BlastPoint's Banking Scorecard
American Bank & Trust Company
Micro
Specialty: Commercial
LA
FDIC cert 17906
Designations: ✓ Community bank
Opelousas, LA
2498
banks in Micro tier nationally
66 in LA
View Micro leaderboard (LA) →
American Bank & Trust Company shows strong momentum with 1 strength and 8.8% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 14.85% 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 ? |
$271.8M
+8.8% YoY
+7.2% QoQ
|
+$54.3M |
$217.5M
+2.3% YoY
|
$757.6M
+4.2% YoY
|
$5.9B
+6.5% YoY
|
66% |
| Total Loans ? |
$185.0M
+11.3% YoY
+2.6% QoQ
|
+$45.9M |
$139.2M
+2.8% YoY
|
$510.8M
+1.6% YoY
|
$3.1B
+8.5% YoY
|
70% |
| Total Deposits ? |
$228.0M
+2.9% YoY
+10.9% QoQ
|
+$44.3M |
$183.7M
+1.8% YoY
|
$647.1M
+4.0% YoY
|
$4.7B
+6.3% YoY
|
66% |
| Return on Assets ? |
1.48%
+18.6% YoY
-11.2% QoQ
|
+0.40% |
1.08%
+14.7% YoY
|
1.09%
+11.0% YoY
|
1.12%
+15.6% YoY
|
74% |
| Net Interest Margin ? |
4.14%
+5.8% YoY
-0.4% QoQ
|
+0.28% |
3.85%
+6.6% YoY
|
4.11%
+6.6% YoY
|
3.75%
+7.1% YoY
|
65% |
| Efficiency Ratio ? |
63.84%
-2.8% YoY
+7.0% QoQ
|
-3.88% |
67.73%
-4.8% YoY
|
68.99%
-3.0% YoY
|
65.09%
-5.1% YoY
|
56% |
| Delinquency Rate ? |
0.26%
+260.3% QoQ
|
-0.38% |
0.64%
+24.4% YoY
|
1.20%
-3.6% YoY
|
0.66%
+20.3% YoY
|
58% |
| Loan-to-Deposit Ratio ? |
81.16%
+8.2% YoY
-7.5% QoQ
|
+6.64% |
74.53%
+0.5% YoY
|
76.53%
+1.5% YoY
|
78.04%
+0.7% YoY
|
60% |
| Non-Interest-Bearing Deposit Share ? |
37.24%
-3.7% YoY
-0.9% QoQ
|
+14.85% |
22.39%
-1.3% YoY
|
23.36%
-2.3% YoY
|
21.79%
-1.3% YoY
|
Top 9% in tier |
| Nonperforming Asset Ratio ? |
0.18%
+469.4% YoY
+244.9% QoQ
|
-0.28% |
0.45%
+25.1% YoY
|
0.96%
+1.0% YoY
|
0.48%
+20.8% YoY
|
59% |
| 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 ? |
0.35%
-33.1% YoY
+24.6% QoQ
|
-0.22% |
0.56%
+0.3% YoY
|
0.55%
-11.7% YoY
|
0.65%
+0.6% YoY
|
48% |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 9%
in Micro
Why this stands out
Current:
37.24%
(Tier avg: 22.39%, National avg: 21.79%)
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
Non-Interest-Bearing Deposit Share
Current: 37.24% · Tier avg: 22.39%
74
74th pctile
Return on Assets
Current: 1.48% · Tier avg: 1.08%
70
70th pctile
Total Loans
Current: $185.0M · Tier avg: $139.2M
66
66th pctile
Total Assets
Current: $271.8M · Tier avg: $217.5M
66
66th pctile
Total Deposits
Current: $228.0M · Tier avg: $183.7M
65
65th pctile
Net Interest Margin
Current: 4.14% · Tier avg: 3.85%
60
60th pctile
Loan-to-Deposit Ratio
Current: 81.16% · Tier avg: 74.53%
59
59th pctile
Nonperforming Asset Ratio
Current: 0.18% · Tier avg: 0.45%
58
58th pctile
Delinquency Rate
Current: 0.26% · Tier avg: 0.64%
56
56th pctile
Efficiency Ratio
Current: 63.84% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
48
48th pctile
Non-Interest Income / Assets
Current: 0.35% · Tier avg: 0.56%
Top Weaknesses
48
48th pctile
Non-Interest Income / Assets
Current: 0.35% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
56
56th pctile
Efficiency Ratio
Current: 63.84% · Tier avg: 67.73%
58
58th pctile
Delinquency Rate
Current: 0.26% · Tier avg: 0.64%
59
59th pctile
Nonperforming Asset Ratio
Current: 0.18% · Tier avg: 0.45%
60
60th pctile
Loan-to-Deposit Ratio
Current: 81.16% · Tier avg: 74.53%
65
65th pctile
Net Interest Margin
Current: 4.14% · Tier avg: 3.85%
66
66th pctile
Total Deposits
Current: $228.0M · Tier avg: $183.7M
66
66th pctile
Total Assets
Current: $271.8M · Tier avg: $217.5M
70
70th pctile
Total Loans
Current: $185.0M · Tier avg: $139.2M
74
74th pctile
Return on Assets
Current: 1.48% · Tier avg: 1.08%
91
91th pctile
Non-Interest-Bearing Deposit Share
Current: 37.24% · Tier avg: 22.39%