BlastPoint's Banking Scorecard
Bonvenu Bank, National Association
Community
Specialty: Commercial
LA
FDIC cert 26381
Bossier City, LA
1484
banks in Community tier nationally
37 in LA
View Community leaderboard (LA) →
Bonvenu Bank, National Association has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 20% in Community
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 5% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.6B
+5.1% YoY
+6.1% QoQ
|
+$230.9M |
$1.4B
+2.0% YoY
|
$757.6M
+4.2% YoY
|
$5.9B
+6.5% YoY
|
73% |
| Total Loans ? |
$1.0B
-4.9% YoY
-1.8% QoQ
|
+$31.7M |
$975.5M
+2.4% YoY
|
$510.8M
+1.6% YoY
|
$3.1B
+8.5% YoY
|
68% |
| Total Deposits ? |
$1.4B
+5.2% YoY
+7.0% QoQ
|
+$251.0M |
$1.2B
+1.7% YoY
|
$647.1M
+4.0% YoY
|
$4.7B
+6.3% YoY
|
75% |
| Return on Assets ? |
0.54%
+36.7% YoY
+2.8% QoQ
|
-0.63% |
1.16%
+17.2% YoY
|
1.09%
+11.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 13% in tier |
| Net Interest Margin ? |
2.96%
+8.8% YoY
+1.1% QoQ
|
-0.70% |
3.66%
+9.1% YoY
|
4.11%
+6.6% YoY
|
3.75%
+7.1% YoY
|
16% |
| Efficiency Ratio ? |
79.24%
-5.4% YoY
+0.3% QoQ
|
+16.61% |
62.63%
-5.3% YoY
|
68.99%
-3.0% YoY
|
65.09%
-5.1% YoY
|
Bottom 11% in tier |
| Delinquency Rate ? |
0.10%
+17.0% YoY
+117.1% QoQ
|
-0.53% |
0.63%
+18.3% YoY
|
1.20%
-3.6% YoY
|
0.66%
+20.3% YoY
|
82% |
| Loan-to-Deposit Ratio ? |
71.15%
-9.6% YoY
-8.2% QoQ
|
-11.91% |
83.06%
+0.3% YoY
|
76.53%
+1.5% YoY
|
78.04%
+0.7% YoY
|
21% |
| Non-Interest-Bearing Deposit Share ? |
23.71%
-4.0% QoQ
|
+2.67% |
21.05%
-0.9% YoY
|
23.36%
-2.3% YoY
|
21.79%
-1.3% YoY
|
65% |
| Nonperforming Asset Ratio ? |
0.06%
+0.8% YoY
+100.9% QoQ
|
-0.44% |
0.50%
+20.3% YoY
|
0.96%
+1.0% YoY
|
0.48%
+20.8% YoY
|
85% |
| Tier 1 Capital Ratio ? |
14.01%
+5.7% YoY
+2.5% QoQ
|
+3.77% |
10.24%
-0.6% YoY
|
8.68%
-5.6% YoY
|
9.75%
-1.9% YoY
|
68% |
| Non-Interest Income / Assets ? |
0.50%
+9.1% YoY
+27.5% QoQ
|
-0.24% |
0.74%
-1.3% YoY
|
0.55%
-11.7% YoY
|
0.65%
+0.6% YoY
|
47% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#75 of 371 · Top 20% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.10%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Concerns (1)
Credit Quality Pressure
risk
#43 of 808 · Bottom 5% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.10%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 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
85
85th pctile
Nonperforming Asset Ratio
Current: 0.06% · Tier avg: 0.50%
82
82th pctile
Delinquency Rate
Current: 0.10% · Tier avg: 0.63%
75
75th pctile
Total Deposits
Current: $1.4B · Tier avg: $1.2B
73
73th pctile
Total Assets
Current: $1.6B · Tier avg: $1.4B
68
68th pctile
Tier 1 Capital Ratio
Current: 14.01% · Tier avg: 10.24%
68
68th pctile
Total Loans
Current: $1.0B · Tier avg: $975.5M
65
65th pctile
Non-Interest-Bearing Deposit Share
Current: 23.71% · Tier avg: 21.05%
47
47th pctile
Non-Interest Income / Assets
Current: 0.50% · Tier avg: 0.74%
21
21th pctile
Loan-to-Deposit Ratio
Current: 71.15% · Tier avg: 83.06%
16
16th pctile
Net Interest Margin
Current: 2.96% · Tier avg: 3.66%
13
13th pctile
Return on Assets
Current: 0.54% · Tier avg: 1.16%
11
11th pctile
Efficiency Ratio
Current: 79.24% · Tier avg: 62.63%
Top Weaknesses
11
11th pctile
Efficiency Ratio
Current: 79.24% · Tier avg: 62.63%
13
13th pctile
Return on Assets
Current: 0.54% · Tier avg: 1.16%
16
16th pctile
Net Interest Margin
Current: 2.96% · Tier avg: 3.66%
21
21th pctile
Loan-to-Deposit Ratio
Current: 71.15% · Tier avg: 83.06%
47
47th pctile
Non-Interest Income / Assets
Current: 0.50% · Tier avg: 0.74%
65
65th pctile
Non-Interest-Bearing Deposit Share
Current: 23.71% · Tier avg: 21.05%
68
68th pctile
Total Loans
Current: $1.0B · Tier avg: $975.5M
68
68th pctile
Tier 1 Capital Ratio
Current: 14.01% · Tier avg: 10.24%
73
73th pctile
Total Assets
Current: $1.6B · Tier avg: $1.4B
75
75th pctile
Total Deposits
Current: $1.4B · Tier avg: $1.2B
82
82th pctile
Delinquency Rate
Current: 0.10% · Tier avg: 0.63%
85
85th pctile
Nonperforming Asset Ratio
Current: 0.06% · Tier avg: 0.50%