BlastPoint's Banking Scorecard
Bank of Commerce & Trust Co.
Micro
Specialty: Agricultural
LA
FDIC cert 10523
Designations: ✓ Community bank
Crowley, LA
2498
banks in Micro tier nationally
66 in LA
View Micro leaderboard (LA) →
Bank of Commerce & Trust Co. 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
- - Return on Assets 0.92% below tier
- - Net Interest Margin 1.64% below tier
- - Efficiency Ratio 24.12% above tier
- - Loan-to-Deposit Ratio 45.63% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$395.8M
+6.8% YoY
+8.3% QoQ
|
+$178.3M |
$217.5M
+2.3% YoY
|
$757.6M
+4.2% YoY
|
$5.9B
+6.5% YoY
|
Top 12% in tier |
| Total Loans ? |
$102.2M
+11.5% YoY
-0.0% QoQ
|
-$36.9M |
$139.2M
+2.8% YoY
|
$510.8M
+1.6% YoY
|
$3.1B
+8.5% YoY
|
44% |
| Total Deposits ? |
$353.8M
+5.9% YoY
+9.2% QoQ
|
+$170.1M |
$183.7M
+1.8% YoY
|
$647.1M
+4.0% YoY
|
$4.7B
+6.3% YoY
|
Top 10% in tier |
| Return on Assets ? |
0.16%
-30.8% YoY
-14.6% QoQ
|
-0.92% |
1.08%
+14.7% YoY
|
1.09%
+11.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 9% in tier |
| Net Interest Margin ? |
2.22%
+3.5% YoY
+0.3% QoQ
|
-1.64% |
3.85%
+6.6% YoY
|
4.11%
+6.6% YoY
|
3.75%
+7.1% YoY
|
Bottom 3% in tier |
| Efficiency Ratio ? |
91.84%
+5.2% YoY
+1.6% QoQ
|
+24.12% |
67.73%
-4.8% YoY
|
68.99%
-3.0% YoY
|
65.09%
-5.1% YoY
|
Bottom 8% in tier |
| Delinquency Rate ? |
0.35%
-7.4% YoY
+6.7% QoQ
|
-0.29% |
0.64%
+24.4% YoY
|
1.20%
-3.6% YoY
|
0.66%
+20.3% YoY
|
53% |
| Loan-to-Deposit Ratio ? |
28.90%
+5.2% YoY
-8.5% QoQ
|
-45.63% |
74.53%
+0.5% YoY
|
76.53%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Bottom 2% in tier |
| Non-Interest-Bearing Deposit Share ? |
34.08%
-12.8% YoY
-7.6% QoQ
|
+11.69% |
22.39%
-1.3% YoY
|
23.36%
-2.3% YoY
|
21.79%
-1.3% YoY
|
Top 13% in tier |
| Nonperforming Asset Ratio ? |
0.09%
-3.3% YoY
-1.5% QoQ
|
-0.36% |
0.45%
+25.1% YoY
|
0.96%
+1.0% YoY
|
0.48%
+20.8% YoY
|
69% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
8.68%
-5.6% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.34%
-16.7% YoY
+16.5% QoQ
|
-0.22% |
0.56%
+0.3% YoY
|
0.55%
-11.7% YoY
|
0.65%
+0.6% YoY
|
47% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Return on Assets
metric
Bottom 9%
in Micro
Why this stands out
Current:
0.16%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 3%
in Micro
Why this stands out
Current:
2.22%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 8%
in Micro
Why this stands out
Current:
91.84%
(Tier avg: 67.73%, National avg: 65.09%)
Loan-to-Deposit Ratio
metric
Bottom 2%
in Micro
Why this stands out
Current:
28.90%
(Tier avg: 74.53%, National avg: 78.04%)
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
90
90th pctile
Total Deposits
Current: $353.8M · Tier avg: $183.7M
88
88th pctile
Total Assets
Current: $395.8M · Tier avg: $217.5M
87
87th pctile
Non-Interest-Bearing Deposit Share
Current: 34.08% · Tier avg: 22.39%
69
69th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.45%
53
53th pctile
Delinquency Rate
Current: 0.35% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
47
47th pctile
Non-Interest Income / Assets
Current: 0.34% · Tier avg: 0.56%
44
44th pctile
Total Loans
Current: $102.2M · Tier avg: $139.2M
9
9th pctile
Return on Assets
Current: 0.16% · Tier avg: 1.08%
8
8th pctile
Efficiency Ratio
Current: 91.84% · Tier avg: 67.73%
3
3th pctile
Net Interest Margin
Current: 2.22% · Tier avg: 3.85%
2
2th pctile
Loan-to-Deposit Ratio
Current: 28.90% · Tier avg: 74.53%
Top Weaknesses
2
2th pctile
Loan-to-Deposit Ratio
Current: 28.90% · Tier avg: 74.53%
3
3th pctile
Net Interest Margin
Current: 2.22% · Tier avg: 3.85%
8
8th pctile
Efficiency Ratio
Current: 91.84% · Tier avg: 67.73%
9
9th pctile
Return on Assets
Current: 0.16% · Tier avg: 1.08%
44
44th pctile
Total Loans
Current: $102.2M · Tier avg: $139.2M
47
47th pctile
Non-Interest Income / Assets
Current: 0.34% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
53
53th pctile
Delinquency Rate
Current: 0.35% · Tier avg: 0.64%
69
69th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.45%
87
87th pctile
Non-Interest-Bearing Deposit Share
Current: 34.08% · Tier avg: 22.39%
88
88th pctile
Total Assets
Current: $395.8M · Tier avg: $217.5M
90
90th pctile
Total Deposits
Current: $353.8M · Tier avg: $183.7M