BlastPoint's Banking Scorecard
Plaquemine Bank & Trust Company
Micro
Specialty: Commercial
LA
FDIC cert 19800
Designations: ✓ Community bank
Plaquemine, LA
2498
banks in Micro tier nationally
66 in LA
View Micro leaderboard (LA) →
Plaquemine Bank & Trust Company shows strong momentum with 1 strength and 10.9% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below 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 ? |
$228.6M
+10.9% YoY
+8.7% QoQ
|
+$11.1M |
$217.5M
+2.3% YoY
|
$757.6M
+4.2% YoY
|
$5.9B
+6.5% YoY
|
57% |
| Total Loans ? |
$94.3M
+10.9% YoY
-3.0% QoQ
|
-$44.9M |
$139.2M
+2.8% YoY
|
$510.8M
+1.6% YoY
|
$3.1B
+8.5% YoY
|
41% |
| Total Deposits ? |
$202.3M
+11.1% YoY
+10.0% QoQ
|
+$18.7M |
$183.7M
+1.8% YoY
|
$647.1M
+4.0% YoY
|
$4.7B
+6.3% YoY
|
60% |
| Return on Assets ? |
0.74%
+25.0% YoY
-5.8% QoQ
|
-0.34% |
1.08%
+14.7% YoY
|
1.09%
+11.0% YoY
|
1.12%
+15.6% YoY
|
30% |
| Net Interest Margin ? |
3.27%
+4.5% YoY
-1.6% QoQ
|
-0.59% |
3.85%
+6.6% YoY
|
4.11%
+6.6% YoY
|
3.75%
+7.1% YoY
|
24% |
| Efficiency Ratio ? |
72.23%
-8.1% YoY
+1.6% QoQ
|
+4.50% |
67.73%
-4.8% YoY
|
68.99%
-3.0% YoY
|
65.09%
-5.1% YoY
|
34% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.64% |
0.64%
+24.4% YoY
|
1.20%
-3.6% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
46.60%
-0.1% YoY
-11.8% QoQ
|
-27.93% |
74.53%
+0.5% YoY
|
76.53%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Top 10% in tier |
| Non-Interest-Bearing Deposit Share ? |
16.33%
-9.4% YoY
-10.4% QoQ
|
-6.07% |
22.39%
-1.3% YoY
|
23.36%
-2.3% YoY
|
21.79%
-1.3% YoY
|
27% |
| Nonperforming Asset Ratio ? |
0.01%
-41.2% YoY
|
-0.44% |
0.45%
+25.1% YoY
|
0.96%
+1.0% YoY
|
0.48%
+20.8% YoY
|
80% |
| Tier 1 Capital Ratio ? |
24.75%
+0.7% YoY
+2.8% QoQ
|
+15.90% |
8.85%
-3.4% YoY
|
8.68%
-5.6% YoY
|
9.75%
-1.9% YoY
|
Top 7% in tier |
| Non-Interest Income / Assets ? |
0.19%
-51.0% YoY
+22.4% QoQ
|
-0.37% |
0.56%
+0.3% YoY
|
0.55%
-11.7% YoY
|
0.65%
+0.6% YoY
|
22% |
Signature Analysis
Strengths (1)
Delinquency Rate
metric
Top 1%
in Micro
Delinquency Rate is in the top decile (lowest) of tier peers. Past-due loans as a share of the book are materially cleaner than peers - underwriting and portfolio management are working.
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
93
93th pctile
Tier 1 Capital Ratio
Current: 24.75% · Tier avg: 8.85%
90
90th pctile
Loan-to-Deposit Ratio
Current: 46.60% · Tier avg: 74.53%
80
80th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.45%
60
60th pctile
Total Deposits
Current: $202.3M · Tier avg: $183.7M
57
57th pctile
Total Assets
Current: $228.6M · Tier avg: $217.5M
41
41th pctile
Total Loans
Current: $94.3M · Tier avg: $139.2M
34
34th pctile
Efficiency Ratio
Current: 72.23% · Tier avg: 67.73%
30
30th pctile
Return on Assets
Current: 0.74% · Tier avg: 1.08%
27
27th pctile
Non-Interest-Bearing Deposit Share
Current: 16.33% · Tier avg: 22.39%
24
24th pctile
Net Interest Margin
Current: 3.27% · Tier avg: 3.85%
22
22th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.56%
Top Weaknesses
22
22th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.56%
24
24th pctile
Net Interest Margin
Current: 3.27% · Tier avg: 3.85%
27
27th pctile
Non-Interest-Bearing Deposit Share
Current: 16.33% · Tier avg: 22.39%
30
30th pctile
Return on Assets
Current: 0.74% · Tier avg: 1.08%
34
34th pctile
Efficiency Ratio
Current: 72.23% · Tier avg: 67.73%
41
41th pctile
Total Loans
Current: $94.3M · Tier avg: $139.2M
57
57th pctile
Total Assets
Current: $228.6M · Tier avg: $217.5M
60
60th pctile
Total Deposits
Current: $202.3M · Tier avg: $183.7M
80
80th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.45%
90
90th pctile
Loan-to-Deposit Ratio
Current: 46.60% · Tier avg: 74.53%
93
93th pctile
Tier 1 Capital Ratio
Current: 24.75% · Tier avg: 8.85%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%