BlastPoint's Banking Scorecard
BankPlus
Mid-Market
Specialty: Commercial
MS
FDIC cert 5903
Belzoni, MS
201
banks in Mid-Market tier nationally
3 in MS
View Mid-Market leaderboard (MS) →
BankPlus faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 8% in Mid-Market
- - Credit Risk Growth: Bottom 9% in Mid-Market
- - Credit Quality Pressure: Bottom 25% in Mid-Market
- - NIB Deposit Bleed: Bottom 75% in Mid-Market
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$8.1B
+1.9% YoY
+2.0% QoQ
|
-$2.4B |
$10.5B
+2.9% YoY
|
$2.2B
+10.7% YoY
|
$5.9B
+6.5% YoY
|
46% |
| Total Loans ? |
$6.2B
+2.6% YoY
+1.4% QoQ
|
-$901.2M |
$7.1B
+4.5% YoY
|
$1.5B
+12.2% YoY
|
$3.1B
+8.5% YoY
|
53% |
| Total Deposits ? |
$7.0B
+2.6% YoY
+2.3% QoQ
|
-$1.5B |
$8.5B
+3.0% YoY
|
$1.9B
+9.4% YoY
|
$4.7B
+6.3% YoY
|
51% |
| Return on Assets ? |
1.14%
+21.6% YoY
-0.2% QoQ
|
-0.03% |
1.16%
+9.4% YoY
|
1.01%
-3.5% YoY
|
1.12%
+15.6% YoY
|
47% |
| Net Interest Margin ? |
3.73%
+10.9% YoY
+1.6% QoQ
|
+0.34% |
3.40%
+7.9% YoY
|
3.89%
+5.4% YoY
|
3.75%
+7.1% YoY
|
65% |
| Efficiency Ratio ? |
63.80%
-7.3% YoY
+1.5% QoQ
|
+7.20% |
56.60%
-3.2% YoY
|
68.70%
-1.6% YoY
|
65.09%
-5.1% YoY
|
26% |
| Delinquency Rate ? |
0.45%
+16.4% YoY
-7.7% QoQ
|
-0.23% |
0.68%
+12.0% YoY
|
0.98%
+32.9% YoY
|
0.66%
+20.3% YoY
|
63% |
| Loan-to-Deposit Ratio ? |
88.89%
-0.0% YoY
-0.9% QoQ
|
+3.42% |
85.47%
+1.1% YoY
|
71.82%
+2.7% YoY
|
78.04%
+0.7% YoY
|
56% |
| Non-Interest-Bearing Deposit Share ? |
18.32%
-11.2% YoY
-8.1% QoQ
|
-2.32% |
20.64%
-0.3% YoY
|
23.43%
+1.6% YoY
|
21.79%
-1.3% YoY
|
35% |
| Nonperforming Asset Ratio ? |
0.41%
+3.8% YoY
-11.7% QoQ
|
-0.09% |
0.50%
+7.3% YoY
|
0.61%
+16.2% YoY
|
0.48%
+20.8% YoY
|
51% |
| Tier 1 Capital Ratio ? | 0.00% | -13.55% |
13.55%
+1.8% YoY
|
6.62%
-3.2% YoY
|
9.75%
-1.9% YoY
|
Bottom 1% in tier |
| Non-Interest Income / Assets ? |
0.98%
+4.7% YoY
+29.1% QoQ
|
+0.02% |
0.96%
+7.1% YoY
|
0.73%
-13.2% YoY
|
0.65%
+0.6% YoY
|
76% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Capital Thin
risk
#5 of 51 · Bottom 8% in Mid-Market
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 13.55%, National: 9.75%)
51 of 51 Mid-Market banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank declining
Credit Risk Growth
risk
#9 of 87 · Bottom 9% in Mid-Market
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
87 of 87 Mid-Market banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank declining
Credit Quality Pressure
risk
#29 of 113 · Bottom 25% in Mid-Market
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.45%
(Tier: 0.68%, National: 0.66%)
113 of 113 Mid-Market banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank improving
NIB Deposit Bleed
decline
#7 of 9 · Bottom 75% in Mid-Market
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:
18.32%
(Tier: 20.64%, National: 21.79%)
9 of 9 Mid-Market banks match
·
98 nationally
→ Stable
-10 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
76
76th pctile
Non-Interest Income / Assets
Current: 0.98% · Tier avg: 0.96%
65
65th pctile
Net Interest Margin
Current: 3.73% · Tier avg: 3.40%
63
63th pctile
Delinquency Rate
Current: 0.45% · Tier avg: 0.68%
56
56th pctile
Loan-to-Deposit Ratio
Current: 88.89% · Tier avg: 85.47%
53
53th pctile
Total Loans
Current: $6.2B · Tier avg: $7.1B
51
51th pctile
Total Deposits
Current: $7.0B · Tier avg: $8.5B
51
51th pctile
Nonperforming Asset Ratio
Current: 0.41% · Tier avg: 0.50%
47
47th pctile
Return on Assets
Current: 1.14% · Tier avg: 1.16%
46
46th pctile
Total Assets
Current: $8.1B · Tier avg: $10.5B
35
35th pctile
Non-Interest-Bearing Deposit Share
Current: 18.32% · Tier avg: 20.64%
26
26th pctile
Efficiency Ratio
Current: 63.80% · Tier avg: 56.60%
0
0th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 13.55%
Top Weaknesses
0
0th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 13.55%
26
26th pctile
Efficiency Ratio
Current: 63.80% · Tier avg: 56.60%
35
35th pctile
Non-Interest-Bearing Deposit Share
Current: 18.32% · Tier avg: 20.64%
46
46th pctile
Total Assets
Current: $8.1B · Tier avg: $10.5B
47
47th pctile
Return on Assets
Current: 1.14% · Tier avg: 1.16%
51
51th pctile
Nonperforming Asset Ratio
Current: 0.41% · Tier avg: 0.50%
51
51th pctile
Total Deposits
Current: $7.0B · Tier avg: $8.5B
53
53th pctile
Total Loans
Current: $6.2B · Tier avg: $7.1B
56
56th pctile
Loan-to-Deposit Ratio
Current: 88.89% · Tier avg: 85.47%
63
63th pctile
Delinquency Rate
Current: 0.45% · Tier avg: 0.68%
65
65th pctile
Net Interest Margin
Current: 3.73% · Tier avg: 3.40%
76
76th pctile
Non-Interest Income / Assets
Current: 0.98% · Tier avg: 0.96%