BlastPoint's Banking Scorecard
First National Bank USA
Micro
Specialty: Commercial
LA
FDIC cert 22046
Designations: ✓ Community bank
Boutte, LA
2498
banks in Micro tier nationally
66 in LA
View Micro leaderboard (LA) →
First National Bank USA shows strong momentum with 1 strength and 8.6% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.17% 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 ? |
$225.3M
+8.6% YoY
+3.2% QoQ
|
+$7.9M |
$217.5M
+2.3% YoY
|
$757.6M
+4.2% YoY
|
$5.9B
+6.5% YoY
|
57% |
| Total Loans ? |
$109.4M
+6.6% YoY
+1.7% QoQ
|
-$29.8M |
$139.2M
+2.8% YoY
|
$510.8M
+1.6% YoY
|
$3.1B
+8.5% YoY
|
46% |
| Total Deposits ? |
$191.4M
+7.8% YoY
+3.7% QoQ
|
+$7.7M |
$183.7M
+1.8% YoY
|
$647.1M
+4.0% YoY
|
$4.7B
+6.3% YoY
|
57% |
| Return on Assets ? |
1.93%
-22.8% YoY
-0.2% QoQ
|
+0.85% |
1.08%
+14.7% YoY
|
1.09%
+11.0% YoY
|
1.12%
+15.6% YoY
|
Top 11% in tier |
| Net Interest Margin ? |
5.02%
-0.5% YoY
-1.6% QoQ
|
+1.17% |
3.85%
+6.6% YoY
|
4.11%
+6.6% YoY
|
3.75%
+7.1% YoY
|
Top 9% in tier |
| Efficiency Ratio ? |
52.08%
+9.6% YoY
+0.5% QoQ
|
-15.65% |
67.73%
-4.8% YoY
|
68.99%
-3.0% YoY
|
65.09%
-5.1% YoY
|
Top 14% in tier |
| Delinquency Rate ? |
0.03%
-74.5% YoY
-1.7% QoQ
|
-0.61% |
0.64%
+24.4% YoY
|
1.20%
-3.6% YoY
|
0.66%
+20.3% YoY
|
78% |
| Loan-to-Deposit Ratio ? |
57.17%
-1.2% YoY
-2.0% QoQ
|
-17.36% |
74.53%
+0.5% YoY
|
76.53%
+1.5% YoY
|
78.04%
+0.7% YoY
|
80% |
| Non-Interest-Bearing Deposit Share ? |
25.56%
+11.7% YoY
-6.8% QoQ
|
+3.17% |
22.39%
-1.3% YoY
|
23.36%
-2.3% YoY
|
21.79%
-1.3% YoY
|
65% |
| Nonperforming Asset Ratio ? |
0.02%
-75.0% YoY
-3.1% QoQ
|
-0.44% |
0.45%
+25.1% YoY
|
0.96%
+1.0% YoY
|
0.48%
+20.8% YoY
|
80% |
| 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 ? |
0.26%
-76.3% YoY
+26.0% QoQ
|
-0.31% |
0.56%
+0.3% YoY
|
0.55%
-11.7% YoY
|
0.65%
+0.6% YoY
|
33% |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 9%
in Micro
Why this stands out
Current:
5.02%
(Tier avg: 3.85%, National avg: 3.75%)
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
Net Interest Margin
Current: 5.02% · Tier avg: 3.85%
89
89th pctile
Return on Assets
Current: 1.93% · Tier avg: 1.08%
86
86th pctile
Efficiency Ratio
Current: 52.08% · Tier avg: 67.73%
80
80th pctile
Loan-to-Deposit Ratio
Current: 57.17% · Tier avg: 74.53%
80
80th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.45%
78
78th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.64%
65
65th pctile
Non-Interest-Bearing Deposit Share
Current: 25.56% · Tier avg: 22.39%
57
57th pctile
Total Deposits
Current: $191.4M · Tier avg: $183.7M
57
57th pctile
Total Assets
Current: $225.3M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
46
46th pctile
Total Loans
Current: $109.4M · Tier avg: $139.2M
33
33th pctile
Non-Interest Income / Assets
Current: 0.26% · Tier avg: 0.56%
Top Weaknesses
33
33th pctile
Non-Interest Income / Assets
Current: 0.26% · Tier avg: 0.56%
46
46th pctile
Total Loans
Current: $109.4M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
57
57th pctile
Total Assets
Current: $225.3M · Tier avg: $217.5M
57
57th pctile
Total Deposits
Current: $191.4M · Tier avg: $183.7M
65
65th pctile
Non-Interest-Bearing Deposit Share
Current: 25.56% · Tier avg: 22.39%
78
78th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.64%
80
80th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.45%
80
80th pctile
Loan-to-Deposit Ratio
Current: 57.17% · Tier avg: 74.53%
86
86th pctile
Efficiency Ratio
Current: 52.08% · Tier avg: 67.73%
89
89th pctile
Return on Assets
Current: 1.93% · Tier avg: 1.08%
91
91th pctile
Net Interest Margin
Current: 5.02% · Tier avg: 3.85%