BlastPoint's Banking Scorecard
Hodge Bank & Trust Company
Micro
Specialty: Commercial
LA
FDIC cert 19354
Designations: ✓ Community bank
Hodge, LA
2498
banks in Micro tier nationally
66 in LA
View Micro leaderboard (LA) →
Hodge Bank & Trust Company has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.23% above tier
- + Efficiency Ratio 20.31% below tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.90% above tier
- - Nonperforming Asset Ratio 1.29% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$116.6M
+18.3% YoY
+7.8% QoQ
|
-$100.9M |
$217.5M
+2.3% YoY
|
$757.6M
+4.2% YoY
|
$5.9B
+6.5% YoY
|
28% |
| Total Loans ? |
$80.1M
+18.1% YoY
+3.2% QoQ
|
-$59.0M |
$139.2M
+2.8% YoY
|
$510.8M
+1.6% YoY
|
$3.1B
+8.5% YoY
|
34% |
| Total Deposits ? |
$98.5M
+20.4% YoY
+9.7% QoQ
|
-$85.2M |
$183.7M
+1.8% YoY
|
$647.1M
+4.0% YoY
|
$4.7B
+6.3% YoY
|
28% |
| Return on Assets ? |
2.31%
+11.6% YoY
-11.0% QoQ
|
+1.23% |
1.08%
+14.7% YoY
|
1.09%
+11.0% YoY
|
1.12%
+15.6% YoY
|
Top 5% in tier |
| Net Interest Margin ? |
4.96%
+9.8% YoY
-0.1% QoQ
|
+1.11% |
3.85%
+6.6% YoY
|
4.11%
+6.6% YoY
|
3.75%
+7.1% YoY
|
Top 10% in tier |
| Efficiency Ratio ? |
47.41%
-7.1% YoY
+4.2% QoQ
|
-20.31% |
67.73%
-4.8% YoY
|
68.99%
-3.0% YoY
|
65.09%
-5.1% YoY
|
Top 7% in tier |
| Delinquency Rate ? |
2.54%
+14.2% YoY
-2.4% QoQ
|
+1.90% |
0.64%
+24.4% YoY
|
1.20%
-3.6% YoY
|
0.66%
+20.3% YoY
|
Bottom 9% in tier |
| Loan-to-Deposit Ratio ? |
81.40%
-1.9% YoY
-6.0% QoQ
|
+6.87% |
74.53%
+0.5% YoY
|
76.53%
+1.5% YoY
|
78.04%
+0.7% YoY
|
39% |
| Non-Interest-Bearing Deposit Share ? |
16.34%
-10.2% YoY
-10.0% QoQ
|
-6.05% |
22.39%
-1.3% YoY
|
23.36%
-2.3% YoY
|
21.79%
-1.3% YoY
|
27% |
| Nonperforming Asset Ratio ? |
1.74%
+13.9% YoY
-6.6% QoQ
|
+1.29% |
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 ? |
0.30%
-15.5% YoY
+23.8% QoQ
|
-0.26% |
0.56%
+0.3% YoY
|
0.55%
-11.7% YoY
|
0.65%
+0.6% YoY
|
41% |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 5%
in Micro
Why this stands out
Current:
2.31%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Top 7%
in Micro
Why this stands out
Current:
47.41%
(Tier avg: 67.73%, National avg: 65.09%)
Concerns (2)
Delinquency Rate
metric
Bottom 9%
in Micro
Why this stands out
Current:
2.54%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 9%
in Micro
Why this stands out
Current:
1.74%
(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
95
95th pctile
Return on Assets
Current: 2.31% · Tier avg: 1.08%
93
93th pctile
Efficiency Ratio
Current: 47.41% · Tier avg: 67.73%
90
90th pctile
Net Interest Margin
Current: 4.96% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
41
41th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.56%
39
39th pctile
Loan-to-Deposit Ratio
Current: 81.40% · Tier avg: 74.53%
34
34th pctile
Total Loans
Current: $80.1M · Tier avg: $139.2M
28
28th pctile
Total Deposits
Current: $98.5M · Tier avg: $183.7M
28
28th pctile
Total Assets
Current: $116.6M · Tier avg: $217.5M
27
27th pctile
Non-Interest-Bearing Deposit Share
Current: 16.34% · Tier avg: 22.39%
9
9th pctile
Nonperforming Asset Ratio
Current: 1.74% · Tier avg: 0.45%
9
9th pctile
Delinquency Rate
Current: 2.54% · Tier avg: 0.64%
Top Weaknesses
9
9th pctile
Delinquency Rate
Current: 2.54% · Tier avg: 0.64%
9
9th pctile
Nonperforming Asset Ratio
Current: 1.74% · Tier avg: 0.45%
27
27th pctile
Non-Interest-Bearing Deposit Share
Current: 16.34% · Tier avg: 22.39%
28
28th pctile
Total Assets
Current: $116.6M · Tier avg: $217.5M
28
28th pctile
Total Deposits
Current: $98.5M · Tier avg: $183.7M
34
34th pctile
Total Loans
Current: $80.1M · Tier avg: $139.2M
39
39th pctile
Loan-to-Deposit Ratio
Current: 81.40% · Tier avg: 74.53%
41
41th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
90
90th pctile
Net Interest Margin
Current: 4.96% · Tier avg: 3.85%
93
93th pctile
Efficiency Ratio
Current: 47.41% · Tier avg: 67.73%
95
95th pctile
Return on Assets
Current: 2.31% · Tier avg: 1.08%