BlastPoint's Banking Scorecard
The Bank
Micro
Specialty: Commercial
LA
FDIC cert 34409
Designations: ✓ Community bank
Jennings, LA
2498
banks in Micro tier nationally
66 in LA
View Micro leaderboard (LA) →
The Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.38% above 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 ? |
$428.7M
+2.0% YoY
-1.4% QoQ
|
+$211.2M |
$217.5M
+2.3% YoY
|
$757.6M
+4.2% YoY
|
$5.9B
+6.5% YoY
|
Top 8% in tier |
| Total Loans ? |
$323.7M
+4.8% YoY
-0.4% QoQ
|
+$184.6M |
$139.2M
+2.8% YoY
|
$510.8M
+1.6% YoY
|
$3.1B
+8.5% YoY
|
Top 5% in tier |
| Total Deposits ? |
$363.0M
+3.9% YoY
-0.9% QoQ
|
+$179.3M |
$183.7M
+1.8% YoY
|
$647.1M
+4.0% YoY
|
$4.7B
+6.3% YoY
|
Top 8% in tier |
| Return on Assets ? |
1.62%
-5.6% YoY
+2.1% QoQ
|
+0.54% |
1.08%
+14.7% YoY
|
1.09%
+11.0% YoY
|
1.12%
+15.6% YoY
|
80% |
| Net Interest Margin ? |
5.23%
+6.3% YoY
+1.2% QoQ
|
+1.38% |
3.85%
+6.6% YoY
|
4.11%
+6.6% YoY
|
3.75%
+7.1% YoY
|
Top 6% in tier |
| Efficiency Ratio ? |
57.46%
+5.0% YoY
+2.3% QoQ
|
-10.26% |
67.73%
-4.8% YoY
|
68.99%
-3.0% YoY
|
65.09%
-5.1% YoY
|
74% |
| Delinquency Rate ? |
0.49%
-29.1% YoY
-2.9% QoQ
|
-0.15% |
0.64%
+24.4% YoY
|
1.20%
-3.6% YoY
|
0.66%
+20.3% YoY
|
46% |
| Loan-to-Deposit Ratio ? |
89.19%
+0.9% YoY
+0.5% QoQ
|
+14.66% |
74.53%
+0.5% YoY
|
76.53%
+1.5% YoY
|
78.04%
+0.7% YoY
|
75% |
| Non-Interest-Bearing Deposit Share ? |
25.28%
-4.1% YoY
-0.4% QoQ
|
+2.88% |
22.39%
-1.3% YoY
|
23.36%
-2.3% YoY
|
21.79%
-1.3% YoY
|
64% |
| Nonperforming Asset Ratio ? |
0.51%
-11.0% YoY
+4.8% QoQ
|
+0.06% |
0.45%
+25.1% YoY
|
0.96%
+1.0% YoY
|
0.48%
+20.8% YoY
|
37% |
| 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 ? |
0.65%
-5.1% YoY
+39.1% QoQ
|
+0.09% |
0.56%
+0.3% YoY
|
0.55%
-11.7% YoY
|
0.65%
+0.6% YoY
|
80% |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 6%
in Micro
Why this stands out
Current:
5.23%
(Tier avg: 3.85%, National avg: 3.75%)
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
95
95th pctile
Total Loans
Current: $323.7M · Tier avg: $139.2M
94
94th pctile
Net Interest Margin
Current: 5.23% · Tier avg: 3.85%
92
92th pctile
Total Deposits
Current: $363.0M · Tier avg: $183.7M
92
92th pctile
Total Assets
Current: $428.7M · Tier avg: $217.5M
80
80th pctile
Non-Interest Income / Assets
Current: 0.65% · Tier avg: 0.56%
80
80th pctile
Return on Assets
Current: 1.62% · Tier avg: 1.08%
75
75th pctile
Loan-to-Deposit Ratio
Current: 89.19% · Tier avg: 74.53%
74
74th pctile
Efficiency Ratio
Current: 57.46% · Tier avg: 67.73%
64
64th pctile
Non-Interest-Bearing Deposit Share
Current: 25.28% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
46
46th pctile
Delinquency Rate
Current: 0.49% · Tier avg: 0.64%
37
37th pctile
Nonperforming Asset Ratio
Current: 0.51% · Tier avg: 0.45%
Top Weaknesses
37
37th pctile
Nonperforming Asset Ratio
Current: 0.51% · Tier avg: 0.45%
46
46th pctile
Delinquency Rate
Current: 0.49% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
64
64th pctile
Non-Interest-Bearing Deposit Share
Current: 25.28% · Tier avg: 22.39%
74
74th pctile
Efficiency Ratio
Current: 57.46% · Tier avg: 67.73%
75
75th pctile
Loan-to-Deposit Ratio
Current: 89.19% · Tier avg: 74.53%
80
80th pctile
Return on Assets
Current: 1.62% · Tier avg: 1.08%
80
80th pctile
Non-Interest Income / Assets
Current: 0.65% · Tier avg: 0.56%
92
92th pctile
Total Assets
Current: $428.7M · Tier avg: $217.5M
92
92th pctile
Total Deposits
Current: $363.0M · Tier avg: $183.7M
94
94th pctile
Net Interest Margin
Current: 5.23% · Tier avg: 3.85%
95
95th pctile
Total Loans
Current: $323.7M · Tier avg: $139.2M