BlastPoint's Banking Scorecard
The First National Bank of Jeanerette
Community
Specialty: Commercial
LA
FDIC cert 4290
Jeanerette, LA
1484
banks in Community tier nationally
37 in LA
View Community leaderboard (LA) →
The First National Bank of Jeanerette shows strong momentum with 2 strengths and 20.3% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 21% in Community
- + Net Interest Margin 1.41% 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 ? |
$630.9M
+20.3% YoY
+5.5% QoQ
|
-$760.5M |
$1.4B
+2.0% YoY
|
$757.6M
+4.2% YoY
|
$5.9B
+6.5% YoY
|
18% |
| Total Loans ? |
$492.8M
+18.2% YoY
+0.7% QoQ
|
-$482.7M |
$975.5M
+2.4% YoY
|
$510.8M
+1.6% YoY
|
$3.1B
+8.5% YoY
|
30% |
| Total Deposits ? |
$569.6M
+20.5% YoY
+5.8% QoQ
|
-$595.0M |
$1.2B
+1.7% YoY
|
$647.1M
+4.0% YoY
|
$4.7B
+6.3% YoY
|
24% |
| Return on Assets ? |
2.44%
+8.8% YoY
-2.1% QoQ
|
+1.28% |
1.16%
+17.2% YoY
|
1.09%
+11.0% YoY
|
1.12%
+15.6% YoY
|
Top 3% in tier |
| Net Interest Margin ? |
5.08%
+5.8% YoY
-0.1% QoQ
|
+1.41% |
3.66%
+9.1% YoY
|
4.11%
+6.6% YoY
|
3.75%
+7.1% YoY
|
Top 5% in tier |
| Efficiency Ratio ? |
48.85%
-5.5% YoY
+2.6% QoQ
|
-13.78% |
62.63%
-5.3% YoY
|
68.99%
-3.0% YoY
|
65.09%
-5.1% YoY
|
Top 14% in tier |
| Delinquency Rate ? |
0.14%
-57.2% YoY
-53.9% QoQ
|
-0.49% |
0.63%
+18.3% YoY
|
1.20%
-3.6% YoY
|
0.66%
+20.3% YoY
|
78% |
| Loan-to-Deposit Ratio ? |
86.51%
-1.9% YoY
-4.8% QoQ
|
+3.45% |
83.06%
+0.3% YoY
|
76.53%
+1.5% YoY
|
78.04%
+0.7% YoY
|
55% |
| Non-Interest-Bearing Deposit Share ? |
26.24%
-4.2% YoY
+12.0% QoQ
|
+5.20% |
21.05%
-0.9% YoY
|
23.36%
-2.3% YoY
|
21.79%
-1.3% YoY
|
74% |
| Nonperforming Asset Ratio ? |
0.51%
-18.1% YoY
-23.7% QoQ
|
+0.02% |
0.50%
+20.3% YoY
|
0.96%
+1.0% YoY
|
0.48%
+20.8% YoY
|
38% |
| Tier 1 Capital Ratio ? |
12.14%
-1.7% YoY
+3.6% QoQ
|
+1.90% |
10.24%
-0.6% YoY
|
8.68%
-5.6% YoY
|
9.75%
-1.9% YoY
|
49% |
| Non-Interest Income / Assets ? |
0.50%
-6.1% YoY
+32.8% QoQ
|
-0.24% |
0.74%
-1.3% YoY
|
0.55%
-11.7% YoY
|
0.65%
+0.6% YoY
|
47% |
Signature Analysis
Strengths (2)
Profitability Leader
growth
#79 of 371 · Top 21% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.44%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank declining
Net Interest Margin
metric
Top 5%
in Community
Why this stands out
Current:
5.08%
(Tier avg: 3.66%, 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
97
97th pctile
Return on Assets
Current: 2.44% · Tier avg: 1.16%
95
95th pctile
Net Interest Margin
Current: 5.08% · Tier avg: 3.66%
86
86th pctile
Efficiency Ratio
Current: 48.85% · Tier avg: 62.63%
78
78th pctile
Delinquency Rate
Current: 0.14% · Tier avg: 0.63%
74
74th pctile
Non-Interest-Bearing Deposit Share
Current: 26.24% · Tier avg: 21.05%
55
55th pctile
Loan-to-Deposit Ratio
Current: 86.51% · Tier avg: 83.06%
49
49th pctile
Tier 1 Capital Ratio
Current: 12.14% · Tier avg: 10.24%
47
47th pctile
Non-Interest Income / Assets
Current: 0.50% · Tier avg: 0.74%
38
38th pctile
Nonperforming Asset Ratio
Current: 0.51% · Tier avg: 0.50%
30
30th pctile
Total Loans
Current: $492.8M · Tier avg: $975.5M
24
24th pctile
Total Deposits
Current: $569.6M · Tier avg: $1.2B
18
18th pctile
Total Assets
Current: $630.9M · Tier avg: $1.4B
Top Weaknesses
18
18th pctile
Total Assets
Current: $630.9M · Tier avg: $1.4B
24
24th pctile
Total Deposits
Current: $569.6M · Tier avg: $1.2B
30
30th pctile
Total Loans
Current: $492.8M · Tier avg: $975.5M
38
38th pctile
Nonperforming Asset Ratio
Current: 0.51% · Tier avg: 0.50%
47
47th pctile
Non-Interest Income / Assets
Current: 0.50% · Tier avg: 0.74%
49
49th pctile
Tier 1 Capital Ratio
Current: 12.14% · Tier avg: 10.24%
55
55th pctile
Loan-to-Deposit Ratio
Current: 86.51% · Tier avg: 83.06%
74
74th pctile
Non-Interest-Bearing Deposit Share
Current: 26.24% · Tier avg: 21.05%
78
78th pctile
Delinquency Rate
Current: 0.14% · Tier avg: 0.63%
86
86th pctile
Efficiency Ratio
Current: 48.85% · Tier avg: 62.63%
95
95th pctile
Net Interest Margin
Current: 5.08% · Tier avg: 3.66%
97
97th pctile
Return on Assets
Current: 2.44% · Tier avg: 1.16%