BlastPoint's Banking Scorecard
Abbeville Building & Loan (A State-Chartered Savings Bank)
Micro
Specialty: Other
LA
FDIC cert 30332
Designations: ✓ Community bank ✓ Mutual
Abbeville, LA
2498
banks in Micro tier nationally
66 in LA
View Micro leaderboard (LA) →
Abbeville Building & Loan (A State-Chartered Savings Bank) has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 31.62% above tier
- + Non-Interest Income / Assets 1.03% above tier
Key Concerns
Areas that may need attention
- - Return on Assets 1.02% below tier
- - Efficiency Ratio 31.35% above tier
- - Non-Interest-Bearing Deposit Share 14.38% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$66.0M
+4.5% YoY
-0.7% QoQ
|
-$151.5M |
$217.5M
+2.3% YoY
|
$757.6M
+4.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 12% in tier |
| Total Loans ? |
$43.9M
-1.2% YoY
+0.7% QoQ
|
-$95.3M |
$139.2M
+2.8% YoY
|
$510.8M
+1.6% YoY
|
$3.1B
+8.5% YoY
|
17% |
| Total Deposits ? |
$45.4M
+6.7% YoY
-0.9% QoQ
|
-$138.2M |
$183.7M
+1.8% YoY
|
$647.1M
+4.0% YoY
|
$4.7B
+6.3% YoY
|
Bottom 9% in tier |
| Return on Assets ? |
0.06%
+85.2% YoY
-10.2% QoQ
|
-1.02% |
1.08%
+14.7% YoY
|
1.09%
+11.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 7% in tier |
| Net Interest Margin ? |
3.55%
-7.7% YoY
+0.9% QoQ
|
-0.30% |
3.85%
+6.6% YoY
|
4.11%
+6.6% YoY
|
3.75%
+7.1% YoY
|
36% |
| Efficiency Ratio ? |
99.07%
-0.4% YoY
-0.2% QoQ
|
+31.35% |
67.73%
-4.8% YoY
|
68.99%
-3.0% YoY
|
65.09%
-5.1% YoY
|
Bottom 5% in tier |
| Delinquency Rate ? |
1.62%
-8.2% YoY
-31.8% QoQ
|
+0.98% |
0.64%
+24.4% YoY
|
1.20%
-3.6% YoY
|
0.66%
+20.3% YoY
|
17% |
| Loan-to-Deposit Ratio ? |
96.57%
-7.5% YoY
+1.6% QoQ
|
+22.05% |
74.53%
+0.5% YoY
|
76.53%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Top 13% in tier |
| Non-Interest-Bearing Deposit Share ? |
8.01%
-15.5% YoY
-24.8% QoQ
|
-14.38% |
22.39%
-1.3% YoY
|
23.36%
-2.3% YoY
|
21.79%
-1.3% YoY
|
Bottom 9% in tier |
| Nonperforming Asset Ratio ? |
1.08%
-13.2% YoY
-30.8% QoQ
|
+0.62% |
0.45%
+25.1% YoY
|
0.96%
+1.0% YoY
|
0.48%
+20.8% YoY
|
18% |
| Tier 1 Capital Ratio ? |
40.47%
-3.8% YoY
-2.2% QoQ
|
+31.62% |
8.85%
-3.4% YoY
|
8.68%
-5.6% YoY
|
9.75%
-1.9% YoY
|
Top 1% in tier |
| Non-Interest Income / Assets ? |
1.59%
-1.4% YoY
+38.3% QoQ
|
+1.03% |
0.56%
+0.3% YoY
|
0.55%
-11.7% YoY
|
0.65%
+0.6% YoY
|
Top 4% in tier |
Signature Analysis
Strengths (2)
Tier 1 Capital Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
40.47%
(Tier avg: 8.85%, National avg: 9.75%)
Non-Interest Income / Assets
metric
Top 4%
in Micro
Why this stands out
Current:
1.59%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (3)
Return on Assets
metric
Bottom 7%
in Micro
Why this stands out
Current:
0.06%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 5%
in Micro
Why this stands out
Current:
99.07%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest-Bearing Deposit Share
metric
Bottom 9%
in Micro
Why this stands out
Current:
8.01%
(Tier avg: 22.39%, 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
99
99th pctile
Tier 1 Capital Ratio
Current: 40.47% · Tier avg: 8.85%
96
96th pctile
Non-Interest Income / Assets
Current: 1.59% · Tier avg: 0.56%
87
87th pctile
Loan-to-Deposit Ratio
Current: 96.57% · Tier avg: 74.53%
36
36th pctile
Net Interest Margin
Current: 3.55% · Tier avg: 3.85%
18
18th pctile
Nonperforming Asset Ratio
Current: 1.08% · Tier avg: 0.45%
17
17th pctile
Delinquency Rate
Current: 1.62% · Tier avg: 0.64%
17
17th pctile
Total Loans
Current: $43.9M · Tier avg: $139.2M
12
12th pctile
Total Assets
Current: $66.0M · Tier avg: $217.5M
9
9th pctile
Total Deposits
Current: $45.4M · Tier avg: $183.7M
9
9th pctile
Non-Interest-Bearing Deposit Share
Current: 8.01% · Tier avg: 22.39%
7
7th pctile
Return on Assets
Current: 0.06% · Tier avg: 1.08%
5
5th pctile
Efficiency Ratio
Current: 99.07% · Tier avg: 67.73%
Top Weaknesses
5
5th pctile
Efficiency Ratio
Current: 99.07% · Tier avg: 67.73%
7
7th pctile
Return on Assets
Current: 0.06% · Tier avg: 1.08%
9
9th pctile
Non-Interest-Bearing Deposit Share
Current: 8.01% · Tier avg: 22.39%
9
9th pctile
Total Deposits
Current: $45.4M · Tier avg: $183.7M
12
12th pctile
Total Assets
Current: $66.0M · Tier avg: $217.5M
17
17th pctile
Total Loans
Current: $43.9M · Tier avg: $139.2M
17
17th pctile
Delinquency Rate
Current: 1.62% · Tier avg: 0.64%
18
18th pctile
Nonperforming Asset Ratio
Current: 1.08% · Tier avg: 0.45%
36
36th pctile
Net Interest Margin
Current: 3.55% · Tier avg: 3.85%
87
87th pctile
Loan-to-Deposit Ratio
Current: 96.57% · Tier avg: 74.53%
96
96th pctile
Non-Interest Income / Assets
Current: 1.59% · Tier avg: 0.56%
99
99th pctile
Tier 1 Capital Ratio
Current: 40.47% · Tier avg: 8.85%