BlastPoint's Banking Scorecard
Farmers State Bank & Trust Co.
Micro
Specialty: Commercial
LA
FDIC cert 16114
Designations: ✓ Community bank
Church Point, LA
2498
banks in Micro tier nationally
66 in LA
View Micro leaderboard (LA) →
Farmers State Bank & Trust Co. demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 0.93% 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 ? |
$170.7M
+3.5% YoY
+0.7% QoQ
|
-$46.8M |
$217.5M
+2.3% YoY
|
$757.6M
+4.2% YoY
|
$5.9B
+6.5% YoY
|
44% |
| Total Loans ? |
$78.4M
+0.8% YoY
+3.2% QoQ
|
-$60.8M |
$139.2M
+2.8% YoY
|
$510.8M
+1.6% YoY
|
$3.1B
+8.5% YoY
|
33% |
| Total Deposits ? |
$154.6M
+2.9% YoY
+0.6% QoQ
|
-$29.1M |
$183.7M
+1.8% YoY
|
$647.1M
+4.0% YoY
|
$4.7B
+6.3% YoY
|
47% |
| Return on Assets ? |
2.01%
-0.1% YoY
-2.0% QoQ
|
+0.93% |
1.08%
+14.7% YoY
|
1.09%
+11.0% YoY
|
1.12%
+15.6% YoY
|
Top 9% in tier |
| Net Interest Margin ? |
4.37%
+0.6% YoY
+0.1% QoQ
|
+0.52% |
3.85%
+6.6% YoY
|
4.11%
+6.6% YoY
|
3.75%
+7.1% YoY
|
75% |
| Efficiency Ratio ? |
56.90%
+0.1% YoY
+1.7% QoQ
|
-10.83% |
67.73%
-4.8% YoY
|
68.99%
-3.0% YoY
|
65.09%
-5.1% YoY
|
76% |
| Delinquency Rate ? |
0.46%
+52.1% YoY
-55.8% QoQ
|
-0.18% |
0.64%
+24.4% YoY
|
1.20%
-3.6% YoY
|
0.66%
+20.3% YoY
|
47% |
| Loan-to-Deposit Ratio ? |
50.69%
-2.1% YoY
+2.6% QoQ
|
-23.84% |
74.53%
+0.5% YoY
|
76.53%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Bottom 13% in tier |
| Non-Interest-Bearing Deposit Share ? |
31.03%
-4.3% YoY
-8.4% QoQ
|
+8.64% |
22.39%
-1.3% YoY
|
23.36%
-2.3% YoY
|
21.79%
-1.3% YoY
|
82% |
| Nonperforming Asset Ratio ? |
0.21%
-36.5% YoY
-54.7% QoQ
|
-0.24% |
0.45%
+25.1% YoY
|
0.96%
+1.0% YoY
|
0.48%
+20.8% YoY
|
56% |
| 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 ? |
0.56%
-5.8% YoY
+31.8% QoQ
|
-0.01% |
0.56%
+0.3% YoY
|
0.55%
-11.7% YoY
|
0.65%
+0.6% YoY
|
74% |
Signature Analysis
Strengths (1)
Return on Assets
metric
Top 9%
in Micro
Why this stands out
Current:
2.01%
(Tier avg: 1.08%, National avg: 1.12%)
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
91
91th pctile
Return on Assets
Current: 2.01% · Tier avg: 1.08%
82
82th pctile
Non-Interest-Bearing Deposit Share
Current: 31.03% · Tier avg: 22.39%
76
76th pctile
Efficiency Ratio
Current: 56.90% · Tier avg: 67.73%
75
75th pctile
Net Interest Margin
Current: 4.37% · Tier avg: 3.85%
74
74th pctile
Non-Interest Income / Assets
Current: 0.56% · Tier avg: 0.56%
56
56th pctile
Nonperforming Asset Ratio
Current: 0.21% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
47
47th pctile
Delinquency Rate
Current: 0.46% · Tier avg: 0.64%
47
47th pctile
Total Deposits
Current: $154.6M · Tier avg: $183.7M
44
44th pctile
Total Assets
Current: $170.7M · Tier avg: $217.5M
33
33th pctile
Total Loans
Current: $78.4M · Tier avg: $139.2M
13
13th pctile
Loan-to-Deposit Ratio
Current: 50.69% · Tier avg: 74.53%
Top Weaknesses
13
13th pctile
Loan-to-Deposit Ratio
Current: 50.69% · Tier avg: 74.53%
33
33th pctile
Total Loans
Current: $78.4M · Tier avg: $139.2M
44
44th pctile
Total Assets
Current: $170.7M · Tier avg: $217.5M
47
47th pctile
Total Deposits
Current: $154.6M · Tier avg: $183.7M
47
47th pctile
Delinquency Rate
Current: 0.46% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
56
56th pctile
Nonperforming Asset Ratio
Current: 0.21% · Tier avg: 0.45%
74
74th pctile
Non-Interest Income / Assets
Current: 0.56% · Tier avg: 0.56%
75
75th pctile
Net Interest Margin
Current: 4.37% · Tier avg: 3.85%
76
76th pctile
Efficiency Ratio
Current: 56.90% · Tier avg: 67.73%
82
82th pctile
Non-Interest-Bearing Deposit Share
Current: 31.03% · Tier avg: 22.39%
91
91th pctile
Return on Assets
Current: 2.01% · Tier avg: 1.08%