BlastPoint's Banking Scorecard
Commercial Capital Bank
Community
Specialty: Agricultural
LA
FDIC cert 34784
Delhi, LA
1484
banks in Community tier nationally
37 in LA
View Community leaderboard (LA) →
Commercial Capital 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
- - NIB Deposit Bleed: Bottom 2% in Community
- - Delinquency Rate 1.87% above tier
- - Nonperforming Asset Ratio 2.17% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$556.4M
+47.1% YoY
+6.0% QoQ
|
-$835.1M |
$1.4B
+2.0% YoY
|
$757.6M
+4.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 8% in tier |
| Total Loans ? |
$414.3M
+49.9% YoY
+2.5% QoQ
|
-$561.2M |
$975.5M
+2.4% YoY
|
$510.8M
+1.6% YoY
|
$3.1B
+8.5% YoY
|
17% |
| Total Deposits ? |
$432.9M
+41.6% YoY
+2.7% QoQ
|
-$731.7M |
$1.2B
+1.7% YoY
|
$647.1M
+4.0% YoY
|
$4.7B
+6.3% YoY
|
Bottom 3% in tier |
| Return on Assets ? |
1.90%
-21.9% YoY
-3.1% QoQ
|
+0.74% |
1.16%
+17.2% YoY
|
1.09%
+11.0% YoY
|
1.12%
+15.6% YoY
|
Top 11% in tier |
| Net Interest Margin ? |
4.61%
-14.5% YoY
-3.4% QoQ
|
+0.94% |
3.66%
+9.1% YoY
|
4.11%
+6.6% YoY
|
3.75%
+7.1% YoY
|
Top 11% in tier |
| Efficiency Ratio ? |
50.93%
-6.0% YoY
+0.7% QoQ
|
-11.70% |
62.63%
-5.3% YoY
|
68.99%
-3.0% YoY
|
65.09%
-5.1% YoY
|
82% |
| Delinquency Rate ? |
2.50%
-10.6% YoY
-1.4% QoQ
|
+1.87% |
0.63%
+18.3% YoY
|
1.20%
-3.6% YoY
|
0.66%
+20.3% YoY
|
Bottom 7% in tier |
| Loan-to-Deposit Ratio ? |
95.70%
+5.9% YoY
-0.2% QoQ
|
+12.63% |
83.06%
+0.3% YoY
|
76.53%
+1.5% YoY
|
78.04%
+0.7% YoY
|
78% |
| Non-Interest-Bearing Deposit Share ? |
11.48%
-33.6% YoY
-9.9% QoQ
|
-9.57% |
21.05%
-0.9% YoY
|
23.36%
-2.3% YoY
|
21.79%
-1.3% YoY
|
Bottom 14% in tier |
| Nonperforming Asset Ratio ? |
2.66%
+29.3% YoY
+6.0% QoQ
|
+2.17% |
0.50%
+20.3% YoY
|
0.96%
+1.0% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
8.68%
-5.6% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.39%
-33.6% YoY
+24.7% QoQ
|
-0.35% |
0.74%
-1.3% YoY
|
0.55%
-11.7% YoY
|
0.65%
+0.6% YoY
|
33% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
NIB Deposit Bleed
decline
#3 of 89 · Bottom 2% in Community
Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Why this signature
Noninterest-Bearing Deposit Share:
11.48%
(Tier: 21.05%, National: 21.79%)
89 of 89 Community banks match
·
98 nationally
→ Stable
-10 banks QoQ
|
QoQ rank improving
Delinquency Rate
metric
Bottom 7%
in Community
Why this stands out
Current:
2.50%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Community
Why this stands out
Current:
2.66%
(Tier avg: 0.50%, 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
89
89th pctile
Net Interest Margin
Current: 4.61% · Tier avg: 3.66%
89
89th pctile
Return on Assets
Current: 1.90% · Tier avg: 1.16%
82
82th pctile
Efficiency Ratio
Current: 50.93% · Tier avg: 62.63%
78
78th pctile
Loan-to-Deposit Ratio
Current: 95.70% · Tier avg: 83.06%
33
33th pctile
Non-Interest Income / Assets
Current: 0.39% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
17
17th pctile
Total Loans
Current: $414.3M · Tier avg: $975.5M
14
14th pctile
Non-Interest-Bearing Deposit Share
Current: 11.48% · Tier avg: 21.05%
8
8th pctile
Total Assets
Current: $556.4M · Tier avg: $1.4B
7
7th pctile
Delinquency Rate
Current: 2.50% · Tier avg: 0.63%
3
3th pctile
Total Deposits
Current: $432.9M · Tier avg: $1.2B
0
0th pctile
Nonperforming Asset Ratio
Current: 2.66% · Tier avg: 0.50%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 2.66% · Tier avg: 0.50%
3
3th pctile
Total Deposits
Current: $432.9M · Tier avg: $1.2B
7
7th pctile
Delinquency Rate
Current: 2.50% · Tier avg: 0.63%
8
8th pctile
Total Assets
Current: $556.4M · Tier avg: $1.4B
14
14th pctile
Non-Interest-Bearing Deposit Share
Current: 11.48% · Tier avg: 21.05%
17
17th pctile
Total Loans
Current: $414.3M · Tier avg: $975.5M
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
33
33th pctile
Non-Interest Income / Assets
Current: 0.39% · Tier avg: 0.74%
78
78th pctile
Loan-to-Deposit Ratio
Current: 95.70% · Tier avg: 83.06%
82
82th pctile
Efficiency Ratio
Current: 50.93% · Tier avg: 62.63%
89
89th pctile
Return on Assets
Current: 1.90% · Tier avg: 1.16%
89
89th pctile
Net Interest Margin
Current: 4.61% · Tier avg: 3.66%