BlastPoint's Banking Scorecard
Bank of Abbeville & Trust Company
Micro
Specialty: Commercial
LA
FDIC cert 11782
Designations: ✓ Community bank
Abbeville, LA
2498
banks in Micro tier nationally
66 in LA
View Micro leaderboard (LA) →
Bank of Abbeville & Trust Company shows strong momentum with 1 strength and 16.3% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 16.64% above 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 ? |
$242.6M
+16.3% YoY
+2.5% QoQ
|
+$25.1M |
$217.5M
+2.3% YoY
|
$757.6M
+4.2% YoY
|
$5.9B
+6.5% YoY
|
61% |
| Total Loans ? |
$117.2M
-2.1% YoY
-2.4% QoQ
|
-$22.0M |
$139.2M
+2.8% YoY
|
$510.8M
+1.6% YoY
|
$3.1B
+8.5% YoY
|
49% |
| Total Deposits ? |
$212.3M
+16.9% YoY
+2.8% QoQ
|
+$28.7M |
$183.7M
+1.8% YoY
|
$647.1M
+4.0% YoY
|
$4.7B
+6.3% YoY
|
63% |
| Return on Assets ? |
1.25%
+2.3% YoY
+6.3% QoQ
|
+0.16% |
1.08%
+14.7% YoY
|
1.09%
+11.0% YoY
|
1.12%
+15.6% YoY
|
61% |
| Net Interest Margin ? |
3.58%
-4.0% YoY
+0.3% QoQ
|
-0.27% |
3.85%
+6.6% YoY
|
4.11%
+6.6% YoY
|
3.75%
+7.1% YoY
|
38% |
| Efficiency Ratio ? |
67.11%
-1.7% YoY
-2.2% QoQ
|
-0.61% |
67.73%
-4.8% YoY
|
68.99%
-3.0% YoY
|
65.09%
-5.1% YoY
|
47% |
| Delinquency Rate ? |
0.45%
+112.7% YoY
+210.9% QoQ
|
-0.19% |
0.64%
+24.4% YoY
|
1.20%
-3.6% YoY
|
0.66%
+20.3% YoY
|
48% |
| Loan-to-Deposit Ratio ? |
55.20%
-16.2% YoY
-5.1% QoQ
|
-19.33% |
74.53%
+0.5% YoY
|
76.53%
+1.5% YoY
|
78.04%
+0.7% YoY
|
82% |
| Non-Interest-Bearing Deposit Share ? |
39.03%
+6.4% YoY
+6.6% QoQ
|
+16.64% |
22.39%
-1.3% YoY
|
23.36%
-2.3% YoY
|
21.79%
-1.3% YoY
|
Top 8% in tier |
| Nonperforming Asset Ratio ? |
0.27%
+122.5% YoY
+112.1% QoQ
|
-0.18% |
0.45%
+25.1% YoY
|
0.96%
+1.0% YoY
|
0.48%
+20.8% YoY
|
50% |
| 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 ? |
0.43%
+11.5% YoY
+45.9% QoQ
|
-0.13% |
0.56%
+0.3% YoY
|
0.55%
-11.7% YoY
|
0.65%
+0.6% YoY
|
60% |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 8%
in Micro
Why this stands out
Current:
39.03%
(Tier avg: 22.39%, National avg: 21.79%)
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
92
92th pctile
Non-Interest-Bearing Deposit Share
Current: 39.03% · Tier avg: 22.39%
82
82th pctile
Loan-to-Deposit Ratio
Current: 55.20% · Tier avg: 74.53%
63
63th pctile
Total Deposits
Current: $212.3M · Tier avg: $183.7M
61
61th pctile
Return on Assets
Current: 1.25% · Tier avg: 1.08%
61
61th pctile
Total Assets
Current: $242.6M · Tier avg: $217.5M
60
60th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
50
50th pctile
Nonperforming Asset Ratio
Current: 0.27% · Tier avg: 0.45%
49
49th pctile
Total Loans
Current: $117.2M · Tier avg: $139.2M
48
48th pctile
Delinquency Rate
Current: 0.45% · Tier avg: 0.64%
47
47th pctile
Efficiency Ratio
Current: 67.11% · Tier avg: 67.73%
38
38th pctile
Net Interest Margin
Current: 3.58% · Tier avg: 3.85%
Top Weaknesses
38
38th pctile
Net Interest Margin
Current: 3.58% · Tier avg: 3.85%
47
47th pctile
Efficiency Ratio
Current: 67.11% · Tier avg: 67.73%
48
48th pctile
Delinquency Rate
Current: 0.45% · Tier avg: 0.64%
49
49th pctile
Total Loans
Current: $117.2M · Tier avg: $139.2M
50
50th pctile
Nonperforming Asset Ratio
Current: 0.27% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
60
60th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.56%
61
61th pctile
Total Assets
Current: $242.6M · Tier avg: $217.5M
61
61th pctile
Return on Assets
Current: 1.25% · Tier avg: 1.08%
63
63th pctile
Total Deposits
Current: $212.3M · Tier avg: $183.7M
82
82th pctile
Loan-to-Deposit Ratio
Current: 55.20% · Tier avg: 74.53%
92
92th pctile
Non-Interest-Bearing Deposit Share
Current: 39.03% · Tier avg: 22.39%