BlastPoint's Banking Scorecard
CLB The Community Bank
Micro
Specialty: Commercial
LA
FDIC cert 10532
Designations: ✓ Community bank
Jonesville, LA
2498
banks in Micro tier nationally
66 in LA
View Micro leaderboard (LA) →
CLB The Community Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.79% above tier
- - Nonperforming Asset Ratio 1.38% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$328.1M
+3.2% YoY
+1.8% QoQ
|
+$110.7M |
$217.5M
+2.3% YoY
|
$757.6M
+4.2% YoY
|
$5.9B
+6.5% YoY
|
77% |
| Total Loans ? |
$211.5M
-8.6% YoY
-5.3% QoQ
|
+$72.3M |
$139.2M
+2.8% YoY
|
$510.8M
+1.6% YoY
|
$3.1B
+8.5% YoY
|
77% |
| Total Deposits ? |
$292.1M
+2.1% YoY
+2.1% QoQ
|
+$108.5M |
$183.7M
+1.8% YoY
|
$647.1M
+4.0% YoY
|
$4.7B
+6.3% YoY
|
80% |
| Return on Assets ? |
1.86%
-5.3% YoY
-7.5% QoQ
|
+0.78% |
1.08%
+14.7% YoY
|
1.09%
+11.0% YoY
|
1.12%
+15.6% YoY
|
Top 13% in tier |
| Net Interest Margin ? |
4.67%
-0.3% YoY
-0.8% QoQ
|
+0.82% |
3.85%
+6.6% YoY
|
4.11%
+6.6% YoY
|
3.75%
+7.1% YoY
|
84% |
| Efficiency Ratio ? |
59.03%
+1.8% YoY
+7.2% QoQ
|
-8.70% |
67.73%
-4.8% YoY
|
68.99%
-3.0% YoY
|
65.09%
-5.1% YoY
|
70% |
| Delinquency Rate ? |
2.43%
+25.0% YoY
+10.0% QoQ
|
+1.79% |
0.64%
+24.4% YoY
|
1.20%
-3.6% YoY
|
0.66%
+20.3% YoY
|
Bottom 10% in tier |
| Loan-to-Deposit Ratio ? |
72.41%
-10.5% YoY
-7.3% QoQ
|
-2.12% |
74.53%
+0.5% YoY
|
76.53%
+1.5% YoY
|
78.04%
+0.7% YoY
|
57% |
| Non-Interest-Bearing Deposit Share ? |
22.38%
-1.9% YoY
-22.4% QoQ
|
-0.01% |
22.39%
-1.3% YoY
|
23.36%
-2.3% YoY
|
21.79%
-1.3% YoY
|
53% |
| Nonperforming Asset Ratio ? |
1.83%
+27.0% YoY
+9.1% QoQ
|
+1.38% |
0.45%
+25.1% YoY
|
0.96%
+1.0% YoY
|
0.48%
+20.8% YoY
|
Bottom 8% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
8.68%
-5.6% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.49%
-20.1% YoY
+36.0% QoQ
|
-0.07% |
0.56%
+0.3% YoY
|
0.55%
-11.7% YoY
|
0.65%
+0.6% YoY
|
68% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Delinquency Rate
metric
Bottom 10%
in Micro
Why this stands out
Current:
2.43%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 8%
in Micro
Why this stands out
Current:
1.83%
(Tier avg: 0.45%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
87
87th pctile
Return on Assets
Current: 1.86% · Tier avg: 1.08%
84
84th pctile
Net Interest Margin
Current: 4.67% · Tier avg: 3.85%
80
80th pctile
Total Deposits
Current: $292.1M · Tier avg: $183.7M
77
77th pctile
Total Assets
Current: $328.1M · Tier avg: $217.5M
77
77th pctile
Total Loans
Current: $211.5M · Tier avg: $139.2M
70
70th pctile
Efficiency Ratio
Current: 59.03% · Tier avg: 67.73%
68
68th pctile
Non-Interest Income / Assets
Current: 0.49% · Tier avg: 0.56%
57
57th pctile
Loan-to-Deposit Ratio
Current: 72.41% · Tier avg: 74.53%
53
53th pctile
Non-Interest-Bearing Deposit Share
Current: 22.38% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
10
10th pctile
Delinquency Rate
Current: 2.43% · Tier avg: 0.64%
8
8th pctile
Nonperforming Asset Ratio
Current: 1.83% · Tier avg: 0.45%
Top Weaknesses
8
8th pctile
Nonperforming Asset Ratio
Current: 1.83% · Tier avg: 0.45%
10
10th pctile
Delinquency Rate
Current: 2.43% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
53
53th pctile
Non-Interest-Bearing Deposit Share
Current: 22.38% · Tier avg: 22.39%
57
57th pctile
Loan-to-Deposit Ratio
Current: 72.41% · Tier avg: 74.53%
68
68th pctile
Non-Interest Income / Assets
Current: 0.49% · Tier avg: 0.56%
70
70th pctile
Efficiency Ratio
Current: 59.03% · Tier avg: 67.73%
77
77th pctile
Total Loans
Current: $211.5M · Tier avg: $139.2M
77
77th pctile
Total Assets
Current: $328.1M · Tier avg: $217.5M
80
80th pctile
Total Deposits
Current: $292.1M · Tier avg: $183.7M
84
84th pctile
Net Interest Margin
Current: 4.67% · Tier avg: 3.85%
87
87th pctile
Return on Assets
Current: 1.86% · Tier avg: 1.08%