BlastPoint's Banking Scorecard
b1BANK
Mid-Market
Specialty: Commercial
LA
FDIC cert 58228
Baton Rouge, LA
201
banks in Mid-Market tier nationally
2 in LA
View Mid-Market leaderboard (LA) →
b1BANK 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
- - Liquidity Strain: Bottom 16% in Mid-Market
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$8.2B
+4.5% YoY
+3.3% QoQ
|
-$2.2B |
$10.5B
+2.9% YoY
|
$757.6M
+4.2% YoY
|
$5.9B
+6.5% YoY
|
47% |
| Total Loans ? |
$6.1B
+3.5% YoY
+2.9% QoQ
|
-$994.8M |
$7.1B
+4.5% YoY
|
$510.8M
+1.6% YoY
|
$3.1B
+8.5% YoY
|
52% |
| Total Deposits ? |
$6.7B
+2.9% YoY
+3.1% QoQ
|
-$1.8B |
$8.5B
+3.0% YoY
|
$647.1M
+4.0% YoY
|
$4.7B
+6.3% YoY
|
48% |
| Return on Assets ? |
1.23%
+15.7% YoY
+0.2% QoQ
|
+0.06% |
1.16%
+9.4% YoY
|
1.09%
+11.0% YoY
|
1.12%
+15.6% YoY
|
54% |
| Net Interest Margin ? |
3.76%
+4.4% YoY
+0.4% QoQ
|
+0.37% |
3.40%
+7.9% YoY
|
4.11%
+6.6% YoY
|
3.75%
+7.1% YoY
|
67% |
| Efficiency Ratio ? |
58.76%
-4.6% YoY
+0.0% QoQ
|
+2.16% |
56.60%
-3.2% YoY
|
68.99%
-3.0% YoY
|
65.09%
-5.1% YoY
|
40% |
| Delinquency Rate ? |
1.25%
+196.2% YoY
+51.2% QoQ
|
+0.57% |
0.68%
+12.0% YoY
|
1.20%
-3.6% YoY
|
0.66%
+20.3% YoY
|
16% |
| Loan-to-Deposit Ratio ? |
91.38%
+0.6% YoY
-0.2% QoQ
|
+5.91% |
85.47%
+1.1% YoY
|
76.53%
+1.5% YoY
|
78.04%
+0.7% YoY
|
34% |
| Non-Interest-Bearing Deposit Share ? |
19.94%
-4.1% YoY
-5.6% QoQ
|
-0.70% |
20.64%
-0.3% YoY
|
23.36%
-2.3% YoY
|
21.79%
-1.3% YoY
|
41% |
| Nonperforming Asset Ratio ? |
1.09%
+181.2% YoY
+31.5% QoQ
|
+0.59% |
0.50%
+7.3% YoY
|
0.96%
+1.0% YoY
|
0.48%
+20.8% YoY
|
Bottom 11% in tier |
| Tier 1 Capital Ratio ? |
12.02%
+3.6% YoY
-2.1% QoQ
|
-1.53% |
13.55%
+1.8% YoY
|
8.68%
-5.6% YoY
|
9.75%
-1.9% YoY
|
33% |
| Non-Interest Income / Assets ? |
0.64%
+10.2% YoY
+26.5% QoQ
|
-0.32% |
0.96%
+7.1% YoY
|
0.55%
-11.7% YoY
|
0.65%
+0.6% YoY
|
43% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Liquidity Strain
risk
#14 of 80 · Bottom 16% in Mid-Market
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
91.38%
(Tier: 85.47%, National: 78.04%)
80 of 80 Mid-Market banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
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
67
67th pctile
Net Interest Margin
Current: 3.76% · Tier avg: 3.40%
54
54th pctile
Return on Assets
Current: 1.23% · Tier avg: 1.16%
52
52th pctile
Total Loans
Current: $6.1B · Tier avg: $7.1B
48
48th pctile
Total Deposits
Current: $6.7B · Tier avg: $8.5B
47
47th pctile
Total Assets
Current: $8.2B · Tier avg: $10.5B
43
43th pctile
Non-Interest Income / Assets
Current: 0.64% · Tier avg: 0.96%
41
41th pctile
Non-Interest-Bearing Deposit Share
Current: 19.94% · Tier avg: 20.64%
40
40th pctile
Efficiency Ratio
Current: 58.76% · Tier avg: 56.60%
34
34th pctile
Loan-to-Deposit Ratio
Current: 91.38% · Tier avg: 85.47%
33
33th pctile
Tier 1 Capital Ratio
Current: 12.02% · Tier avg: 13.55%
16
16th pctile
Delinquency Rate
Current: 1.25% · Tier avg: 0.68%
11
11th pctile
Nonperforming Asset Ratio
Current: 1.09% · Tier avg: 0.50%
Top Weaknesses
11
11th pctile
Nonperforming Asset Ratio
Current: 1.09% · Tier avg: 0.50%
16
16th pctile
Delinquency Rate
Current: 1.25% · Tier avg: 0.68%
33
33th pctile
Tier 1 Capital Ratio
Current: 12.02% · Tier avg: 13.55%
34
34th pctile
Loan-to-Deposit Ratio
Current: 91.38% · Tier avg: 85.47%
40
40th pctile
Efficiency Ratio
Current: 58.76% · Tier avg: 56.60%
41
41th pctile
Non-Interest-Bearing Deposit Share
Current: 19.94% · Tier avg: 20.64%
43
43th pctile
Non-Interest Income / Assets
Current: 0.64% · Tier avg: 0.96%
47
47th pctile
Total Assets
Current: $8.2B · Tier avg: $10.5B
48
48th pctile
Total Deposits
Current: $6.7B · Tier avg: $8.5B
52
52th pctile
Total Loans
Current: $6.1B · Tier avg: $7.1B
54
54th pctile
Return on Assets
Current: 1.23% · Tier avg: 1.16%
67
67th pctile
Net Interest Margin
Current: 3.76% · Tier avg: 3.40%