BlastPoint's Banking Scorecard
First National Banker's Bank
Community
Specialty: Commercial
LA
FDIC cert 25247
Baton Rouge, LA
1484
banks in Community tier nationally
37 in LA
View Community leaderboard (LA) →
First National Banker's Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 23% in Community
- + Non-Interest-Bearing Deposit Share 77.58% above tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 17% in Community
- - Efficiency Drag: Bottom 26% 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
+12.1% YoY
+8.1% QoQ
|
-$323.8M |
$1.4B
+2.0% YoY
|
$757.6M
+4.2% YoY
|
$5.9B
+6.5% YoY
|
54% |
| Total Loans ? |
$530.8M
-19.7% YoY
-0.6% QoQ
|
-$444.7M |
$975.5M
+2.4% YoY
|
$510.8M
+1.6% YoY
|
$3.1B
+8.5% YoY
|
35% |
| Total Deposits ? |
$451.6M
+33.9% YoY
+9.7% QoQ
|
-$713.0M |
$1.2B
+1.7% YoY
|
$647.1M
+4.0% YoY
|
$4.7B
+6.3% YoY
|
Bottom 5% in tier |
| Return on Assets ? |
0.89%
+1.7% YoY
+2.1% QoQ
|
-0.27% |
1.16%
+17.2% YoY
|
1.09%
+11.0% YoY
|
1.12%
+15.6% YoY
|
31% |
| Net Interest Margin ? |
3.61%
+0.5% YoY
-2.1% QoQ
|
-0.05% |
3.66%
+9.1% YoY
|
4.11%
+6.6% YoY
|
3.75%
+7.1% YoY
|
47% |
| Efficiency Ratio ? |
81.74%
-1.6% YoY
+1.2% QoQ
|
+19.11% |
62.63%
-5.3% YoY
|
68.99%
-3.0% YoY
|
65.09%
-5.1% YoY
|
Bottom 9% in tier |
| Delinquency Rate ? |
0.87%
+45.1% YoY
-3.4% QoQ
|
+0.25% |
0.63%
+18.3% YoY
|
1.20%
-3.6% YoY
|
0.66%
+20.3% YoY
|
30% |
| Loan-to-Deposit Ratio ? |
117.54%
-40.1% YoY
-9.3% QoQ
|
+34.48% |
83.06%
+0.3% YoY
|
76.53%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Bottom 2% in tier |
| Non-Interest-Bearing Deposit Share ? |
98.63%
+0.1% YoY
+0.0% QoQ
|
+77.58% |
21.05%
-0.9% YoY
|
23.36%
-2.3% YoY
|
21.79%
-1.3% YoY
|
Top 1% in tier |
| Nonperforming Asset Ratio ? |
0.43%
+3.8% YoY
-11.1% QoQ
|
-0.06% |
0.50%
+20.3% YoY
|
0.96%
+1.0% YoY
|
0.48%
+20.8% YoY
|
43% |
| 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 ? |
2.61%
+20.2% YoY
+26.3% QoQ
|
+1.87% |
0.74%
-1.3% YoY
|
0.55%
-11.7% YoY
|
0.65%
+0.6% YoY
|
Top 3% in tier |
Signature Analysis
Strengths (2)
Revenue Diversifier
growth
#85 of 371 · Top 23% 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:
2.61%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
0.89%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Non-Interest-Bearing Deposit Share
metric
Top 1%
in Community
Why this stands out
Current:
98.63%
(Tier avg: 21.05%, National avg: 21.79%)
Concerns (2)
Liquidity Strain
risk
#90 of 513 · Bottom 17% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
117.54%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Efficiency Drag
risk
#40 of 152 · Bottom 26% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
81.74%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank declining
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
Non-Interest-Bearing Deposit Share
Current: 98.63% · Tier avg: 21.05%
97
97th pctile
Non-Interest Income / Assets
Current: 2.61% · Tier avg: 0.74%
54
54th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
47
47th pctile
Net Interest Margin
Current: 3.61% · Tier avg: 3.66%
43
43th pctile
Nonperforming Asset Ratio
Current: 0.43% · Tier avg: 0.50%
35
35th pctile
Total Loans
Current: $530.8M · Tier avg: $975.5M
31
31th pctile
Return on Assets
Current: 0.89% · Tier avg: 1.16%
30
30th pctile
Delinquency Rate
Current: 0.87% · Tier avg: 0.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
9
9th pctile
Efficiency Ratio
Current: 81.74% · Tier avg: 62.63%
5
5th pctile
Total Deposits
Current: $451.6M · Tier avg: $1.2B
2
2th pctile
Loan-to-Deposit Ratio
Current: 117.54% · Tier avg: 83.06%
Top Weaknesses
2
2th pctile
Loan-to-Deposit Ratio
Current: 117.54% · Tier avg: 83.06%
5
5th pctile
Total Deposits
Current: $451.6M · Tier avg: $1.2B
9
9th pctile
Efficiency Ratio
Current: 81.74% · Tier avg: 62.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
30
30th pctile
Delinquency Rate
Current: 0.87% · Tier avg: 0.63%
31
31th pctile
Return on Assets
Current: 0.89% · Tier avg: 1.16%
35
35th pctile
Total Loans
Current: $530.8M · Tier avg: $975.5M
43
43th pctile
Nonperforming Asset Ratio
Current: 0.43% · Tier avg: 0.50%
47
47th pctile
Net Interest Margin
Current: 3.61% · Tier avg: 3.66%
54
54th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
97
97th pctile
Non-Interest Income / Assets
Current: 2.61% · Tier avg: 0.74%
100
100th pctile
Non-Interest-Bearing Deposit Share
Current: 98.63% · Tier avg: 21.05%