BlastPoint's Banking Scorecard
Origin Bank
Mid-Market
Specialty: Commercial
LA
FDIC cert 12614
Choudrant, LA
201
banks in Mid-Market tier nationally
2 in LA
View Mid-Market leaderboard (LA) →
Origin Bank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 1% in Mid-Market
- - Liquidity Strain: Bottom 9% in Mid-Market
- - Flatlined Growth: Bottom 26% in Mid-Market
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$9.6B
+0.3% YoY
-0.7% QoQ
|
-$836.4M |
$10.5B
+2.9% YoY
|
$757.6M
+4.2% YoY
|
$5.9B
+6.5% YoY
|
62% |
| Total Loans ? |
$7.6B
+1.1% YoY
+1.8% QoQ
|
+$443.8M |
$7.1B
+4.5% YoY
|
$510.8M
+1.6% YoY
|
$3.1B
+8.5% YoY
|
69% |
| Total Deposits ? |
$8.3B
+0.9% YoY
-0.9% QoQ
|
-$191.2M |
$8.5B
+3.0% YoY
|
$647.1M
+4.0% YoY
|
$4.7B
+6.3% YoY
|
66% |
| Return on Assets ? |
0.76%
-4.9% YoY
+28.9% QoQ
|
-0.40% |
1.16%
+9.4% YoY
|
1.09%
+11.0% YoY
|
1.12%
+15.6% YoY
|
23% |
| Net Interest Margin ? |
3.71%
+11.1% YoY
+1.7% QoQ
|
+0.31% |
3.40%
+7.9% YoY
|
4.11%
+6.6% YoY
|
3.75%
+7.1% YoY
|
63% |
| Efficiency Ratio ? |
57.18%
-8.7% YoY
-0.9% QoQ
|
+0.58% |
56.60%
-3.2% YoY
|
68.99%
-3.0% YoY
|
65.09%
-5.1% YoY
|
48% |
| Delinquency Rate ? |
1.07%
+6.9% YoY
-9.7% QoQ
|
+0.39% |
0.68%
+12.0% YoY
|
1.20%
-3.6% YoY
|
0.66%
+20.3% YoY
|
22% |
| Loan-to-Deposit Ratio ? |
90.74%
+0.2% YoY
+2.8% QoQ
|
+5.27% |
85.47%
+1.1% YoY
|
76.53%
+1.5% YoY
|
78.04%
+0.7% YoY
|
37% |
| Non-Interest-Bearing Deposit Share ? |
24.21%
+2.5% YoY
-2.6% QoQ
|
+3.57% |
20.64%
-0.3% YoY
|
23.36%
-2.3% YoY
|
21.79%
-1.3% YoY
|
66% |
| Nonperforming Asset Ratio ? |
0.85%
+3.5% YoY
-7.2% QoQ
|
+0.35% |
0.50%
+7.3% YoY
|
0.96%
+1.0% YoY
|
0.48%
+20.8% YoY
|
20% |
| Tier 1 Capital Ratio ? |
12.62%
-5.0% YoY
-2.4% QoQ
|
-0.93% |
13.55%
+1.8% YoY
|
8.68%
-5.6% YoY
|
9.75%
-1.9% YoY
|
43% |
| Non-Interest Income / Assets ? |
0.38%
-2.5% YoY
+32.0% QoQ
|
-0.57% |
0.96%
+7.1% YoY
|
0.55%
-11.7% YoY
|
0.65%
+0.6% YoY
|
22% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Credit Risk Growth
risk
#2 of 87 · Bottom 1% in Mid-Market
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
87 of 87 Mid-Market banks match
·
759 nationally
→ Stable
+24 banks QoQ
Liquidity Strain
risk
#8 of 80 · Bottom 9% in Mid-Market
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
90.74%
(Tier: 85.47%, National: 78.04%)
80 of 80 Mid-Market banks match
·
609 nationally
→ Stable
-4 banks QoQ
Flatlined Growth
risk
#12 of 44 · Bottom 26% in Mid-Market
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
0.76%
(Tier: 1.16%, National: 1.12%)
44 of 44 Mid-Market banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
|
QoQ rank declining
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
69
69th pctile
Total Loans
Current: $7.6B · Tier avg: $7.1B
66
66th pctile
Total Deposits
Current: $8.3B · Tier avg: $8.5B
66
66th pctile
Non-Interest-Bearing Deposit Share
Current: 24.21% · Tier avg: 20.64%
63
63th pctile
Net Interest Margin
Current: 3.71% · Tier avg: 3.40%
62
62th pctile
Total Assets
Current: $9.6B · Tier avg: $10.5B
48
48th pctile
Efficiency Ratio
Current: 57.18% · Tier avg: 56.60%
43
43th pctile
Tier 1 Capital Ratio
Current: 12.62% · Tier avg: 13.55%
37
37th pctile
Loan-to-Deposit Ratio
Current: 90.74% · Tier avg: 85.47%
23
23th pctile
Return on Assets
Current: 0.76% · Tier avg: 1.16%
22
22th pctile
Non-Interest Income / Assets
Current: 0.38% · Tier avg: 0.96%
22
22th pctile
Delinquency Rate
Current: 1.07% · Tier avg: 0.68%
20
20th pctile
Nonperforming Asset Ratio
Current: 0.85% · Tier avg: 0.50%
Top Weaknesses
20
20th pctile
Nonperforming Asset Ratio
Current: 0.85% · Tier avg: 0.50%
22
22th pctile
Delinquency Rate
Current: 1.07% · Tier avg: 0.68%
22
22th pctile
Non-Interest Income / Assets
Current: 0.38% · Tier avg: 0.96%
23
23th pctile
Return on Assets
Current: 0.76% · Tier avg: 1.16%
37
37th pctile
Loan-to-Deposit Ratio
Current: 90.74% · Tier avg: 85.47%
43
43th pctile
Tier 1 Capital Ratio
Current: 12.62% · Tier avg: 13.55%
48
48th pctile
Efficiency Ratio
Current: 57.18% · Tier avg: 56.60%
62
62th pctile
Total Assets
Current: $9.6B · Tier avg: $10.5B
63
63th pctile
Net Interest Margin
Current: 3.71% · Tier avg: 3.40%
66
66th pctile
Non-Interest-Bearing Deposit Share
Current: 24.21% · Tier avg: 20.64%
66
66th pctile
Total Deposits
Current: $8.3B · Tier avg: $8.5B
69
69th pctile
Total Loans
Current: $7.6B · Tier avg: $7.1B