BlastPoint's Banking Scorecard
Beauregard Federal Savings Bank
Micro
Specialty: Commercial
LA
FDIC cert 30339
Designations: ✓ Community bank
Deridder, LA
2498
banks in Micro tier nationally
66 in LA
View Micro leaderboard (LA) →
Beauregard Federal Savings Bank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.23% above tier
- - Non-Interest-Bearing Deposit Share 19.26% below tier
- - Nonperforming Asset Ratio 1.94% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$99.4M
+22.6% YoY
+6.6% QoQ
|
-$118.1M |
$217.5M
+2.3% YoY
|
$757.6M
+4.2% YoY
|
$5.9B
+6.5% YoY
|
22% |
| Total Loans ? |
$73.9M
+36.9% YoY
+9.1% QoQ
|
-$65.3M |
$139.2M
+2.8% YoY
|
$510.8M
+1.6% YoY
|
$3.1B
+8.5% YoY
|
31% |
| Total Deposits ? |
$78.5M
+15.8% YoY
+8.5% QoQ
|
-$105.1M |
$183.7M
+1.8% YoY
|
$647.1M
+4.0% YoY
|
$4.7B
+6.3% YoY
|
21% |
| Return on Assets ? |
0.79%
-12.9% YoY
+53.0% QoQ
|
-0.29% |
1.08%
+14.7% YoY
|
1.09%
+11.0% YoY
|
1.12%
+15.6% YoY
|
33% |
| Net Interest Margin ? |
4.86%
-1.7% YoY
+3.8% QoQ
|
+1.01% |
3.85%
+6.6% YoY
|
4.11%
+6.6% YoY
|
3.75%
+7.1% YoY
|
Top 12% in tier |
| Efficiency Ratio ? |
73.24%
+2.5% YoY
-7.8% QoQ
|
+5.51% |
67.73%
-4.8% YoY
|
68.99%
-3.0% YoY
|
65.09%
-5.1% YoY
|
33% |
| Delinquency Rate ? |
2.87%
-30.9% YoY
-33.4% QoQ
|
+2.23% |
0.64%
+24.4% YoY
|
1.20%
-3.6% YoY
|
0.66%
+20.3% YoY
|
Bottom 7% in tier |
| Loan-to-Deposit Ratio ? |
94.10%
+18.2% YoY
+0.5% QoQ
|
+19.58% |
74.53%
+0.5% YoY
|
76.53%
+1.5% YoY
|
78.04%
+0.7% YoY
|
16% |
| Non-Interest-Bearing Deposit Share ? |
3.13%
-11.7% YoY
-25.2% QoQ
|
-19.26% |
22.39%
-1.3% YoY
|
23.36%
-2.3% YoY
|
21.79%
-1.3% YoY
|
Bottom 4% in tier |
| Nonperforming Asset Ratio ? |
2.39%
-18.0% YoY
-28.7% QoQ
|
+1.94% |
0.45%
+25.1% YoY
|
0.96%
+1.0% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% 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 ? |
0.18%
+7.1% YoY
+37.6% QoQ
|
-0.39% |
0.56%
+0.3% YoY
|
0.55%
-11.7% YoY
|
0.65%
+0.6% YoY
|
20% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Delinquency Rate
metric
Bottom 7%
in Micro
Why this stands out
Current:
2.87%
(Tier avg: 0.64%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Bottom 4%
in Micro
Why this stands out
Current:
3.13%
(Tier avg: 22.39%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
2.39%
(Tier avg: 0.45%, National avg: 0.48%)
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
Net Interest Margin
Current: 4.86% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
33
33th pctile
Efficiency Ratio
Current: 73.24% · Tier avg: 67.73%
33
33th pctile
Return on Assets
Current: 0.79% · Tier avg: 1.08%
31
31th pctile
Total Loans
Current: $73.9M · Tier avg: $139.2M
22
22th pctile
Total Assets
Current: $99.4M · Tier avg: $217.5M
21
21th pctile
Total Deposits
Current: $78.5M · Tier avg: $183.7M
20
20th pctile
Non-Interest Income / Assets
Current: 0.18% · Tier avg: 0.56%
16
16th pctile
Loan-to-Deposit Ratio
Current: 94.10% · Tier avg: 74.53%
7
7th pctile
Delinquency Rate
Current: 2.87% · Tier avg: 0.64%
4
4th pctile
Non-Interest-Bearing Deposit Share
Current: 3.13% · Tier avg: 22.39%
0
0th pctile
Nonperforming Asset Ratio
Current: 2.39% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 2.39% · Tier avg: 0.45%
4
4th pctile
Non-Interest-Bearing Deposit Share
Current: 3.13% · Tier avg: 22.39%
7
7th pctile
Delinquency Rate
Current: 2.87% · Tier avg: 0.64%
16
16th pctile
Loan-to-Deposit Ratio
Current: 94.10% · Tier avg: 74.53%
20
20th pctile
Non-Interest Income / Assets
Current: 0.18% · Tier avg: 0.56%
21
21th pctile
Total Deposits
Current: $78.5M · Tier avg: $183.7M
22
22th pctile
Total Assets
Current: $99.4M · Tier avg: $217.5M
31
31th pctile
Total Loans
Current: $73.9M · Tier avg: $139.2M
33
33th pctile
Return on Assets
Current: 0.79% · Tier avg: 1.08%
33
33th pctile
Efficiency Ratio
Current: 73.24% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
88
88th pctile
Net Interest Margin
Current: 4.86% · Tier avg: 3.85%