BlastPoint's Banking Scorecard
Exchange Bank and Trust Company, Natchitoches, Louisiana
Micro
Specialty: Mortgage
LA
FDIC cert 10528
Designations: ✓ Community bank
Natchitoches, LA
2498
banks in Micro tier nationally
66 in LA
View Micro leaderboard (LA) →
Exchange Bank and Trust Company, Natchitoches, Louisiana shows strong momentum with 2 strengths and 7.1% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.24% above tier
- + Efficiency Ratio 19.48% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$188.5M
+7.1% YoY
+2.7% QoQ
|
-$28.9M |
$217.5M
+2.3% YoY
|
$757.6M
+4.2% YoY
|
$5.9B
+6.5% YoY
|
48% |
| Total Loans ? |
$98.4M
+8.0% YoY
+2.0% QoQ
|
-$40.8M |
$139.2M
+2.8% YoY
|
$510.8M
+1.6% YoY
|
$3.1B
+8.5% YoY
|
43% |
| Total Deposits ? |
$169.1M
+6.2% YoY
+3.8% QoQ
|
-$14.6M |
$183.7M
+1.8% YoY
|
$647.1M
+4.0% YoY
|
$4.7B
+6.3% YoY
|
51% |
| Return on Assets ? |
2.32%
-9.8% YoY
+1.6% QoQ
|
+1.24% |
1.08%
+14.7% YoY
|
1.09%
+11.0% YoY
|
1.12%
+15.6% YoY
|
Top 5% in tier |
| Net Interest Margin ? |
4.44%
+2.3% YoY
+0.5% QoQ
|
+0.59% |
3.85%
+6.6% YoY
|
4.11%
+6.6% YoY
|
3.75%
+7.1% YoY
|
77% |
| Efficiency Ratio ? |
48.25%
+8.4% YoY
-2.2% QoQ
|
-19.48% |
67.73%
-4.8% YoY
|
68.99%
-3.0% YoY
|
65.09%
-5.1% YoY
|
Top 8% in tier |
| Delinquency Rate ? |
0.81%
-49.7% YoY
-4.0% QoQ
|
+0.17% |
0.64%
+24.4% YoY
|
1.20%
-3.6% YoY
|
0.66%
+20.3% YoY
|
34% |
| Loan-to-Deposit Ratio ? |
58.19%
+1.7% YoY
-1.7% QoQ
|
-16.33% |
74.53%
+0.5% YoY
|
76.53%
+1.5% YoY
|
78.04%
+0.7% YoY
|
78% |
| Non-Interest-Bearing Deposit Share ? |
28.91%
+1.9% YoY
+10.0% QoQ
|
+6.52% |
22.39%
-1.3% YoY
|
23.36%
-2.3% YoY
|
21.79%
-1.3% YoY
|
76% |
| Nonperforming Asset Ratio ? |
0.42%
-49.3% YoY
-4.7% QoQ
|
-0.03% |
0.45%
+25.1% YoY
|
0.96%
+1.0% YoY
|
0.48%
+20.8% YoY
|
42% |
| 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 ? |
0.24%
-43.3% YoY
+29.7% QoQ
|
-0.33% |
0.56%
+0.3% YoY
|
0.55%
-11.7% YoY
|
0.65%
+0.6% YoY
|
29% |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 5%
in Micro
Why this stands out
Current:
2.32%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Top 8%
in Micro
Why this stands out
Current:
48.25%
(Tier avg: 67.73%, National avg: 65.09%)
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%
Top Strengths
95
95th pctile
Return on Assets
Current: 2.32% · Tier avg: 1.08%
92
92th pctile
Efficiency Ratio
Current: 48.25% · Tier avg: 67.73%
78
78th pctile
Loan-to-Deposit Ratio
Current: 58.19% · Tier avg: 74.53%
77
77th pctile
Net Interest Margin
Current: 4.44% · Tier avg: 3.85%
76
76th pctile
Non-Interest-Bearing Deposit Share
Current: 28.91% · Tier avg: 22.39%
51
51th pctile
Total Deposits
Current: $169.1M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
48
48th pctile
Total Assets
Current: $188.5M · Tier avg: $217.5M
43
43th pctile
Total Loans
Current: $98.4M · Tier avg: $139.2M
42
42th pctile
Nonperforming Asset Ratio
Current: 0.42% · Tier avg: 0.45%
34
34th pctile
Delinquency Rate
Current: 0.81% · Tier avg: 0.64%
29
29th pctile
Non-Interest Income / Assets
Current: 0.24% · Tier avg: 0.56%
Top Weaknesses
29
29th pctile
Non-Interest Income / Assets
Current: 0.24% · Tier avg: 0.56%
34
34th pctile
Delinquency Rate
Current: 0.81% · Tier avg: 0.64%
42
42th pctile
Nonperforming Asset Ratio
Current: 0.42% · Tier avg: 0.45%
43
43th pctile
Total Loans
Current: $98.4M · Tier avg: $139.2M
48
48th pctile
Total Assets
Current: $188.5M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
51
51th pctile
Total Deposits
Current: $169.1M · Tier avg: $183.7M
76
76th pctile
Non-Interest-Bearing Deposit Share
Current: 28.91% · Tier avg: 22.39%
77
77th pctile
Net Interest Margin
Current: 4.44% · Tier avg: 3.85%
78
78th pctile
Loan-to-Deposit Ratio
Current: 58.19% · Tier avg: 74.53%
92
92th pctile
Efficiency Ratio
Current: 48.25% · Tier avg: 67.73%
95
95th pctile
Return on Assets
Current: 2.32% · Tier avg: 1.08%