BlastPoint's Banking Scorecard
Basile State Bank
Micro
Specialty: Consumer
LA
FDIC cert 17621
Designations: ✓ Community bank
Basile, LA
2498
banks in Micro tier nationally
66 in LA
View Micro leaderboard (LA) →
Basile State Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 2.06% above tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.20% above tier
- - Nonperforming Asset Ratio 1.97% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$80.8M
+7.5% YoY
-1.9% QoQ
|
-$136.7M |
$217.5M
+2.3% YoY
|
$757.6M
+4.2% YoY
|
$5.9B
+6.5% YoY
|
16% |
| Total Loans ? |
$67.2M
+9.7% YoY
+3.4% QoQ
|
-$72.0M |
$139.2M
+2.8% YoY
|
$510.8M
+1.6% YoY
|
$3.1B
+8.5% YoY
|
27% |
| Total Deposits ? |
$71.6M
+6.7% YoY
-2.1% QoQ
|
-$112.0M |
$183.7M
+1.8% YoY
|
$647.1M
+4.0% YoY
|
$4.7B
+6.3% YoY
|
18% |
| Return on Assets ? |
1.54%
-14.4% YoY
+12.8% QoQ
|
+0.46% |
1.08%
+14.7% YoY
|
1.09%
+11.0% YoY
|
1.12%
+15.6% YoY
|
76% |
| Net Interest Margin ? |
5.91%
-2.8% YoY
+1.9% QoQ
|
+2.06% |
3.85%
+6.6% YoY
|
4.11%
+6.6% YoY
|
3.75%
+7.1% YoY
|
Top 2% in tier |
| Efficiency Ratio ? |
71.80%
+4.0% YoY
-3.2% QoQ
|
+4.08% |
67.73%
-4.8% YoY
|
68.99%
-3.0% YoY
|
65.09%
-5.1% YoY
|
36% |
| Delinquency Rate ? |
2.84%
+27.2% YoY
+11.0% QoQ
|
+2.20% |
0.64%
+24.4% YoY
|
1.20%
-3.6% YoY
|
0.66%
+20.3% YoY
|
Bottom 8% in tier |
| Loan-to-Deposit Ratio ? |
93.82%
+2.8% YoY
+5.7% QoQ
|
+19.30% |
74.53%
+0.5% YoY
|
76.53%
+1.5% YoY
|
78.04%
+0.7% YoY
|
84% |
| Non-Interest-Bearing Deposit Share ? |
34.62%
+4.6% YoY
-2.8% QoQ
|
+12.23% |
22.39%
-1.3% YoY
|
23.36%
-2.3% YoY
|
21.79%
-1.3% YoY
|
Top 13% in tier |
| Nonperforming Asset Ratio ? |
2.43%
+24.0% YoY
+17.6% QoQ
|
+1.97% |
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 ? |
0.64%
-13.5% YoY
+36.2% QoQ
|
+0.08% |
0.56%
+0.3% YoY
|
0.55%
-11.7% YoY
|
0.65%
+0.6% YoY
|
79% |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 2%
in Micro
Why this stands out
Current:
5.91%
(Tier avg: 3.85%, National avg: 3.75%)
Concerns (2)
Delinquency Rate
metric
Bottom 8%
in Micro
Why this stands out
Current:
2.84%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
2.43%
(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
98
98th pctile
Net Interest Margin
Current: 5.91% · Tier avg: 3.85%
87
87th pctile
Non-Interest-Bearing Deposit Share
Current: 34.62% · Tier avg: 22.39%
84
84th pctile
Loan-to-Deposit Ratio
Current: 93.82% · Tier avg: 74.53%
79
79th pctile
Non-Interest Income / Assets
Current: 0.64% · Tier avg: 0.56%
76
76th pctile
Return on Assets
Current: 1.54% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
36
36th pctile
Efficiency Ratio
Current: 71.80% · Tier avg: 67.73%
27
27th pctile
Total Loans
Current: $67.2M · Tier avg: $139.2M
18
18th pctile
Total Deposits
Current: $71.6M · Tier avg: $183.7M
16
16th pctile
Total Assets
Current: $80.8M · Tier avg: $217.5M
8
8th pctile
Delinquency Rate
Current: 2.84% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 2.43% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 2.43% · Tier avg: 0.45%
8
8th pctile
Delinquency Rate
Current: 2.84% · Tier avg: 0.64%
16
16th pctile
Total Assets
Current: $80.8M · Tier avg: $217.5M
18
18th pctile
Total Deposits
Current: $71.6M · Tier avg: $183.7M
27
27th pctile
Total Loans
Current: $67.2M · Tier avg: $139.2M
36
36th pctile
Efficiency Ratio
Current: 71.80% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
76
76th pctile
Return on Assets
Current: 1.54% · Tier avg: 1.08%
79
79th pctile
Non-Interest Income / Assets
Current: 0.64% · Tier avg: 0.56%
84
84th pctile
Loan-to-Deposit Ratio
Current: 93.82% · Tier avg: 74.53%
87
87th pctile
Non-Interest-Bearing Deposit Share
Current: 34.62% · Tier avg: 22.39%
98
98th pctile
Net Interest Margin
Current: 5.91% · Tier avg: 3.85%