BlastPoint's Banking Scorecard

Cottonport Bank

Community Specialty: Commercial LA FDIC cert 8798

Cottonport, LA

1484 banks in Community tier nationally 37 in LA

View Community leaderboard (LA) →

Cottonport Bank shows strong momentum with 1 strength and 6.9% YoY asset growth

Key Strengths

Areas where this bank excels compared to peers

+ Deposit Franchise: Top 47% in Community

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Cottonport Bank releases new data →

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Total Assets ?	$564.3M +6.9% YoY +1.1% QoQ	-$827.1M	$1.4B +2.0% YoY	$757.6M +4.2% YoY	$5.9B +6.5% YoY	Bottom 10% in tier
Total Loans ?	$359.5M +10.2% YoY +2.3% QoQ	-$616.0M	$975.5M +2.4% YoY	$510.8M +1.6% YoY	$3.1B +8.5% YoY	Bottom 9% in tier
Total Deposits ?	$488.6M +5.6% YoY +0.9% QoQ	-$676.0M	$1.2B +1.7% YoY	$647.1M +4.0% YoY	$4.7B +6.3% YoY	Bottom 11% in tier
Return on Assets ?	1.55% +16.5% YoY -2.5% QoQ	+0.39%	1.16% +17.2% YoY	1.09% +11.0% YoY	1.12% +15.6% YoY	76%
Net Interest Margin ?	4.33% +6.8% YoY +0.3% QoQ	+0.66%	3.66% +9.1% YoY	4.11% +6.6% YoY	3.75% +7.1% YoY	82%
Efficiency Ratio ?	59.18% -6.1% YoY +1.9% QoQ	-3.45%	62.63% -5.3% YoY	68.99% -3.0% YoY	65.09% -5.1% YoY	60%
Delinquency Rate ?	0.75% -31.8% YoY -7.8% QoQ	+0.12%	0.63% +18.3% YoY	1.20% -3.6% YoY	0.66% +20.3% YoY	34%
Loan-to-Deposit Ratio ?	73.58% +4.4% YoY +1.4% QoQ	-9.48%	83.06% +0.3% YoY	76.53% +1.5% YoY	78.04% +0.7% YoY	26%
Non-Interest-Bearing Deposit Share ?	37.83% -6.2% YoY -3.2% QoQ	+16.78%	21.05% -0.9% YoY	23.36% -2.3% YoY	21.79% -1.3% YoY	Top 6% in tier
Nonperforming Asset Ratio ?	0.55% -22.4% YoY +0.3% QoQ	+0.05%	0.50% +20.3% YoY	0.96% +1.0% YoY	0.48% +20.8% YoY	35%
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 ?	0.64% -14.3% YoY +30.6% QoQ	-0.10%	0.74% -1.3% YoY	0.55% -11.7% YoY	0.65% +0.6% YoY	65%

Signature Analysis

Strengths (1)

Deposit Franchise

growth

#71 of 150 · Top 47% in Community

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 37.83%

(Tier: 21.05%, National: 21.79%)

better than tier avg

Net Interest Margin: 4.33%

(Tier: 3.66%, National: 3.75%)

better than tier avg

150 of 150 Community banks match · 176 nationally

→ Stable +2 banks QoQ

Concerns (0)

No concerns identified

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%

Compare against:

Comparing against 1484 peers in Community tier

Top Strengths

Non-Interest-Bearing Deposit Share

Current: 37.83% · Tier avg: 21.05%

94th pctile

Net Interest Margin

Current: 4.33% · Tier avg: 3.66%

82th pctile

Return on Assets

Current: 1.55% · Tier avg: 1.16%

76th pctile

Non-Interest Income / Assets

Current: 0.64% · Tier avg: 0.74%

65th pctile

Efficiency Ratio

Current: 59.18% · Tier avg: 62.63%

60th pctile

Nonperforming Asset Ratio

Current: 0.55% · Tier avg: 0.50%

35th pctile

Delinquency Rate

Current: 0.75% · Tier avg: 0.63%

34th pctile

Tier 1 Capital Ratio

Current: 0.00% · Tier avg: 10.24%

29th pctile

Loan-to-Deposit Ratio

Current: 73.58% · Tier avg: 83.06%

26th pctile

Total Deposits

Current: $488.6M · Tier avg: $1.2B

11th pctile

Total Assets

Current: $564.3M · Tier avg: $1.4B

10th pctile

Total Loans

Current: $359.5M · Tier avg: $975.5M

9th pctile

Top Weaknesses