BlastPoint's Banking Scorecard
Catalyst Bank
Micro
Specialty: Commercial
LA
FDIC cert 29804
Designations: ✓ Community bank
Opelousas, LA
2498
banks in Micro tier nationally
66 in LA
View Micro leaderboard (LA) →
Catalyst Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 33.60% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$279.6M
+2.3% YoY
-0.3% QoQ
|
+$62.2M |
$217.5M
+2.3% YoY
|
$757.6M
+4.2% YoY
|
$5.9B
+6.5% YoY
|
68% |
| Total Loans ? |
$167.8M
+2.0% YoY
+3.4% QoQ
|
+$28.7M |
$139.2M
+2.8% YoY
|
$510.8M
+1.6% YoY
|
$3.1B
+8.5% YoY
|
66% |
| Total Deposits ? |
$190.7M
+1.2% YoY
-0.9% QoQ
|
+$7.1M |
$183.7M
+1.8% YoY
|
$647.1M
+4.0% YoY
|
$4.7B
+6.3% YoY
|
57% |
| Return on Assets ? |
0.80%
+183.0% YoY
-3.9% QoQ
|
-0.28% |
1.08%
+14.7% YoY
|
1.09%
+11.0% YoY
|
1.12%
+15.6% YoY
|
33% |
| Net Interest Margin ? |
3.95%
+3.3% YoY
+0.3% QoQ
|
+0.10% |
3.85%
+6.6% YoY
|
4.11%
+6.6% YoY
|
3.75%
+7.1% YoY
|
56% |
| Efficiency Ratio ? |
75.35%
-5.5% YoY
+0.1% QoQ
|
+7.63% |
67.73%
-4.8% YoY
|
68.99%
-3.0% YoY
|
65.09%
-5.1% YoY
|
28% |
| Delinquency Rate ? |
1.57%
+58.9% YoY
+40.3% QoQ
|
+0.93% |
0.64%
+24.4% YoY
|
1.20%
-3.6% YoY
|
0.66%
+20.3% YoY
|
18% |
| Loan-to-Deposit Ratio ? |
88.01%
+0.8% YoY
+4.4% QoQ
|
+13.48% |
74.53%
+0.5% YoY
|
76.53%
+1.5% YoY
|
78.04%
+0.7% YoY
|
73% |
| Non-Interest-Bearing Deposit Share ? |
18.58%
+12.9% YoY
+5.9% QoQ
|
-3.82% |
22.39%
-1.3% YoY
|
23.36%
-2.3% YoY
|
21.79%
-1.3% YoY
|
36% |
| Nonperforming Asset Ratio ? |
0.96%
+43.3% YoY
+41.4% QoQ
|
+0.50% |
0.45%
+25.1% YoY
|
0.96%
+1.0% YoY
|
0.48%
+20.8% YoY
|
21% |
| Tier 1 Capital Ratio ? |
42.45%
-7.3% YoY
-3.4% QoQ
|
+33.60% |
8.85%
-3.4% YoY
|
8.68%
-5.6% YoY
|
9.75%
-1.9% YoY
|
Top 1% in tier |
| Non-Interest Income / Assets ? |
0.52%
-14.8% YoY
+31.9% QoQ
|
-0.04% |
0.56%
+0.3% YoY
|
0.55%
-11.7% YoY
|
0.65%
+0.6% YoY
|
71% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
42.45%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (0)
No concerns identified
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
100
100th pctile
Tier 1 Capital Ratio
Current: 42.45% · Tier avg: 8.85%
73
73th pctile
Loan-to-Deposit Ratio
Current: 88.01% · Tier avg: 74.53%
71
71th pctile
Non-Interest Income / Assets
Current: 0.52% · Tier avg: 0.56%
68
68th pctile
Total Assets
Current: $279.6M · Tier avg: $217.5M
66
66th pctile
Total Loans
Current: $167.8M · Tier avg: $139.2M
57
57th pctile
Total Deposits
Current: $190.7M · Tier avg: $183.7M
56
56th pctile
Net Interest Margin
Current: 3.95% · Tier avg: 3.85%
36
36th pctile
Non-Interest-Bearing Deposit Share
Current: 18.58% · Tier avg: 22.39%
33
33th pctile
Return on Assets
Current: 0.80% · Tier avg: 1.08%
28
28th pctile
Efficiency Ratio
Current: 75.35% · Tier avg: 67.73%
21
21th pctile
Nonperforming Asset Ratio
Current: 0.96% · Tier avg: 0.45%
18
18th pctile
Delinquency Rate
Current: 1.57% · Tier avg: 0.64%
Top Weaknesses
18
18th pctile
Delinquency Rate
Current: 1.57% · Tier avg: 0.64%
21
21th pctile
Nonperforming Asset Ratio
Current: 0.96% · Tier avg: 0.45%
28
28th pctile
Efficiency Ratio
Current: 75.35% · Tier avg: 67.73%
33
33th pctile
Return on Assets
Current: 0.80% · Tier avg: 1.08%
36
36th pctile
Non-Interest-Bearing Deposit Share
Current: 18.58% · Tier avg: 22.39%
56
56th pctile
Net Interest Margin
Current: 3.95% · Tier avg: 3.85%
57
57th pctile
Total Deposits
Current: $190.7M · Tier avg: $183.7M
66
66th pctile
Total Loans
Current: $167.8M · Tier avg: $139.2M
68
68th pctile
Total Assets
Current: $279.6M · Tier avg: $217.5M
71
71th pctile
Non-Interest Income / Assets
Current: 0.52% · Tier avg: 0.56%
73
73th pctile
Loan-to-Deposit Ratio
Current: 88.01% · Tier avg: 74.53%
100
100th pctile
Tier 1 Capital Ratio
Current: 42.45% · Tier avg: 8.85%