BlastPoint's Banking Scorecard
First Federal Bank of Louisiana
Community
Specialty: Commercial
LA
FDIC cert 30441
Lake Charles, LA
1484
banks in Community tier nationally
37 in LA
View Community leaderboard (LA) →
First Federal Bank of Louisiana has 1 strength but faces 7 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 10.85% above tier
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 3% in Community
- - Deposit Outflow: Bottom 26% in Community
- - Efficiency Drag: Bottom 29% in Community
- - Return on Assets 0.87% below tier
- - Net Interest Margin 0.96% below tier
- - Delinquency Rate 2.23% above tier
- - Nonperforming Asset Ratio 1.17% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
-0.1% YoY
-1.0% QoQ
|
-$254.6M |
$1.4B
+2.0% YoY
|
$757.6M
+4.2% YoY
|
$5.9B
+6.5% YoY
|
57% |
| Total Loans ? |
$653.3M
-1.1% YoY
-1.7% QoQ
|
-$322.2M |
$975.5M
+2.4% YoY
|
$510.8M
+1.6% YoY
|
$3.1B
+8.5% YoY
|
46% |
| Total Deposits ? |
$975.7M
-2.6% YoY
-1.2% QoQ
|
-$188.9M |
$1.2B
+1.7% YoY
|
$647.1M
+4.0% YoY
|
$4.7B
+6.3% YoY
|
58% |
| Return on Assets ? |
0.30%
-9.5% YoY
+8.0% QoQ
|
-0.87% |
1.16%
+17.2% YoY
|
1.09%
+11.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 6% in tier |
| Net Interest Margin ? |
2.71%
+5.0% YoY
+0.9% QoQ
|
-0.96% |
3.66%
+9.1% YoY
|
4.11%
+6.6% YoY
|
3.75%
+7.1% YoY
|
Bottom 9% in tier |
| Efficiency Ratio ? |
84.87%
-0.7% YoY
-0.0% QoQ
|
+22.24% |
62.63%
-5.3% YoY
|
68.99%
-3.0% YoY
|
65.09%
-5.1% YoY
|
Bottom 6% in tier |
| Delinquency Rate ? |
2.86%
+3.9% YoY
+2.2% QoQ
|
+2.23% |
0.63%
+18.3% YoY
|
1.20%
-3.6% YoY
|
0.66%
+20.3% YoY
|
Bottom 5% in tier |
| Loan-to-Deposit Ratio ? |
66.96%
+1.5% YoY
-0.5% QoQ
|
-16.10% |
83.06%
+0.3% YoY
|
76.53%
+1.5% YoY
|
78.04%
+0.7% YoY
|
16% |
| Non-Interest-Bearing Deposit Share ? |
16.88%
-6.9% YoY
-6.1% QoQ
|
-4.17% |
21.05%
-0.9% YoY
|
23.36%
-2.3% YoY
|
21.79%
-1.3% YoY
|
34% |
| Nonperforming Asset Ratio ? |
1.67%
+2.5% YoY
+1.2% QoQ
|
+1.17% |
0.50%
+20.3% YoY
|
0.96%
+1.0% YoY
|
0.48%
+20.8% YoY
|
Bottom 9% in tier |
| Tier 1 Capital Ratio ? |
21.09%
+3.7% YoY
+1.7% QoQ
|
+10.85% |
10.24%
-0.6% YoY
|
8.68%
-5.6% YoY
|
9.75%
-1.9% YoY
|
Top 5% in tier |
| Non-Interest Income / Assets ? |
0.64%
-3.9% YoY
+33.6% QoQ
|
-0.10% |
0.74%
-1.3% YoY
|
0.55%
-11.7% YoY
|
0.65%
+0.6% YoY
|
65% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 5%
in Community
Why this stands out
Current:
21.09%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (7)
Flatlined Growth
risk
#9 of 245 · Bottom 3% 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:
0.30%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
Deposit Outflow
decline
#64 of 248 · Bottom 26% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
Efficiency Drag
risk
#45 of 152 · Bottom 29% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
84.87%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
Return on Assets
metric
Bottom 6%
in Community
Why this stands out
Current:
0.30%
(Tier avg: 1.16%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 9%
in Community
Why this stands out
Current:
2.71%
(Tier avg: 3.66%, National avg: 3.75%)
Delinquency Rate
metric
Bottom 5%
in Community
Why this stands out
Current:
2.86%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 9%
in Community
Why this stands out
Current:
1.67%
(Tier avg: 0.50%, 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
95
95th pctile
Tier 1 Capital Ratio
Current: 21.09% · Tier avg: 10.24%
65
65th pctile
Non-Interest Income / Assets
Current: 0.64% · Tier avg: 0.74%
58
58th pctile
Total Deposits
Current: $975.7M · Tier avg: $1.2B
57
57th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
46
46th pctile
Total Loans
Current: $653.3M · Tier avg: $975.5M
34
34th pctile
Non-Interest-Bearing Deposit Share
Current: 16.88% · Tier avg: 21.05%
16
16th pctile
Loan-to-Deposit Ratio
Current: 66.96% · Tier avg: 83.06%
9
9th pctile
Net Interest Margin
Current: 2.71% · Tier avg: 3.66%
9
9th pctile
Nonperforming Asset Ratio
Current: 1.67% · Tier avg: 0.50%
6
6th pctile
Efficiency Ratio
Current: 84.87% · Tier avg: 62.63%
6
6th pctile
Return on Assets
Current: 0.30% · Tier avg: 1.16%
5
5th pctile
Delinquency Rate
Current: 2.86% · Tier avg: 0.63%
Top Weaknesses
5
5th pctile
Delinquency Rate
Current: 2.86% · Tier avg: 0.63%
6
6th pctile
Return on Assets
Current: 0.30% · Tier avg: 1.16%
6
6th pctile
Efficiency Ratio
Current: 84.87% · Tier avg: 62.63%
9
9th pctile
Nonperforming Asset Ratio
Current: 1.67% · Tier avg: 0.50%
9
9th pctile
Net Interest Margin
Current: 2.71% · Tier avg: 3.66%
16
16th pctile
Loan-to-Deposit Ratio
Current: 66.96% · Tier avg: 83.06%
34
34th pctile
Non-Interest-Bearing Deposit Share
Current: 16.88% · Tier avg: 21.05%
46
46th pctile
Total Loans
Current: $653.3M · Tier avg: $975.5M
57
57th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
58
58th pctile
Total Deposits
Current: $975.7M · Tier avg: $1.2B
65
65th pctile
Non-Interest Income / Assets
Current: 0.64% · Tier avg: 0.74%
95
95th pctile
Tier 1 Capital Ratio
Current: 21.09% · Tier avg: 10.24%