BlastPoint's Banking Scorecard
Hibernia Bank
Micro
Specialty: Commercial
LA
FDIC cert 27752
Designations: ✓ Community bank ✓ Mutual
New Orleans, LA
2498
banks in Micro tier nationally
66 in LA
View Micro leaderboard (LA) →
Hibernia Bank faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 1.37% below tier
- - Net Interest Margin 1.67% below tier
- - Efficiency Ratio 46.12% above tier
- - Non-Interest-Bearing Deposit Share 17.50% below tier
- - Non-Interest Income / Assets 0.51% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$246.0M
-4.9% YoY
+1.5% QoQ
|
+$28.5M |
$217.5M
+2.3% YoY
|
$757.6M
+4.2% YoY
|
$5.9B
+6.5% YoY
|
62% |
| Total Loans ? |
$185.9M
-3.3% YoY
-1.4% QoQ
|
+$46.8M |
$139.2M
+2.8% YoY
|
$510.8M
+1.6% YoY
|
$3.1B
+8.5% YoY
|
70% |
| Total Deposits ? |
$211.2M
-5.1% YoY
+2.1% QoQ
|
+$27.5M |
$183.7M
+1.8% YoY
|
$647.1M
+4.0% YoY
|
$4.7B
+6.3% YoY
|
62% |
| Return on Assets ? |
-0.29%
+55.1% YoY
-54.7% QoQ
|
-1.37% |
1.08%
+14.7% YoY
|
1.09%
+11.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 4% in tier |
| Net Interest Margin ? |
2.18%
+13.5% YoY
-2.3% QoQ
|
-1.67% |
3.85%
+6.6% YoY
|
4.11%
+6.6% YoY
|
3.75%
+7.1% YoY
|
Bottom 3% in tier |
| Efficiency Ratio ? |
113.85%
-2.8% YoY
+3.6% QoQ
|
+46.12% |
67.73%
-4.8% YoY
|
68.99%
-3.0% YoY
|
65.09%
-5.1% YoY
|
Bottom 2% in tier |
| Delinquency Rate ? |
1.64%
-43.3% YoY
-32.8% QoQ
|
+1.00% |
0.64%
+24.4% YoY
|
1.20%
-3.6% YoY
|
0.66%
+20.3% YoY
|
17% |
| Loan-to-Deposit Ratio ? |
88.05%
+1.9% YoY
-3.4% QoQ
|
+13.52% |
74.53%
+0.5% YoY
|
76.53%
+1.5% YoY
|
78.04%
+0.7% YoY
|
27% |
| Non-Interest-Bearing Deposit Share ? |
4.89%
+5.2% YoY
-10.8% QoQ
|
-17.50% |
22.39%
-1.3% YoY
|
23.36%
-2.3% YoY
|
21.79%
-1.3% YoY
|
Bottom 5% in tier |
| Nonperforming Asset Ratio ? |
1.24%
-42.3% YoY
-34.7% QoQ
|
+0.79% |
0.45%
+25.1% YoY
|
0.96%
+1.0% YoY
|
0.48%
+20.8% YoY
|
Bottom 15% in tier |
| 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 ? |
0.05%
+4.2% YoY
+31.7% QoQ
|
-0.51% |
0.56%
+0.3% YoY
|
0.55%
-11.7% YoY
|
0.65%
+0.6% YoY
|
Bottom 3% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (5)
Return on Assets
metric
Bottom 4%
in Micro
Why this stands out
Current:
-0.29%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 3%
in Micro
Why this stands out
Current:
2.18%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 2%
in Micro
Why this stands out
Current:
113.85%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest-Bearing Deposit Share
metric
Bottom 5%
in Micro
Why this stands out
Current:
4.89%
(Tier avg: 22.39%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Bottom 3%
in Micro
Why this stands out
Current:
0.05%
(Tier avg: 0.56%, National avg: 0.65%)
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
70
70th pctile
Total Loans
Current: $185.9M · Tier avg: $139.2M
62
62th pctile
Total Deposits
Current: $211.2M · Tier avg: $183.7M
62
62th pctile
Total Assets
Current: $246.0M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
27
27th pctile
Loan-to-Deposit Ratio
Current: 88.05% · Tier avg: 74.53%
17
17th pctile
Delinquency Rate
Current: 1.64% · Tier avg: 0.64%
15
15th pctile
Nonperforming Asset Ratio
Current: 1.24% · Tier avg: 0.45%
5
5th pctile
Non-Interest-Bearing Deposit Share
Current: 4.89% · Tier avg: 22.39%
4
4th pctile
Return on Assets
Current: -0.29% · Tier avg: 1.08%
3
3th pctile
Net Interest Margin
Current: 2.18% · Tier avg: 3.85%
3
3th pctile
Non-Interest Income / Assets
Current: 0.05% · Tier avg: 0.56%
2
2th pctile
Efficiency Ratio
Current: 113.85% · Tier avg: 67.73%
Top Weaknesses
2
2th pctile
Efficiency Ratio
Current: 113.85% · Tier avg: 67.73%
3
3th pctile
Non-Interest Income / Assets
Current: 0.05% · Tier avg: 0.56%
3
3th pctile
Net Interest Margin
Current: 2.18% · Tier avg: 3.85%
4
4th pctile
Return on Assets
Current: -0.29% · Tier avg: 1.08%
5
5th pctile
Non-Interest-Bearing Deposit Share
Current: 4.89% · Tier avg: 22.39%
15
15th pctile
Nonperforming Asset Ratio
Current: 1.24% · Tier avg: 0.45%
17
17th pctile
Delinquency Rate
Current: 1.64% · Tier avg: 0.64%
27
27th pctile
Loan-to-Deposit Ratio
Current: 88.05% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
62
62th pctile
Total Assets
Current: $246.0M · Tier avg: $217.5M
62
62th pctile
Total Deposits
Current: $211.2M · Tier avg: $183.7M
70
70th pctile
Total Loans
Current: $185.9M · Tier avg: $139.2M