BlastPoint's Banking Scorecard
South Louisiana Bank
Community
Specialty: Commercial
LA
FDIC cert 23144
Houma, LA
1484
banks in Community tier nationally
37 in LA
View Community leaderboard (LA) →
South Louisiana Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 24% in Community
- + Deposit Franchise: Top 46% in Community
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 5% in Community
- - Deposit Outflow: Bottom 21% in Community
- - Credit Risk Growth: Bottom 24% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$656.9M
-2.5% YoY
-0.0% QoQ
|
-$734.5M |
$1.4B
+2.0% YoY
|
$757.6M
+4.2% YoY
|
$5.9B
+6.5% YoY
|
22% |
| Total Loans ? |
$357.7M
+6.6% YoY
+1.1% QoQ
|
-$617.8M |
$975.5M
+2.4% YoY
|
$510.8M
+1.6% YoY
|
$3.1B
+8.5% YoY
|
Bottom 9% in tier |
| Total Deposits ? |
$550.4M
-1.0% YoY
+0.5% QoQ
|
-$614.2M |
$1.2B
+1.7% YoY
|
$647.1M
+4.0% YoY
|
$4.7B
+6.3% YoY
|
21% |
| Return on Assets ? |
1.51%
+9.3% YoY
+2.9% QoQ
|
+0.35% |
1.16%
+17.2% YoY
|
1.09%
+11.0% YoY
|
1.12%
+15.6% YoY
|
74% |
| Net Interest Margin ? |
4.56%
+10.6% YoY
+1.6% QoQ
|
+0.89% |
3.66%
+9.1% YoY
|
4.11%
+6.6% YoY
|
3.75%
+7.1% YoY
|
Top 12% in tier |
| Efficiency Ratio ? |
63.11%
+1.9% YoY
+0.0% QoQ
|
+0.47% |
62.63%
-5.3% YoY
|
68.99%
-3.0% YoY
|
65.09%
-5.1% YoY
|
47% |
| Delinquency Rate ? |
0.48%
+9.7% YoY
+31.6% QoQ
|
-0.15% |
0.63%
+18.3% YoY
|
1.20%
-3.6% YoY
|
0.66%
+20.3% YoY
|
48% |
| Loan-to-Deposit Ratio ? |
64.98%
+7.7% YoY
+0.6% QoQ
|
-18.09% |
83.06%
+0.3% YoY
|
76.53%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Bottom 13% in tier |
| Non-Interest-Bearing Deposit Share ? |
35.40%
-6.3% YoY
-0.7% QoQ
|
+14.36% |
21.05%
-0.9% YoY
|
23.36%
-2.3% YoY
|
21.79%
-1.3% YoY
|
Top 8% in tier |
| Nonperforming Asset Ratio ? |
0.26%
-16.1% YoY
+33.1% QoQ
|
-0.24% |
0.50%
+20.3% YoY
|
0.96%
+1.0% YoY
|
0.48%
+20.8% YoY
|
58% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
8.68%
-5.6% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
1.49%
+5.9% YoY
+38.7% QoQ
|
+0.75% |
0.74%
-1.3% YoY
|
0.55%
-11.7% YoY
|
0.65%
+0.6% YoY
|
Top 7% in tier |
Signature Analysis
Strengths (2)
Revenue Diversifier
growth
#88 of 371 · Top 24% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.49%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.51%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Deposit Franchise
growth
#69 of 150 · Top 46% in Community
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
35.40%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
4.56%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank improving
Concerns (3)
Capital Thin
risk
#24 of 432 · Bottom 5% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank declining
Deposit Outflow
decline
#53 of 248 · Bottom 21% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
|
QoQ rank declining
Credit Risk Growth
risk
#157 of 642 · Bottom 24% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 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
93
93th pctile
Non-Interest Income / Assets
Current: 1.49% · Tier avg: 0.74%
92
92th pctile
Non-Interest-Bearing Deposit Share
Current: 35.40% · Tier avg: 21.05%
88
88th pctile
Net Interest Margin
Current: 4.56% · Tier avg: 3.66%
74
74th pctile
Return on Assets
Current: 1.51% · Tier avg: 1.16%
58
58th pctile
Nonperforming Asset Ratio
Current: 0.26% · Tier avg: 0.50%
48
48th pctile
Delinquency Rate
Current: 0.48% · Tier avg: 0.63%
47
47th pctile
Efficiency Ratio
Current: 63.11% · Tier avg: 62.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
22
22th pctile
Total Assets
Current: $656.9M · Tier avg: $1.4B
21
21th pctile
Total Deposits
Current: $550.4M · Tier avg: $1.2B
13
13th pctile
Loan-to-Deposit Ratio
Current: 64.98% · Tier avg: 83.06%
9
9th pctile
Total Loans
Current: $357.7M · Tier avg: $975.5M
Top Weaknesses
9
9th pctile
Total Loans
Current: $357.7M · Tier avg: $975.5M
13
13th pctile
Loan-to-Deposit Ratio
Current: 64.98% · Tier avg: 83.06%
21
21th pctile
Total Deposits
Current: $550.4M · Tier avg: $1.2B
22
22th pctile
Total Assets
Current: $656.9M · Tier avg: $1.4B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
47
47th pctile
Efficiency Ratio
Current: 63.11% · Tier avg: 62.63%
48
48th pctile
Delinquency Rate
Current: 0.48% · Tier avg: 0.63%
58
58th pctile
Nonperforming Asset Ratio
Current: 0.26% · Tier avg: 0.50%
74
74th pctile
Return on Assets
Current: 1.51% · Tier avg: 1.16%
88
88th pctile
Net Interest Margin
Current: 4.56% · Tier avg: 3.66%
92
92th pctile
Non-Interest-Bearing Deposit Share
Current: 35.40% · Tier avg: 21.05%
93
93th pctile
Non-Interest Income / Assets
Current: 1.49% · Tier avg: 0.74%