BlastPoint's Banking Scorecard
Vermilion Bank & Trust Company
Micro
Specialty: Other
LA
FDIC cert 17841
Designations: ✓ Community bank
Kaplan, LA
2498
banks in Micro tier nationally
66 in LA
View Micro leaderboard (LA) →
Vermilion Bank & Trust Company has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 0.95% above tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 31.03% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$169.7M
+3.4% YoY
+17.1% QoQ
|
-$47.8M |
$217.5M
+2.3% YoY
|
$757.6M
+4.2% YoY
|
$5.9B
+6.5% YoY
|
43% |
| Total Loans ? |
$66.0M
-2.9% YoY
-2.3% QoQ
|
-$73.2M |
$139.2M
+2.8% YoY
|
$510.8M
+1.6% YoY
|
$3.1B
+8.5% YoY
|
27% |
| Total Deposits ? |
$151.8M
+1.9% YoY
+19.8% QoQ
|
-$31.9M |
$183.7M
+1.8% YoY
|
$647.1M
+4.0% YoY
|
$4.7B
+6.3% YoY
|
46% |
| Return on Assets ? |
2.03%
+2.7% YoY
+5.5% QoQ
|
+0.95% |
1.08%
+14.7% YoY
|
1.09%
+11.0% YoY
|
1.12%
+15.6% YoY
|
Top 9% in tier |
| Net Interest Margin ? |
4.19%
+4.0% YoY
-2.2% QoQ
|
+0.33% |
3.85%
+6.6% YoY
|
4.11%
+6.6% YoY
|
3.75%
+7.1% YoY
|
67% |
| Efficiency Ratio ? |
54.07%
+2.5% YoY
-4.0% QoQ
|
-13.65% |
67.73%
-4.8% YoY
|
68.99%
-3.0% YoY
|
65.09%
-5.1% YoY
|
83% |
| Delinquency Rate ? |
1.47%
-22.4% YoY
-6.0% QoQ
|
+0.83% |
0.64%
+24.4% YoY
|
1.20%
-3.6% YoY
|
0.66%
+20.3% YoY
|
19% |
| Loan-to-Deposit Ratio ? |
43.49%
-4.7% YoY
-18.4% QoQ
|
-31.03% |
74.53%
+0.5% YoY
|
76.53%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Bottom 8% in tier |
| Non-Interest-Bearing Deposit Share ? |
22.37%
+0.9% YoY
-19.0% QoQ
|
-0.02% |
22.39%
-1.3% YoY
|
23.36%
-2.3% YoY
|
21.79%
-1.3% YoY
|
53% |
| Nonperforming Asset Ratio ? |
0.60%
-23.4% YoY
-21.3% QoQ
|
+0.15% |
0.45%
+25.1% YoY
|
0.96%
+1.0% YoY
|
0.48%
+20.8% YoY
|
32% |
| Tier 1 Capital Ratio ? |
22.36%
+9.3% YoY
-1.5% QoQ
|
+13.51% |
8.85%
-3.4% YoY
|
8.68%
-5.6% YoY
|
9.75%
-1.9% YoY
|
Top 10% in tier |
| Non-Interest Income / Assets ? |
0.58%
-13.3% YoY
+19.0% QoQ
|
+0.02% |
0.56%
+0.3% YoY
|
0.55%
-11.7% YoY
|
0.65%
+0.6% YoY
|
75% |
Signature Analysis
Strengths (1)
Return on Assets
metric
Top 9%
in Micro
Why this stands out
Current:
2.03%
(Tier avg: 1.08%, National avg: 1.12%)
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 8%
in Micro
Why this stands out
Current:
43.49%
(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
91
91th pctile
Return on Assets
Current: 2.03% · Tier avg: 1.08%
90
90th pctile
Tier 1 Capital Ratio
Current: 22.36% · Tier avg: 8.85%
83
83th pctile
Efficiency Ratio
Current: 54.07% · Tier avg: 67.73%
75
75th pctile
Non-Interest Income / Assets
Current: 0.58% · Tier avg: 0.56%
67
67th pctile
Net Interest Margin
Current: 4.19% · Tier avg: 3.85%
53
53th pctile
Non-Interest-Bearing Deposit Share
Current: 22.37% · Tier avg: 22.39%
46
46th pctile
Total Deposits
Current: $151.8M · Tier avg: $183.7M
43
43th pctile
Total Assets
Current: $169.7M · Tier avg: $217.5M
32
32th pctile
Nonperforming Asset Ratio
Current: 0.60% · Tier avg: 0.45%
27
27th pctile
Total Loans
Current: $66.0M · Tier avg: $139.2M
19
19th pctile
Delinquency Rate
Current: 1.47% · Tier avg: 0.64%
8
8th pctile
Loan-to-Deposit Ratio
Current: 43.49% · Tier avg: 74.53%
Top Weaknesses
8
8th pctile
Loan-to-Deposit Ratio
Current: 43.49% · Tier avg: 74.53%
19
19th pctile
Delinquency Rate
Current: 1.47% · Tier avg: 0.64%
27
27th pctile
Total Loans
Current: $66.0M · Tier avg: $139.2M
32
32th pctile
Nonperforming Asset Ratio
Current: 0.60% · Tier avg: 0.45%
43
43th pctile
Total Assets
Current: $169.7M · Tier avg: $217.5M
46
46th pctile
Total Deposits
Current: $151.8M · Tier avg: $183.7M
53
53th pctile
Non-Interest-Bearing Deposit Share
Current: 22.37% · Tier avg: 22.39%
67
67th pctile
Net Interest Margin
Current: 4.19% · Tier avg: 3.85%
75
75th pctile
Non-Interest Income / Assets
Current: 0.58% · Tier avg: 0.56%
83
83th pctile
Efficiency Ratio
Current: 54.07% · Tier avg: 67.73%
90
90th pctile
Tier 1 Capital Ratio
Current: 22.36% · Tier avg: 8.85%
91
91th pctile
Return on Assets
Current: 2.03% · Tier avg: 1.08%