BlastPoint's Banking Scorecard
Heritage Bank of St Tammany
Micro
Specialty: Commercial
LA
FDIC cert 29577
Designations: ✓ Community bank
Covington, LA
2498
banks in Micro tier nationally
66 in LA
View Micro leaderboard (LA) →
Heritage Bank of St Tammany shows stable performance across key metrics
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$179.1M
-1.2% YoY
-3.4% QoQ
|
-$38.4M |
$217.5M
+2.3% YoY
|
$757.6M
+4.2% YoY
|
$5.9B
+6.5% YoY
|
45% |
| Total Loans ? |
$144.5M
-1.0% YoY
-0.4% QoQ
|
+$5.3M |
$139.2M
+2.8% YoY
|
$510.8M
+1.6% YoY
|
$3.1B
+8.5% YoY
|
59% |
| Total Deposits ? |
$148.9M
+2.7% YoY
-6.3% QoQ
|
-$34.8M |
$183.7M
+1.8% YoY
|
$647.1M
+4.0% YoY
|
$4.7B
+6.3% YoY
|
45% |
| Return on Assets ? |
0.35%
+17.7% QoQ
|
-0.73% |
1.08%
+14.7% YoY
|
1.09%
+11.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 14% in tier |
| Net Interest Margin ? |
2.99%
+27.3% YoY
+3.1% QoQ
|
-0.86% |
3.85%
+6.6% YoY
|
4.11%
+6.6% YoY
|
3.75%
+7.1% YoY
|
16% |
| Efficiency Ratio ? |
86.47%
-14.2% YoY
-2.6% QoQ
|
+18.74% |
67.73%
-4.8% YoY
|
68.99%
-3.0% YoY
|
65.09%
-5.1% YoY
|
Bottom 12% in tier |
| Delinquency Rate ? |
0.65%
+23.0% YoY
+40.2% QoQ
|
+0.01% |
0.64%
+24.4% YoY
|
1.20%
-3.6% YoY
|
0.66%
+20.3% YoY
|
39% |
| Loan-to-Deposit Ratio ? |
97.09%
-3.6% YoY
+6.4% QoQ
|
+22.56% |
74.53%
+0.5% YoY
|
76.53%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Top 12% in tier |
| Non-Interest-Bearing Deposit Share ? |
11.43%
-2.6% YoY
+7.8% QoQ
|
-10.96% |
22.39%
-1.3% YoY
|
23.36%
-2.3% YoY
|
21.79%
-1.3% YoY
|
Bottom 14% in tier |
| Nonperforming Asset Ratio ? |
0.53%
+23.2% YoY
+44.6% QoQ
|
+0.08% |
0.45%
+25.1% YoY
|
0.96%
+1.0% YoY
|
0.48%
+20.8% YoY
|
36% |
| 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 ? |
0.56%
+63.5% YoY
+38.1% QoQ
|
0 |
0.56%
+0.3% YoY
|
0.55%
-11.7% YoY
|
0.65%
+0.6% YoY
|
74% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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
88
88th pctile
Loan-to-Deposit Ratio
Current: 97.09% · Tier avg: 74.53%
74
74th pctile
Non-Interest Income / Assets
Current: 0.56% · Tier avg: 0.56%
59
59th pctile
Total Loans
Current: $144.5M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
45
45th pctile
Total Assets
Current: $179.1M · Tier avg: $217.5M
45
45th pctile
Total Deposits
Current: $148.9M · Tier avg: $183.7M
39
39th pctile
Delinquency Rate
Current: 0.65% · Tier avg: 0.64%
36
36th pctile
Nonperforming Asset Ratio
Current: 0.53% · Tier avg: 0.45%
16
16th pctile
Net Interest Margin
Current: 2.99% · Tier avg: 3.85%
14
14th pctile
Non-Interest-Bearing Deposit Share
Current: 11.43% · Tier avg: 22.39%
14
14th pctile
Return on Assets
Current: 0.35% · Tier avg: 1.08%
12
12th pctile
Efficiency Ratio
Current: 86.47% · Tier avg: 67.73%
Top Weaknesses
12
12th pctile
Efficiency Ratio
Current: 86.47% · Tier avg: 67.73%
14
14th pctile
Return on Assets
Current: 0.35% · Tier avg: 1.08%
14
14th pctile
Non-Interest-Bearing Deposit Share
Current: 11.43% · Tier avg: 22.39%
16
16th pctile
Net Interest Margin
Current: 2.99% · Tier avg: 3.85%
36
36th pctile
Nonperforming Asset Ratio
Current: 0.53% · Tier avg: 0.45%
39
39th pctile
Delinquency Rate
Current: 0.65% · Tier avg: 0.64%
45
45th pctile
Total Deposits
Current: $148.9M · Tier avg: $183.7M
45
45th pctile
Total Assets
Current: $179.1M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
59
59th pctile
Total Loans
Current: $144.5M · Tier avg: $139.2M
74
74th pctile
Non-Interest Income / Assets
Current: 0.56% · Tier avg: 0.56%
88
88th pctile
Loan-to-Deposit Ratio
Current: 97.09% · Tier avg: 74.53%