BlastPoint's Banking Scorecard
First National Bank of Louisiana
Community
Specialty: Commercial
LA
FDIC cert 4288
Crowley, LA
1484
banks in Community tier nationally
37 in LA
View Community leaderboard (LA) →
First National Bank of Louisiana shows strong momentum with 4 strengths and 5.7% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 23% in Community
- + Return on Assets 0.78% above tier
- + Delinquency Rate 0.63% below tier
- + Nonperforming Asset Ratio 0.50% 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 ? |
$585.2M
+5.7% YoY
+1.2% QoQ
|
-$806.2M |
$1.4B
+2.0% YoY
|
$757.6M
+4.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 12% in tier |
| Total Loans ? |
$411.8M
+9.0% YoY
+2.8% QoQ
|
-$563.7M |
$975.5M
+2.4% YoY
|
$510.8M
+1.6% YoY
|
$3.1B
+8.5% YoY
|
16% |
| Total Deposits ? |
$512.4M
+3.5% YoY
+1.0% QoQ
|
-$652.2M |
$1.2B
+1.7% YoY
|
$647.1M
+4.0% YoY
|
$4.7B
+6.3% YoY
|
Bottom 15% in tier |
| Return on Assets ? |
1.95%
+5.2% YoY
-4.3% QoQ
|
+0.78% |
1.16%
+17.2% YoY
|
1.09%
+11.0% YoY
|
1.12%
+15.6% YoY
|
Top 10% in tier |
| Net Interest Margin ? |
4.49%
+5.2% YoY
+0.3% QoQ
|
+0.82% |
3.66%
+9.1% YoY
|
4.11%
+6.6% YoY
|
3.75%
+7.1% YoY
|
Top 13% in tier |
| Efficiency Ratio ? |
52.46%
-8.0% YoY
-0.1% QoQ
|
-10.18% |
62.63%
-5.3% YoY
|
68.99%
-3.0% YoY
|
65.09%
-5.1% YoY
|
79% |
| Delinquency Rate ? | 0.00% | -0.63% |
0.63%
+18.3% YoY
|
1.20%
-3.6% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
80.37%
+5.4% YoY
+1.8% QoQ
|
-2.69% |
83.06%
+0.3% YoY
|
76.53%
+1.5% YoY
|
78.04%
+0.7% YoY
|
39% |
| Non-Interest-Bearing Deposit Share ? |
41.19%
-2.5% YoY
-0.9% QoQ
|
+20.15% |
21.05%
-0.9% YoY
|
23.36%
-2.3% YoY
|
21.79%
-1.3% YoY
|
Top 4% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.50% |
0.50%
+20.3% YoY
|
0.96%
+1.0% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
14.66%
-0.4% YoY
-1.9% QoQ
|
+4.42% |
10.24%
-0.6% YoY
|
8.68%
-5.6% YoY
|
9.75%
-1.9% YoY
|
74% |
| Non-Interest Income / Assets ? |
0.44%
-6.8% YoY
+30.3% QoQ
|
-0.30% |
0.74%
-1.3% YoY
|
0.55%
-11.7% YoY
|
0.65%
+0.6% YoY
|
41% |
Signature Analysis
Strengths (4)
Deposit Franchise
growth
#35 of 150 · Top 23% in Community
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
41.19%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
4.49%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Top 10%
in Community
Why this stands out
Current:
1.95%
(Tier avg: 1.16%, National avg: 1.12%)
Delinquency Rate
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.50%, 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: 0.63%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
96
96th pctile
Non-Interest-Bearing Deposit Share
Current: 41.19% · Tier avg: 21.05%
90
90th pctile
Return on Assets
Current: 1.95% · Tier avg: 1.16%
87
87th pctile
Net Interest Margin
Current: 4.49% · Tier avg: 3.66%
79
79th pctile
Efficiency Ratio
Current: 52.46% · Tier avg: 62.63%
74
74th pctile
Tier 1 Capital Ratio
Current: 14.66% · Tier avg: 10.24%
41
41th pctile
Non-Interest Income / Assets
Current: 0.44% · Tier avg: 0.74%
39
39th pctile
Loan-to-Deposit Ratio
Current: 80.37% · Tier avg: 83.06%
16
16th pctile
Total Loans
Current: $411.8M · Tier avg: $975.5M
15
15th pctile
Total Deposits
Current: $512.4M · Tier avg: $1.2B
12
12th pctile
Total Assets
Current: $585.2M · Tier avg: $1.4B
Top Weaknesses
12
12th pctile
Total Assets
Current: $585.2M · Tier avg: $1.4B
15
15th pctile
Total Deposits
Current: $512.4M · Tier avg: $1.2B
16
16th pctile
Total Loans
Current: $411.8M · Tier avg: $975.5M
39
39th pctile
Loan-to-Deposit Ratio
Current: 80.37% · Tier avg: 83.06%
41
41th pctile
Non-Interest Income / Assets
Current: 0.44% · Tier avg: 0.74%
74
74th pctile
Tier 1 Capital Ratio
Current: 14.66% · Tier avg: 10.24%
79
79th pctile
Efficiency Ratio
Current: 52.46% · Tier avg: 62.63%
87
87th pctile
Net Interest Margin
Current: 4.49% · Tier avg: 3.66%
90
90th pctile
Return on Assets
Current: 1.95% · Tier avg: 1.16%
96
96th pctile
Non-Interest-Bearing Deposit Share
Current: 41.19% · Tier avg: 21.05%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%