BlastPoint's Banking Scorecard
Fifth District Savings Bank
Community
Specialty: Mortgage
LA
FDIC cert 27697
New Orleans, LA
1484
banks in Community tier nationally
37 in LA
View Community leaderboard (LA) →
Fifth District Savings Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 30.92% above tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 6% in Community
- - Flatlined Growth: Bottom 36% in Community
- - Net Interest Margin 1.11% below tier
- - Non-Interest-Bearing Deposit Share 19.14% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$534.2M
+1.4% YoY
-0.9% QoQ
|
-$857.2M |
$1.4B
+2.0% YoY
|
$757.6M
+4.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 5% in tier |
| Total Loans ? |
$376.4M
+2.5% YoY
-0.8% QoQ
|
-$599.1M |
$975.5M
+2.4% YoY
|
$510.8M
+1.6% YoY
|
$3.1B
+8.5% YoY
|
Bottom 12% in tier |
| Total Deposits ? |
$418.5M
-0.0% YoY
-1.2% QoQ
|
-$746.1M |
$1.2B
+1.7% YoY
|
$647.1M
+4.0% YoY
|
$4.7B
+6.3% YoY
|
Bottom 2% in tier |
| Return on Assets ? |
0.79%
-12.6% QoQ
|
-0.37% |
1.16%
+17.2% YoY
|
1.09%
+11.0% YoY
|
1.12%
+15.6% YoY
|
24% |
| Net Interest Margin ? |
2.56%
+20.5% YoY
+2.0% QoQ
|
-1.11% |
3.66%
+9.1% YoY
|
4.11%
+6.6% YoY
|
3.75%
+7.1% YoY
|
Bottom 7% in tier |
| Efficiency Ratio ? |
74.45%
-27.2% YoY
+2.2% QoQ
|
+11.82% |
62.63%
-5.3% YoY
|
68.99%
-3.0% YoY
|
65.09%
-5.1% YoY
|
18% |
| Delinquency Rate ? |
0.14%
-50.6% YoY
+175.5% QoQ
|
-0.48% |
0.63%
+18.3% YoY
|
1.20%
-3.6% YoY
|
0.66%
+20.3% YoY
|
77% |
| Loan-to-Deposit Ratio ? |
89.93%
+2.5% YoY
+0.4% QoQ
|
+6.87% |
83.06%
+0.3% YoY
|
76.53%
+1.5% YoY
|
78.04%
+0.7% YoY
|
35% |
| Non-Interest-Bearing Deposit Share ? |
1.90%
+15.7% YoY
+8.3% QoQ
|
-19.14% |
21.05%
-0.9% YoY
|
23.36%
-2.3% YoY
|
21.79%
-1.3% YoY
|
Bottom 2% in tier |
| Nonperforming Asset Ratio ? |
0.11%
-48.2% YoY
+145.3% QoQ
|
-0.39% |
0.50%
+20.3% YoY
|
0.96%
+1.0% YoY
|
0.48%
+20.8% YoY
|
76% |
| Tier 1 Capital Ratio ? |
41.17%
-4.8% YoY
-0.7% QoQ
|
+30.92% |
10.24%
-0.6% YoY
|
8.68%
-5.6% YoY
|
9.75%
-1.9% YoY
|
Top 1% in tier |
| Non-Interest Income / Assets ? |
0.81%
+320.1% YoY
+6.0% QoQ
|
+0.07% |
0.74%
-1.3% YoY
|
0.55%
-11.7% YoY
|
0.65%
+0.6% YoY
|
78% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 1%
in Community
Why this stands out
Current:
41.17%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (4)
Liquidity Overhang
risk
#18 of 268 · Bottom 6% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
41.17%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
89.93%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Flatlined Growth
risk
#89 of 245 · Bottom 36% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
0.79%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
Net Interest Margin
metric
Bottom 7%
in Community
Why this stands out
Current:
2.56%
(Tier avg: 3.66%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Bottom 2%
in Community
Why this stands out
Current:
1.90%
(Tier avg: 21.05%, National avg: 21.79%)
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
Tier 1 Capital Ratio
Current: 41.17% · Tier avg: 10.24%
78
78th pctile
Non-Interest Income / Assets
Current: 0.81% · Tier avg: 0.74%
77
77th pctile
Delinquency Rate
Current: 0.14% · Tier avg: 0.63%
76
76th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.50%
35
35th pctile
Loan-to-Deposit Ratio
Current: 89.93% · Tier avg: 83.06%
24
24th pctile
Return on Assets
Current: 0.79% · Tier avg: 1.16%
18
18th pctile
Efficiency Ratio
Current: 74.45% · Tier avg: 62.63%
12
12th pctile
Total Loans
Current: $376.4M · Tier avg: $975.5M
7
7th pctile
Net Interest Margin
Current: 2.56% · Tier avg: 3.66%
5
5th pctile
Total Assets
Current: $534.2M · Tier avg: $1.4B
2
2th pctile
Total Deposits
Current: $418.5M · Tier avg: $1.2B
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 1.90% · Tier avg: 21.05%
Top Weaknesses
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 1.90% · Tier avg: 21.05%
2
2th pctile
Total Deposits
Current: $418.5M · Tier avg: $1.2B
5
5th pctile
Total Assets
Current: $534.2M · Tier avg: $1.4B
7
7th pctile
Net Interest Margin
Current: 2.56% · Tier avg: 3.66%
12
12th pctile
Total Loans
Current: $376.4M · Tier avg: $975.5M
18
18th pctile
Efficiency Ratio
Current: 74.45% · Tier avg: 62.63%
24
24th pctile
Return on Assets
Current: 0.79% · Tier avg: 1.16%
35
35th pctile
Loan-to-Deposit Ratio
Current: 89.93% · Tier avg: 83.06%
76
76th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.50%
77
77th pctile
Delinquency Rate
Current: 0.14% · Tier avg: 0.63%
78
78th pctile
Non-Interest Income / Assets
Current: 0.81% · Tier avg: 0.74%
100
100th pctile
Tier 1 Capital Ratio
Current: 41.17% · Tier avg: 10.24%