BlastPoint's Banking Scorecard
The Mer Rouge State Bank
Micro
Specialty: Agricultural
LA
FDIC cert 314
Designations: ✓ Community bank
Mer Rouge, LA
2498
banks in Micro tier nationally
66 in LA
View Micro leaderboard (LA) →
The Mer Rouge State Bank demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
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 ? |
$50.0M
+0.1% YoY
+4.5% QoQ
|
-$167.5M |
$217.5M
+2.3% YoY
|
$757.6M
+4.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 7% in tier |
| Total Loans ? |
$24.9M
+13.2% YoY
-10.0% QoQ
|
-$114.3M |
$139.2M
+2.8% YoY
|
$510.8M
+1.6% YoY
|
$3.1B
+8.5% YoY
|
Bottom 9% in tier |
| Total Deposits ? |
$44.6M
-1.3% YoY
+5.3% QoQ
|
-$139.0M |
$183.7M
+1.8% YoY
|
$647.1M
+4.0% YoY
|
$4.7B
+6.3% YoY
|
Bottom 8% in tier |
| Return on Assets ? |
0.61%
-32.8% YoY
+14.6% QoQ
|
-0.47% |
1.08%
+14.7% YoY
|
1.09%
+11.0% YoY
|
1.12%
+15.6% YoY
|
23% |
| Net Interest Margin ? |
4.75%
+5.2% YoY
+0.1% QoQ
|
+0.89% |
3.85%
+6.6% YoY
|
4.11%
+6.6% YoY
|
3.75%
+7.1% YoY
|
Top 14% in tier |
| Efficiency Ratio ? |
78.62%
+11.3% YoY
-0.5% QoQ
|
+10.89% |
67.73%
-4.8% YoY
|
68.99%
-3.0% YoY
|
65.09%
-5.1% YoY
|
22% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.64% |
0.64%
+24.4% YoY
|
1.20%
-3.6% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
55.80%
+14.7% YoY
-14.5% QoQ
|
-18.72% |
74.53%
+0.5% YoY
|
76.53%
+1.5% YoY
|
78.04%
+0.7% YoY
|
19% |
| Non-Interest-Bearing Deposit Share ? |
35.75%
+3.9% YoY
+13.4% QoQ
|
+13.35% |
22.39%
-1.3% YoY
|
23.36%
-2.3% YoY
|
21.79%
-1.3% YoY
|
Top 11% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.45% |
0.45%
+25.1% YoY
|
0.96%
+1.0% YoY
|
0.48%
+20.8% YoY
|
Top 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 ? |
0.25%
-70.3% YoY
+24.5% QoQ
|
-0.31% |
0.56%
+0.3% YoY
|
0.55%
-11.7% YoY
|
0.65%
+0.6% YoY
|
32% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
89
89th pctile
Non-Interest-Bearing Deposit Share
Current: 35.75% · Tier avg: 22.39%
86
86th pctile
Net Interest Margin
Current: 4.75% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
32
32th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.56%
23
23th pctile
Return on Assets
Current: 0.61% · Tier avg: 1.08%
22
22th pctile
Efficiency Ratio
Current: 78.62% · Tier avg: 67.73%
19
19th pctile
Loan-to-Deposit Ratio
Current: 55.80% · Tier avg: 74.53%
9
9th pctile
Total Loans
Current: $24.9M · Tier avg: $139.2M
8
8th pctile
Total Deposits
Current: $44.6M · Tier avg: $183.7M
7
7th pctile
Total Assets
Current: $50.0M · Tier avg: $217.5M
Top Weaknesses
7
7th pctile
Total Assets
Current: $50.0M · Tier avg: $217.5M
8
8th pctile
Total Deposits
Current: $44.6M · Tier avg: $183.7M
9
9th pctile
Total Loans
Current: $24.9M · Tier avg: $139.2M
19
19th pctile
Loan-to-Deposit Ratio
Current: 55.80% · Tier avg: 74.53%
22
22th pctile
Efficiency Ratio
Current: 78.62% · Tier avg: 67.73%
23
23th pctile
Return on Assets
Current: 0.61% · Tier avg: 1.08%
32
32th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
86
86th pctile
Net Interest Margin
Current: 4.75% · Tier avg: 3.85%
89
89th pctile
Non-Interest-Bearing Deposit Share
Current: 35.75% · Tier avg: 22.39%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%