1% YoY +3.7% QoQ	-15.03%	76.64% +0.8% YoY	70.20% +3.2% YoY	76.70% +0.9% YoY	79%
Non-Interest-Bearing Deposit Share ?	22.80% +3.7% YoY +1.2% QoQ	+0.78%	22.02% -1.0% YoY	22.68% -1.8% YoY	22.01% -1.2% YoY	58%
Nonperforming Asset Ratio ?	0.11% -51.9% YoY -2.6% QoQ	-0.52%	0.64% +19.7% YoY	0.74% +0.7% YoY	0.67% +19.3% YoY	68%
Tier 1 Capital Ratio ?	10.60% +0.1% YoY -0.8% QoQ	-5.23%	15.83% +1.5% YoY	13.90% -1.0% YoY	17.06% +0.8% YoY	18%
Non-Interest Income / Assets ?	0.07% -0.8% YoY -76.9% QoQ	-0.21%	0.28% +9.3% YoY	0.17% -9.5% YoY	0.32% +4.1% YoY	30%

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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 (0)

No matched concern signatures this quarter

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 2664 peers in $100M-$1B

Top Strengths (1 metrics)

550

Loan-to-Deposit Ratio

liquidity

Value: 61.61%

Peer Median: 76.64%

#550 of 2664 Top 20.6% in $100M-$1B

Top Weaknesses (1 metrics)

2194

Tier 1 Capital Ratio

capital

Value: 10.60%

Peer Median: 15.83%

#2194 of 2664 Bottom 17.7% in $100M-$1B