BlastPoint's Banking Scorecard
The Evangeline Bank and Trust Company
Community
Specialty: Commercial
LA
FDIC cert 12611
Ville Platte, LA
1484
banks in Community tier nationally
37 in LA
View Community leaderboard (LA) →
The Evangeline Bank and 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
- - Liquidity Strain: Bottom 37% in Community
- - Capital Thin: Bottom 47% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+4.7% YoY
+0.9% QoQ
|
-$271.9M |
$1.4B
+2.0% YoY
|
$757.6M
+4.2% YoY
|
$5.9B
+6.5% YoY
|
56% |
| Total Loans ? |
$894.5M
+3.3% YoY
-1.4% QoQ
|
-$80.9M |
$975.5M
+2.4% YoY
|
$510.8M
+1.6% YoY
|
$3.1B
+8.5% YoY
|
64% |
| Total Deposits ? |
$900.2M
+5.0% YoY
+1.4% QoQ
|
-$264.4M |
$1.2B
+1.7% YoY
|
$647.1M
+4.0% YoY
|
$4.7B
+6.3% YoY
|
54% |
| Return on Assets ? |
1.55%
+17.7% YoY
+4.3% QoQ
|
+0.39% |
1.16%
+17.2% YoY
|
1.09%
+11.0% YoY
|
1.12%
+15.6% YoY
|
76% |
| Net Interest Margin ? |
4.28%
+2.6% YoY
+0.6% QoQ
|
+0.61% |
3.66%
+9.1% YoY
|
4.11%
+6.6% YoY
|
3.75%
+7.1% YoY
|
80% |
| Efficiency Ratio ? |
53.05%
-6.2% YoY
+2.2% QoQ
|
-9.58% |
62.63%
-5.3% YoY
|
68.99%
-3.0% YoY
|
65.09%
-5.1% YoY
|
77% |
| Delinquency Rate ? |
1.25%
-21.8% YoY
-44.0% QoQ
|
+0.62% |
0.63%
+18.3% YoY
|
1.20%
-3.6% YoY
|
0.66%
+20.3% YoY
|
20% |
| Loan-to-Deposit Ratio ? |
99.37%
-1.6% YoY
-2.7% QoQ
|
+16.31% |
83.06%
+0.3% YoY
|
76.53%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Top 14% in tier |
| Non-Interest-Bearing Deposit Share ? |
25.90%
+3.6% YoY
+11.6% QoQ
|
+4.85% |
21.05%
-0.9% YoY
|
23.36%
-2.3% YoY
|
21.79%
-1.3% YoY
|
72% |
| Nonperforming Asset Ratio ? |
1.05%
-22.0% YoY
-44.5% QoQ
|
+0.55% |
0.50%
+20.3% YoY
|
0.96%
+1.0% YoY
|
0.48%
+20.8% YoY
|
18% |
| 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 ? |
0.42%
+28.4% YoY
+23.5% QoQ
|
-0.32% |
0.74%
-1.3% YoY
|
0.55%
-11.7% YoY
|
0.65%
+0.6% YoY
|
37% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Liquidity Strain
risk
#191 of 513 · Bottom 37% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
99.37%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Capital Thin
risk
#203 of 432 · Bottom 47% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
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
86
86th pctile
Loan-to-Deposit Ratio
Current: 99.37% · Tier avg: 83.06%
80
80th pctile
Net Interest Margin
Current: 4.28% · Tier avg: 3.66%
77
77th pctile
Efficiency Ratio
Current: 53.05% · Tier avg: 62.63%
76
76th pctile
Return on Assets
Current: 1.55% · Tier avg: 1.16%
72
72th pctile
Non-Interest-Bearing Deposit Share
Current: 25.90% · Tier avg: 21.05%
64
64th pctile
Total Loans
Current: $894.5M · Tier avg: $975.5M
56
56th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
54
54th pctile
Total Deposits
Current: $900.2M · Tier avg: $1.2B
37
37th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
20
20th pctile
Delinquency Rate
Current: 1.25% · Tier avg: 0.63%
18
18th pctile
Nonperforming Asset Ratio
Current: 1.05% · Tier avg: 0.50%
Top Weaknesses
18
18th pctile
Nonperforming Asset Ratio
Current: 1.05% · Tier avg: 0.50%
20
20th pctile
Delinquency Rate
Current: 1.25% · Tier avg: 0.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
37
37th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.74%
54
54th pctile
Total Deposits
Current: $900.2M · Tier avg: $1.2B
56
56th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
64
64th pctile
Total Loans
Current: $894.5M · Tier avg: $975.5M
72
72th pctile
Non-Interest-Bearing Deposit Share
Current: 25.90% · Tier avg: 21.05%
76
76th pctile
Return on Assets
Current: 1.55% · Tier avg: 1.16%
77
77th pctile
Efficiency Ratio
Current: 53.05% · Tier avg: 62.63%
80
80th pctile
Net Interest Margin
Current: 4.28% · Tier avg: 3.66%
86
86th pctile
Loan-to-Deposit Ratio
Current: 99.37% · Tier avg: 83.06%