BlastPoint's Banking Scorecard
Caldwell Bank & Trust Company
Micro
Specialty: Agricultural
LA
FDIC cert 11785
Designations: ✓ Community bank
Columbia, LA
2498
banks in Micro tier nationally
66 in LA
View Micro leaderboard (LA) →
Caldwell Bank & Trust Company faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.68% above tier
- - Nonperforming Asset Ratio 2.19% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$284.7M
+2.8% YoY
-1.8% QoQ
|
+$67.2M |
$217.5M
+2.3% YoY
|
$757.6M
+4.2% YoY
|
$5.9B
+6.5% YoY
|
69% |
| Total Loans ? |
$201.1M
-3.7% YoY
-11.7% QoQ
|
+$62.0M |
$139.2M
+2.8% YoY
|
$510.8M
+1.6% YoY
|
$3.1B
+8.5% YoY
|
74% |
| Total Deposits ? |
$251.9M
+1.4% YoY
+0.9% QoQ
|
+$68.3M |
$183.7M
+1.8% YoY
|
$647.1M
+4.0% YoY
|
$4.7B
+6.3% YoY
|
71% |
| Return on Assets ? |
1.18%
+50.8% YoY
-9.6% QoQ
|
+0.10% |
1.08%
+14.7% YoY
|
1.09%
+11.0% YoY
|
1.12%
+15.6% YoY
|
57% |
| Net Interest Margin ? |
4.73%
+4.7% YoY
-0.7% QoQ
|
+0.88% |
3.85%
+6.6% YoY
|
4.11%
+6.6% YoY
|
3.75%
+7.1% YoY
|
Top 15% in tier |
| Efficiency Ratio ? |
72.88%
-2.9% YoY
+0.1% QoQ
|
+5.16% |
67.73%
-4.8% YoY
|
68.99%
-3.0% YoY
|
65.09%
-5.1% YoY
|
33% |
| Delinquency Rate ? |
3.32%
-13.2% YoY
+48.2% QoQ
|
+2.68% |
0.64%
+24.4% YoY
|
1.20%
-3.6% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
79.84%
-5.0% YoY
-12.4% QoQ
|
+5.31% |
74.53%
+0.5% YoY
|
76.53%
+1.5% YoY
|
78.04%
+0.7% YoY
|
43% |
| Non-Interest-Bearing Deposit Share ? |
17.40%
-4.4% YoY
+17.0% QoQ
|
-4.99% |
22.39%
-1.3% YoY
|
23.36%
-2.3% YoY
|
21.79%
-1.3% YoY
|
31% |
| Nonperforming Asset Ratio ? |
2.65%
-8.8% YoY
+21.0% QoQ
|
+2.19% |
0.45%
+25.1% YoY
|
0.96%
+1.0% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| 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 ? |
0.71%
-19.9% YoY
+32.4% QoQ
|
+0.15% |
0.56%
+0.3% YoY
|
0.55%
-11.7% YoY
|
0.65%
+0.6% YoY
|
84% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
3.32%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
2.65%
(Tier avg: 0.45%, National avg: 0.48%)
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
85
85th pctile
Net Interest Margin
Current: 4.73% · Tier avg: 3.85%
84
84th pctile
Non-Interest Income / Assets
Current: 0.71% · Tier avg: 0.56%
74
74th pctile
Total Loans
Current: $201.1M · Tier avg: $139.2M
71
71th pctile
Total Deposits
Current: $251.9M · Tier avg: $183.7M
69
69th pctile
Total Assets
Current: $284.7M · Tier avg: $217.5M
57
57th pctile
Return on Assets
Current: 1.18% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
43
43th pctile
Loan-to-Deposit Ratio
Current: 79.84% · Tier avg: 74.53%
33
33th pctile
Efficiency Ratio
Current: 72.88% · Tier avg: 67.73%
31
31th pctile
Non-Interest-Bearing Deposit Share
Current: 17.40% · Tier avg: 22.39%
0
0th pctile
Delinquency Rate
Current: 3.32% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 2.65% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 2.65% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 3.32% · Tier avg: 0.64%
31
31th pctile
Non-Interest-Bearing Deposit Share
Current: 17.40% · Tier avg: 22.39%
33
33th pctile
Efficiency Ratio
Current: 72.88% · Tier avg: 67.73%
43
43th pctile
Loan-to-Deposit Ratio
Current: 79.84% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
57
57th pctile
Return on Assets
Current: 1.18% · Tier avg: 1.08%
69
69th pctile
Total Assets
Current: $284.7M · Tier avg: $217.5M
71
71th pctile
Total Deposits
Current: $251.9M · Tier avg: $183.7M
74
74th pctile
Total Loans
Current: $201.1M · Tier avg: $139.2M
84
84th pctile
Non-Interest Income / Assets
Current: 0.71% · Tier avg: 0.56%
85
85th pctile
Net Interest Margin
Current: 4.73% · Tier avg: 3.85%