BlastPoint's Banking Scorecard
Community First Bank
Community
Specialty: Commercial
LA
FDIC cert 35020
New Iberia, LA
1484
banks in Community tier nationally
37 in LA
View Community leaderboard (LA) →
Community First Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 50% in Community
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 6% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$742.3M
+11.4% YoY
+2.7% QoQ
|
-$649.1M |
$1.4B
+2.0% YoY
|
$757.6M
+4.2% YoY
|
$5.9B
+6.5% YoY
|
31% |
| Total Loans ? |
$530.6M
+2.4% YoY
+0.8% QoQ
|
-$444.9M |
$975.5M
+2.4% YoY
|
$510.8M
+1.6% YoY
|
$3.1B
+8.5% YoY
|
35% |
| Total Deposits ? |
$671.7M
+10.9% YoY
+2.9% QoQ
|
-$492.9M |
$1.2B
+1.7% YoY
|
$647.1M
+4.0% YoY
|
$4.7B
+6.3% YoY
|
36% |
| Return on Assets ? |
1.84%
+12.6% YoY
+0.4% QoQ
|
+0.68% |
1.16%
+17.2% YoY
|
1.09%
+11.0% YoY
|
1.12%
+15.6% YoY
|
Top 13% in tier |
| Net Interest Margin ? |
4.41%
+3.8% YoY
+0.2% QoQ
|
+0.75% |
3.66%
+9.1% YoY
|
4.11%
+6.6% YoY
|
3.75%
+7.1% YoY
|
85% |
| Efficiency Ratio ? |
58.57%
-6.3% YoY
-1.2% QoQ
|
-4.06% |
62.63%
-5.3% YoY
|
68.99%
-3.0% YoY
|
65.09%
-5.1% YoY
|
62% |
| Delinquency Rate ? |
0.34%
+35.5% YoY
+32.2% QoQ
|
-0.29% |
0.63%
+18.3% YoY
|
1.20%
-3.6% YoY
|
0.66%
+20.3% YoY
|
58% |
| Loan-to-Deposit Ratio ? |
78.99%
-7.7% YoY
-2.0% QoQ
|
-4.08% |
83.06%
+0.3% YoY
|
76.53%
+1.5% YoY
|
78.04%
+0.7% YoY
|
64% |
| Non-Interest-Bearing Deposit Share ? |
23.96%
-7.3% YoY
-7.4% QoQ
|
+2.92% |
21.05%
-0.9% YoY
|
23.36%
-2.3% YoY
|
21.79%
-1.3% YoY
|
66% |
| Nonperforming Asset Ratio ? |
0.25%
+21.2% YoY
+9.4% QoQ
|
-0.25% |
0.50%
+20.3% YoY
|
0.96%
+1.0% YoY
|
0.48%
+20.8% YoY
|
60% |
| Tier 1 Capital Ratio ? |
13.94%
+5.9% YoY
-1.1% QoQ
|
+3.69% |
10.24%
-0.6% YoY
|
8.68%
-5.6% YoY
|
9.75%
-1.9% YoY
|
67% |
| Non-Interest Income / Assets ? |
0.42%
-18.5% YoY
+32.7% QoQ
|
-0.32% |
0.74%
-1.3% YoY
|
0.55%
-11.7% YoY
|
0.65%
+0.6% YoY
|
38% |
Signature Analysis
Strengths (1)
Profitability Leader
growth
#185 of 371 · Top 50% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.84%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank declining
Concerns (1)
Credit Risk Growth
risk
#37 of 642 · Bottom 6% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
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
87
87th pctile
Return on Assets
Current: 1.84% · Tier avg: 1.16%
85
85th pctile
Net Interest Margin
Current: 4.41% · Tier avg: 3.66%
67
67th pctile
Tier 1 Capital Ratio
Current: 13.94% · Tier avg: 10.24%
66
66th pctile
Non-Interest-Bearing Deposit Share
Current: 23.96% · Tier avg: 21.05%
64
64th pctile
Loan-to-Deposit Ratio
Current: 78.99% · Tier avg: 83.06%
62
62th pctile
Efficiency Ratio
Current: 58.57% · Tier avg: 62.63%
60
60th pctile
Nonperforming Asset Ratio
Current: 0.25% · Tier avg: 0.50%
58
58th pctile
Delinquency Rate
Current: 0.34% · Tier avg: 0.63%
38
38th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.74%
36
36th pctile
Total Deposits
Current: $671.7M · Tier avg: $1.2B
35
35th pctile
Total Loans
Current: $530.6M · Tier avg: $975.5M
31
31th pctile
Total Assets
Current: $742.3M · Tier avg: $1.4B
Top Weaknesses
31
31th pctile
Total Assets
Current: $742.3M · Tier avg: $1.4B
35
35th pctile
Total Loans
Current: $530.6M · Tier avg: $975.5M
36
36th pctile
Total Deposits
Current: $671.7M · Tier avg: $1.2B
38
38th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.74%
58
58th pctile
Delinquency Rate
Current: 0.34% · Tier avg: 0.63%
60
60th pctile
Nonperforming Asset Ratio
Current: 0.25% · Tier avg: 0.50%
62
62th pctile
Efficiency Ratio
Current: 58.57% · Tier avg: 62.63%
64
64th pctile
Loan-to-Deposit Ratio
Current: 78.99% · Tier avg: 83.06%
66
66th pctile
Non-Interest-Bearing Deposit Share
Current: 23.96% · Tier avg: 21.05%
67
67th pctile
Tier 1 Capital Ratio
Current: 13.94% · Tier avg: 10.24%
85
85th pctile
Net Interest Margin
Current: 4.41% · Tier avg: 3.66%
87
87th pctile
Return on Assets
Current: 1.84% · Tier avg: 1.16%