BlastPoint's Banking Scorecard
Liberty Bank and Trust Company
Community
Specialty: Commercial
LA
FDIC cert 20856
New Orleans, LA
1484
banks in Community tier nationally
37 in LA
View Community leaderboard (LA) →
Liberty Bank and Trust Company has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 8.90% above tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 5% in Community
- - Cost Spiral: Bottom 87% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+2.7% YoY
-1.0% QoQ
|
-$286.1M |
$1.4B
+2.0% YoY
|
$757.6M
+4.2% YoY
|
$5.9B
+6.5% YoY
|
56% |
| Total Loans ? |
$614.8M
-1.2% YoY
+0.1% QoQ
|
-$360.7M |
$975.5M
+2.4% YoY
|
$510.8M
+1.6% YoY
|
$3.1B
+8.5% YoY
|
43% |
| Total Deposits ? |
$957.1M
+1.9% YoY
-1.5% QoQ
|
-$207.5M |
$1.2B
+1.7% YoY
|
$647.1M
+4.0% YoY
|
$4.7B
+6.3% YoY
|
57% |
| Return on Assets ? |
0.86%
-29.6% YoY
-16.7% QoQ
|
-0.31% |
1.16%
+17.2% YoY
|
1.09%
+11.0% YoY
|
1.12%
+15.6% YoY
|
29% |
| Net Interest Margin ? |
4.15%
+2.3% YoY
+0.2% QoQ
|
+0.49% |
3.66%
+9.1% YoY
|
4.11%
+6.6% YoY
|
3.75%
+7.1% YoY
|
76% |
| Efficiency Ratio ? |
74.02%
+8.6% YoY
+5.1% QoQ
|
+11.39% |
62.63%
-5.3% YoY
|
68.99%
-3.0% YoY
|
65.09%
-5.1% YoY
|
19% |
| Delinquency Rate ? |
0.91%
+18.1% YoY
+20.5% QoQ
|
+0.28% |
0.63%
+18.3% YoY
|
1.20%
-3.6% YoY
|
0.66%
+20.3% YoY
|
28% |
| Loan-to-Deposit Ratio ? |
64.23%
-3.0% YoY
+1.6% QoQ
|
-18.83% |
83.06%
+0.3% YoY
|
76.53%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Top 13% in tier |
| Non-Interest-Bearing Deposit Share ? |
23.47%
-6.7% YoY
-2.0% QoQ
|
+2.43% |
21.05%
-0.9% YoY
|
23.36%
-2.3% YoY
|
21.79%
-1.3% YoY
|
64% |
| Nonperforming Asset Ratio ? |
0.67%
+16.1% YoY
+17.1% QoQ
|
+0.17% |
0.50%
+20.3% YoY
|
0.96%
+1.0% YoY
|
0.48%
+20.8% YoY
|
30% |
| Tier 1 Capital Ratio ? |
19.15%
+3.7% YoY
-5.5% QoQ
|
+8.90% |
10.24%
-0.6% YoY
|
8.68%
-5.6% YoY
|
9.75%
-1.9% YoY
|
Top 8% in tier |
| Non-Interest Income / Assets ? |
0.83%
-28.5% YoY
+79.1% QoQ
|
+0.09% |
0.74%
-1.3% YoY
|
0.55%
-11.7% YoY
|
0.65%
+0.6% YoY
|
79% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 8%
in Community
Why this stands out
Current:
19.15%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (2)
Margin Compression
decline
#7 of 120 · Bottom 5% in Community
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
0.86%
(Tier: 1.16%, National: 1.12%)
120 of 120 Community banks match
·
147 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Cost Spiral
risk
#35 of 40 · Bottom 87% in Community
Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Why this signature
Efficiency Ratio:
74.02%
(Tier: 62.63%, National: 65.09%)
40 of 40 Community banks match
·
50 nationally
↓ Shrinking
-10 banks QoQ
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
92
92th pctile
Tier 1 Capital Ratio
Current: 19.15% · Tier avg: 10.24%
87
87th pctile
Loan-to-Deposit Ratio
Current: 64.23% · Tier avg: 83.06%
79
79th pctile
Non-Interest Income / Assets
Current: 0.83% · Tier avg: 0.74%
76
76th pctile
Net Interest Margin
Current: 4.15% · Tier avg: 3.66%
64
64th pctile
Non-Interest-Bearing Deposit Share
Current: 23.47% · Tier avg: 21.05%
57
57th pctile
Total Deposits
Current: $957.1M · Tier avg: $1.2B
56
56th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
43
43th pctile
Total Loans
Current: $614.8M · Tier avg: $975.5M
30
30th pctile
Nonperforming Asset Ratio
Current: 0.67% · Tier avg: 0.50%
29
29th pctile
Return on Assets
Current: 0.86% · Tier avg: 1.16%
28
28th pctile
Delinquency Rate
Current: 0.91% · Tier avg: 0.63%
19
19th pctile
Efficiency Ratio
Current: 74.02% · Tier avg: 62.63%
Top Weaknesses
19
19th pctile
Efficiency Ratio
Current: 74.02% · Tier avg: 62.63%
28
28th pctile
Delinquency Rate
Current: 0.91% · Tier avg: 0.63%
29
29th pctile
Return on Assets
Current: 0.86% · Tier avg: 1.16%
30
30th pctile
Nonperforming Asset Ratio
Current: 0.67% · Tier avg: 0.50%
43
43th pctile
Total Loans
Current: $614.8M · Tier avg: $975.5M
56
56th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
57
57th pctile
Total Deposits
Current: $957.1M · Tier avg: $1.2B
64
64th pctile
Non-Interest-Bearing Deposit Share
Current: 23.47% · Tier avg: 21.05%
76
76th pctile
Net Interest Margin
Current: 4.15% · Tier avg: 3.66%
79
79th pctile
Non-Interest Income / Assets
Current: 0.83% · Tier avg: 0.74%
87
87th pctile
Loan-to-Deposit Ratio
Current: 64.23% · Tier avg: 83.06%
92
92th pctile
Tier 1 Capital Ratio
Current: 19.15% · Tier avg: 10.24%