BlastPoint's Banking Scorecard
Crescent Bank
Community
Specialty: Consumer
LA
FDIC cert 33492
Metairie, LA
1484
banks in Community tier nationally
37 in LA
View Community leaderboard (LA) →
Crescent Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 9.72% above tier
- + Efficiency Ratio 16.07% below tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 3.58% above tier
- - Non-Interest-Bearing Deposit Share 16.95% below tier
- - Nonperforming Asset Ratio 2.56% above tier
- - Non-Interest Income / Assets 0.67% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$971.2M
-13.4% YoY
-3.0% QoQ
|
-$420.3M |
$1.4B
+2.0% YoY
|
$757.6M
+4.2% YoY
|
$5.9B
+6.5% YoY
|
48% |
| Total Loans ? |
$706.6M
-20.9% YoY
-5.7% QoQ
|
-$268.9M |
$975.5M
+2.4% YoY
|
$510.8M
+1.6% YoY
|
$3.1B
+8.5% YoY
|
50% |
| Total Deposits ? |
$845.0M
-15.9% YoY
-3.0% QoQ
|
-$319.6M |
$1.2B
+1.7% YoY
|
$647.1M
+4.0% YoY
|
$4.7B
+6.3% YoY
|
50% |
| Return on Assets ? |
1.25%
+628.2% YoY
-26.1% QoQ
|
+0.09% |
1.16%
+17.2% YoY
|
1.09%
+11.0% YoY
|
1.12%
+15.6% YoY
|
60% |
| Net Interest Margin ? |
13.38%
-4.1% YoY
-3.0% QoQ
|
+9.72% |
3.66%
+9.1% YoY
|
4.11%
+6.6% YoY
|
3.75%
+7.1% YoY
|
Top 1% in tier |
| Efficiency Ratio ? |
46.56%
+2.7% YoY
-1.2% QoQ
|
-16.07% |
62.63%
-5.3% YoY
|
68.99%
-3.0% YoY
|
65.09%
-5.1% YoY
|
Top 10% in tier |
| Delinquency Rate ? |
4.20%
+11.6% YoY
+12.7% QoQ
|
+3.58% |
0.63%
+18.3% YoY
|
1.20%
-3.6% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
83.62%
-5.9% YoY
-2.8% QoQ
|
+0.56% |
83.06%
+0.3% YoY
|
76.53%
+1.5% YoY
|
78.04%
+0.7% YoY
|
54% |
| Non-Interest-Bearing Deposit Share ? |
4.09%
+157.1% YoY
+50.7% QoQ
|
-16.95% |
21.05%
-0.9% YoY
|
23.36%
-2.3% YoY
|
21.79%
-1.3% YoY
|
Bottom 3% in tier |
| Nonperforming Asset Ratio ? |
3.06%
+1.9% YoY
+9.5% QoQ
|
+2.56% |
0.50%
+20.3% YoY
|
0.96%
+1.0% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
15.49%
+25.4% YoY
+3.8% QoQ
|
+5.25% |
10.24%
-0.6% YoY
|
8.68%
-5.6% YoY
|
9.75%
-1.9% YoY
|
80% |
| Non-Interest Income / Assets ? |
0.07%
-49.6% YoY
+62.2% QoQ
|
-0.67% |
0.74%
-1.3% YoY
|
0.55%
-11.7% YoY
|
0.65%
+0.6% YoY
|
Bottom 2% in tier |
Signature Analysis
Strengths (2)
Net Interest Margin
metric
Top 1%
in Community
Why this stands out
Current:
13.38%
(Tier avg: 3.66%, National avg: 3.75%)
Efficiency Ratio
metric
Top 10%
in Community
Why this stands out
Current:
46.56%
(Tier avg: 62.63%, National avg: 65.09%)
Concerns (4)
Delinquency Rate
metric
Bottom 1%
in Community
Why this stands out
Current:
4.20%
(Tier avg: 0.63%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Bottom 3%
in Community
Why this stands out
Current:
4.09%
(Tier avg: 21.05%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Community
Why this stands out
Current:
3.06%
(Tier avg: 0.50%, National avg: 0.48%)
Non-Interest Income / Assets
metric
Bottom 2%
in Community
Why this stands out
Current:
0.07%
(Tier avg: 0.74%, National avg: 0.65%)
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
Net Interest Margin
Current: 13.38% · Tier avg: 3.66%
90
90th pctile
Efficiency Ratio
Current: 46.56% · Tier avg: 62.63%
80
80th pctile
Tier 1 Capital Ratio
Current: 15.49% · Tier avg: 10.24%
60
60th pctile
Return on Assets
Current: 1.25% · Tier avg: 1.16%
54
54th pctile
Loan-to-Deposit Ratio
Current: 83.62% · Tier avg: 83.06%
50
50th pctile
Total Loans
Current: $706.6M · Tier avg: $975.5M
50
50th pctile
Total Deposits
Current: $845.0M · Tier avg: $1.2B
48
48th pctile
Total Assets
Current: $971.2M · Tier avg: $1.4B
3
3th pctile
Non-Interest-Bearing Deposit Share
Current: 4.09% · Tier avg: 21.05%
2
2th pctile
Non-Interest Income / Assets
Current: 0.07% · Tier avg: 0.74%
0
0th pctile
Delinquency Rate
Current: 4.20% · Tier avg: 0.63%
0
0th pctile
Nonperforming Asset Ratio
Current: 3.06% · Tier avg: 0.50%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 3.06% · Tier avg: 0.50%
0
0th pctile
Delinquency Rate
Current: 4.20% · Tier avg: 0.63%
2
2th pctile
Non-Interest Income / Assets
Current: 0.07% · Tier avg: 0.74%
3
3th pctile
Non-Interest-Bearing Deposit Share
Current: 4.09% · Tier avg: 21.05%
48
48th pctile
Total Assets
Current: $971.2M · Tier avg: $1.4B
50
50th pctile
Total Deposits
Current: $845.0M · Tier avg: $1.2B
50
50th pctile
Total Loans
Current: $706.6M · Tier avg: $975.5M
54
54th pctile
Loan-to-Deposit Ratio
Current: 83.62% · Tier avg: 83.06%
60
60th pctile
Return on Assets
Current: 1.25% · Tier avg: 1.16%
80
80th pctile
Tier 1 Capital Ratio
Current: 15.49% · Tier avg: 10.24%
90
90th pctile
Efficiency Ratio
Current: 46.56% · Tier avg: 62.63%
100
100th pctile
Net Interest Margin
Current: 13.38% · Tier avg: 3.66%