BlastPoint's Banking Scorecard
The Bank of Commerce
Micro
Specialty: Commercial
LA
FDIC cert 1374
Designations: ✓ Community bank
White Castle, LA
2498
banks in Micro tier nationally
66 in LA
View Micro leaderboard (LA) →
The Bank of Commerce faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 28.54% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$90.2M
+5.7% YoY
+16.8% QoQ
|
-$127.3M |
$217.5M
+2.3% YoY
|
$757.6M
+4.2% YoY
|
$5.9B
+6.5% YoY
|
20% |
| Total Loans ? |
$37.6M
+2.6% YoY
-15.2% QoQ
|
-$101.6M |
$139.2M
+2.8% YoY
|
$510.8M
+1.6% YoY
|
$3.1B
+8.5% YoY
|
Bottom 14% in tier |
| Total Deposits ? |
$81.7M
+5.3% YoY
+18.7% QoQ
|
-$101.9M |
$183.7M
+1.8% YoY
|
$647.1M
+4.0% YoY
|
$4.7B
+6.3% YoY
|
22% |
| Return on Assets ? |
0.97%
+23.0% YoY
-1.9% QoQ
|
-0.11% |
1.08%
+14.7% YoY
|
1.09%
+11.0% YoY
|
1.12%
+15.6% YoY
|
44% |
| Net Interest Margin ? |
3.73%
+2.0% YoY
-2.8% QoQ
|
-0.12% |
3.85%
+6.6% YoY
|
4.11%
+6.6% YoY
|
3.75%
+7.1% YoY
|
46% |
| Efficiency Ratio ? |
73.44%
-5.9% YoY
-0.2% QoQ
|
+5.71% |
67.73%
-4.8% YoY
|
68.99%
-3.0% YoY
|
65.09%
-5.1% YoY
|
32% |
| Delinquency Rate ? | 0.21% | -0.43% |
0.64%
+24.4% YoY
|
1.20%
-3.6% YoY
|
0.66%
+20.3% YoY
|
61% |
| Loan-to-Deposit Ratio ? |
45.99%
-2.6% YoY
-28.6% QoQ
|
-28.54% |
74.53%
+0.5% YoY
|
76.53%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Bottom 10% in tier |
| Non-Interest-Bearing Deposit Share ? |
32.88%
-5.5% YoY
+1.6% QoQ
|
+10.49% |
22.39%
-1.3% YoY
|
23.36%
-2.3% YoY
|
21.79%
-1.3% YoY
|
85% |
| Nonperforming Asset Ratio ? | 0.09% | -0.37% |
0.45%
+25.1% YoY
|
0.96%
+1.0% YoY
|
0.48%
+20.8% YoY
|
69% |
| 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 ? |
0.16%
-15.0% YoY
+12.6% QoQ
|
-0.40% |
0.56%
+0.3% YoY
|
0.55%
-11.7% YoY
|
0.65%
+0.6% YoY
|
16% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 10%
in Micro
Why this stands out
Current:
45.99%
(Tier avg: 74.53%, National avg: 78.04%)
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
85
85th pctile
Non-Interest-Bearing Deposit Share
Current: 32.88% · Tier avg: 22.39%
69
69th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.45%
61
61th pctile
Delinquency Rate
Current: 0.21% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
46
46th pctile
Net Interest Margin
Current: 3.73% · Tier avg: 3.85%
44
44th pctile
Return on Assets
Current: 0.97% · Tier avg: 1.08%
32
32th pctile
Efficiency Ratio
Current: 73.44% · Tier avg: 67.73%
22
22th pctile
Total Deposits
Current: $81.7M · Tier avg: $183.7M
20
20th pctile
Total Assets
Current: $90.2M · Tier avg: $217.5M
16
16th pctile
Non-Interest Income / Assets
Current: 0.16% · Tier avg: 0.56%
14
14th pctile
Total Loans
Current: $37.6M · Tier avg: $139.2M
10
10th pctile
Loan-to-Deposit Ratio
Current: 45.99% · Tier avg: 74.53%
Top Weaknesses
10
10th pctile
Loan-to-Deposit Ratio
Current: 45.99% · Tier avg: 74.53%
14
14th pctile
Total Loans
Current: $37.6M · Tier avg: $139.2M
16
16th pctile
Non-Interest Income / Assets
Current: 0.16% · Tier avg: 0.56%
20
20th pctile
Total Assets
Current: $90.2M · Tier avg: $217.5M
22
22th pctile
Total Deposits
Current: $81.7M · Tier avg: $183.7M
32
32th pctile
Efficiency Ratio
Current: 73.44% · Tier avg: 67.73%
44
44th pctile
Return on Assets
Current: 0.97% · Tier avg: 1.08%
46
46th pctile
Net Interest Margin
Current: 3.73% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
61
61th pctile
Delinquency Rate
Current: 0.21% · Tier avg: 0.64%
69
69th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.45%
85
85th pctile
Non-Interest-Bearing Deposit Share
Current: 32.88% · Tier avg: 22.39%