BlastPoint's Banking Scorecard
Louisiana National Bank
Micro
Specialty: Commercial
LA
FDIC cert 15059
Designations: ✓ Community bank
Ruston, LA
2498
banks in Micro tier nationally
66 in LA
View Micro leaderboard (LA) →
Louisiana National Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 2.13% above tier
Key Concerns
Areas that may need attention
- - Nonperforming Asset Ratio 1.30% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$480.3M
+7.6% YoY
+6.0% QoQ
|
+$262.8M |
$217.5M
+2.3% YoY
|
$757.6M
+4.2% YoY
|
$5.9B
+6.5% YoY
|
Top 2% in tier |
| Total Loans ? |
$413.8M
+6.0% YoY
+7.3% QoQ
|
+$274.6M |
$139.2M
+2.8% YoY
|
$510.8M
+1.6% YoY
|
$3.1B
+8.5% YoY
|
Top 1% in tier |
| Total Deposits ? |
$426.1M
+7.2% YoY
+6.3% QoQ
|
+$242.4M |
$183.7M
+1.8% YoY
|
$647.1M
+4.0% YoY
|
$4.7B
+6.3% YoY
|
Top 1% in tier |
| Return on Assets ? |
1.76%
+20.7% YoY
+9.1% QoQ
|
+0.68% |
1.08%
+14.7% YoY
|
1.09%
+11.0% YoY
|
1.12%
+15.6% YoY
|
84% |
| Net Interest Margin ? |
5.99%
+19.8% YoY
+1.2% QoQ
|
+2.13% |
3.85%
+6.6% YoY
|
4.11%
+6.6% YoY
|
3.75%
+7.1% YoY
|
Top 2% in tier |
| Efficiency Ratio ? |
60.18%
-11.6% YoY
-2.9% QoQ
|
-7.55% |
67.73%
-4.8% YoY
|
68.99%
-3.0% YoY
|
65.09%
-5.1% YoY
|
67% |
| Delinquency Rate ? |
1.08%
-55.6% YoY
-37.0% QoQ
|
+0.44% |
0.64%
+24.4% YoY
|
1.20%
-3.6% YoY
|
0.66%
+20.3% YoY
|
27% |
| Loan-to-Deposit Ratio ? |
97.10%
-1.1% YoY
+0.9% QoQ
|
+22.58% |
74.53%
+0.5% YoY
|
76.53%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Top 12% in tier |
| Non-Interest-Bearing Deposit Share ? |
24.79%
+11.6% YoY
+3.7% QoQ
|
+2.40% |
22.39%
-1.3% YoY
|
23.36%
-2.3% YoY
|
21.79%
-1.3% YoY
|
62% |
| Nonperforming Asset Ratio ? |
1.76%
-19.7% YoY
-7.5% QoQ
|
+1.30% |
0.45%
+25.1% YoY
|
0.96%
+1.0% YoY
|
0.48%
+20.8% YoY
|
Bottom 9% 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 ? |
0.58%
+3.1% YoY
+35.6% QoQ
|
+0.02% |
0.56%
+0.3% YoY
|
0.55%
-11.7% YoY
|
0.65%
+0.6% YoY
|
76% |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 2%
in Micro
Why this stands out
Current:
5.99%
(Tier avg: 3.85%, National avg: 3.75%)
Concerns (1)
Nonperforming Asset Ratio
metric
Bottom 9%
in Micro
Why this stands out
Current:
1.76%
(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
100
100th pctile
Total Loans
Current: $413.8M · Tier avg: $139.2M
99
99th pctile
Total Deposits
Current: $426.1M · Tier avg: $183.7M
98
98th pctile
Net Interest Margin
Current: 5.99% · Tier avg: 3.85%
98
98th pctile
Total Assets
Current: $480.3M · Tier avg: $217.5M
88
88th pctile
Loan-to-Deposit Ratio
Current: 97.10% · Tier avg: 74.53%
84
84th pctile
Return on Assets
Current: 1.76% · Tier avg: 1.08%
76
76th pctile
Non-Interest Income / Assets
Current: 0.58% · Tier avg: 0.56%
67
67th pctile
Efficiency Ratio
Current: 60.18% · Tier avg: 67.73%
62
62th pctile
Non-Interest-Bearing Deposit Share
Current: 24.79% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
27
27th pctile
Delinquency Rate
Current: 1.08% · Tier avg: 0.64%
9
9th pctile
Nonperforming Asset Ratio
Current: 1.76% · Tier avg: 0.45%
Top Weaknesses
9
9th pctile
Nonperforming Asset Ratio
Current: 1.76% · Tier avg: 0.45%
27
27th pctile
Delinquency Rate
Current: 1.08% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
62
62th pctile
Non-Interest-Bearing Deposit Share
Current: 24.79% · Tier avg: 22.39%
67
67th pctile
Efficiency Ratio
Current: 60.18% · Tier avg: 67.73%
76
76th pctile
Non-Interest Income / Assets
Current: 0.58% · Tier avg: 0.56%
84
84th pctile
Return on Assets
Current: 1.76% · Tier avg: 1.08%
88
88th pctile
Loan-to-Deposit Ratio
Current: 97.10% · Tier avg: 74.53%
98
98th pctile
Total Assets
Current: $480.3M · Tier avg: $217.5M
98
98th pctile
Net Interest Margin
Current: 5.99% · Tier avg: 3.85%
99
99th pctile
Total Deposits
Current: $426.1M · Tier avg: $183.7M
100
100th pctile
Total Loans
Current: $413.8M · Tier avg: $139.2M