BlastPoint's Banking Scorecard
Sicily Island State Bank
Micro
Specialty: Commercial
LA
FDIC cert 12722
Designations: ✓ Community bank
Sicily Island, LA
2498
banks in Micro tier nationally
66 in LA
View Micro leaderboard (LA) →
Sicily Island State Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.18% above tier
- + Net Interest Margin 1.33% above tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 24.57% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$92.0M
+12.3% YoY
+1.2% QoQ
|
-$125.5M |
$217.5M
+2.3% YoY
|
$757.6M
+4.2% YoY
|
$5.9B
+6.5% YoY
|
20% |
| Total Loans ? |
$70.6M
+4.3% YoY
-3.2% QoQ
|
-$68.5M |
$139.2M
+2.8% YoY
|
$510.8M
+1.6% YoY
|
$3.1B
+8.5% YoY
|
29% |
| Total Deposits ? |
$71.3M
+11.1% YoY
+4.1% QoQ
|
-$112.4M |
$183.7M
+1.8% YoY
|
$647.1M
+4.0% YoY
|
$4.7B
+6.3% YoY
|
18% |
| Return on Assets ? |
2.26%
+19.1% YoY
-1.4% QoQ
|
+1.18% |
1.08%
+14.7% YoY
|
1.09%
+11.0% YoY
|
1.12%
+15.6% YoY
|
Top 6% in tier |
| Net Interest Margin ? |
5.18%
-1.9% YoY
-0.6% QoQ
|
+1.33% |
3.85%
+6.6% YoY
|
4.11%
+6.6% YoY
|
3.75%
+7.1% YoY
|
Top 7% in tier |
| Efficiency Ratio ? |
59.65%
-11.1% YoY
+0.2% QoQ
|
-8.07% |
67.73%
-4.8% YoY
|
68.99%
-3.0% YoY
|
65.09%
-5.1% YoY
|
68% |
| Delinquency Rate ? |
0.14%
-37.3% YoY
-68.9% QoQ
|
-0.50% |
0.64%
+24.4% YoY
|
1.20%
-3.6% YoY
|
0.66%
+20.3% YoY
|
67% |
| Loan-to-Deposit Ratio ? |
99.10%
-6.0% YoY
-7.0% QoQ
|
+24.57% |
74.53%
+0.5% YoY
|
76.53%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Bottom 10% in tier |
| Non-Interest-Bearing Deposit Share ? |
13.00%
-0.1% YoY
-12.3% QoQ
|
-9.40% |
22.39%
-1.3% YoY
|
23.36%
-2.3% YoY
|
21.79%
-1.3% YoY
|
18% |
| Nonperforming Asset Ratio ? |
0.11%
-41.8% YoY
-70.3% QoQ
|
-0.34% |
0.45%
+25.1% YoY
|
0.96%
+1.0% YoY
|
0.48%
+20.8% YoY
|
66% |
| Tier 1 Capital Ratio ? |
0.00%
-100.0% YoY
|
-8.85% |
8.85%
-3.4% YoY
|
8.68%
-5.6% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.63%
-17.7% YoY
+26.0% QoQ
|
+0.07% |
0.56%
+0.3% YoY
|
0.55%
-11.7% YoY
|
0.65%
+0.6% YoY
|
79% |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 6%
in Micro
Why this stands out
Current:
2.26%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 7%
in Micro
Why this stands out
Current:
5.18%
(Tier avg: 3.85%, National avg: 3.75%)
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 10%
in Micro
Why this stands out
Current:
99.10%
(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
94
94th pctile
Return on Assets
Current: 2.26% · Tier avg: 1.08%
93
93th pctile
Net Interest Margin
Current: 5.18% · Tier avg: 3.85%
79
79th pctile
Non-Interest Income / Assets
Current: 0.63% · Tier avg: 0.56%
68
68th pctile
Efficiency Ratio
Current: 59.65% · Tier avg: 67.73%
67
67th pctile
Delinquency Rate
Current: 0.14% · Tier avg: 0.64%
66
66th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
29
29th pctile
Total Loans
Current: $70.6M · Tier avg: $139.2M
20
20th pctile
Total Assets
Current: $92.0M · Tier avg: $217.5M
18
18th pctile
Total Deposits
Current: $71.3M · Tier avg: $183.7M
18
18th pctile
Non-Interest-Bearing Deposit Share
Current: 13.00% · Tier avg: 22.39%
10
10th pctile
Loan-to-Deposit Ratio
Current: 99.10% · Tier avg: 74.53%
Top Weaknesses
10
10th pctile
Loan-to-Deposit Ratio
Current: 99.10% · Tier avg: 74.53%
18
18th pctile
Non-Interest-Bearing Deposit Share
Current: 13.00% · Tier avg: 22.39%
18
18th pctile
Total Deposits
Current: $71.3M · Tier avg: $183.7M
20
20th pctile
Total Assets
Current: $92.0M · Tier avg: $217.5M
29
29th pctile
Total Loans
Current: $70.6M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
66
66th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.45%
67
67th pctile
Delinquency Rate
Current: 0.14% · Tier avg: 0.64%
68
68th pctile
Efficiency Ratio
Current: 59.65% · Tier avg: 67.73%
79
79th pctile
Non-Interest Income / Assets
Current: 0.63% · Tier avg: 0.56%
93
93th pctile
Net Interest Margin
Current: 5.18% · Tier avg: 3.85%
94
94th pctile
Return on Assets
Current: 2.26% · Tier avg: 1.08%