BlastPoint's Banking Scorecard
Bank of Gueydan
Micro
Specialty: Agricultural
LA
FDIC cert 8144
Designations: ✓ Community bank
Gueydan, LA
2498
banks in Micro tier nationally
66 in LA
View Micro leaderboard (LA) →
Bank of Gueydan faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 6.50% above tier
- - Loan-to-Deposit Ratio 29.84% below tier
- - Nonperforming Asset Ratio 1.99% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$69.3M
-2.5% YoY
-2.5% QoQ
|
-$148.2M |
$217.5M
+2.3% YoY
|
$757.6M
+4.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 12% in tier |
| Total Loans ? |
$23.7M
-6.0% YoY
-5.2% QoQ
|
-$115.5M |
$139.2M
+2.8% YoY
|
$510.8M
+1.6% YoY
|
$3.1B
+8.5% YoY
|
Bottom 8% in tier |
| Total Deposits ? |
$53.0M
-3.9% YoY
-3.3% QoQ
|
-$130.7M |
$183.7M
+1.8% YoY
|
$647.1M
+4.0% YoY
|
$4.7B
+6.3% YoY
|
Bottom 12% in tier |
| Return on Assets ? |
0.94%
+215.2% YoY
+0.3% QoQ
|
-0.15% |
1.08%
+14.7% YoY
|
1.09%
+11.0% YoY
|
1.12%
+15.6% YoY
|
42% |
| Net Interest Margin ? |
3.27%
+15.4% YoY
+1.1% QoQ
|
-0.59% |
3.85%
+6.6% YoY
|
4.11%
+6.6% YoY
|
3.75%
+7.1% YoY
|
24% |
| Efficiency Ratio ? |
57.16%
-6.6% YoY
-20.5% QoQ
|
-10.57% |
67.73%
-4.8% YoY
|
68.99%
-3.0% YoY
|
65.09%
-5.1% YoY
|
75% |
| Delinquency Rate ? |
7.14%
-34.4% YoY
+8.3% QoQ
|
+6.50% |
0.64%
+24.4% YoY
|
1.20%
-3.6% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
44.69%
-2.2% YoY
-2.0% QoQ
|
-29.84% |
74.53%
+0.5% YoY
|
76.53%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Bottom 9% in tier |
| Non-Interest-Bearing Deposit Share ? |
31.87%
+0.9% YoY
+2.1% QoQ
|
+9.48% |
22.39%
-1.3% YoY
|
23.36%
-2.3% YoY
|
21.79%
-1.3% YoY
|
83% |
| Nonperforming Asset Ratio ? |
2.44%
-36.8% YoY
+5.3% QoQ
|
+1.99% |
0.45%
+25.1% YoY
|
0.96%
+1.0% YoY
|
0.48%
+20.8% YoY
|
Bottom 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 ? |
0.24%
-29.8% YoY
+32.7% QoQ
|
-0.33% |
0.56%
+0.3% YoY
|
0.55%
-11.7% YoY
|
0.65%
+0.6% YoY
|
29% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
7.14%
(Tier avg: 0.64%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Bottom 9%
in Micro
Why this stands out
Current:
44.69%
(Tier avg: 74.53%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
2.44%
(Tier avg: 0.45%, 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
83
83th pctile
Non-Interest-Bearing Deposit Share
Current: 31.87% · Tier avg: 22.39%
75
75th pctile
Efficiency Ratio
Current: 57.16% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
42
42th pctile
Return on Assets
Current: 0.94% · Tier avg: 1.08%
29
29th pctile
Non-Interest Income / Assets
Current: 0.24% · Tier avg: 0.56%
24
24th pctile
Net Interest Margin
Current: 3.27% · Tier avg: 3.85%
12
12th pctile
Total Assets
Current: $69.3M · Tier avg: $217.5M
12
12th pctile
Total Deposits
Current: $53.0M · Tier avg: $183.7M
9
9th pctile
Loan-to-Deposit Ratio
Current: 44.69% · Tier avg: 74.53%
8
8th pctile
Total Loans
Current: $23.7M · Tier avg: $139.2M
0
0th pctile
Delinquency Rate
Current: 7.14% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 2.44% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 2.44% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 7.14% · Tier avg: 0.64%
8
8th pctile
Total Loans
Current: $23.7M · Tier avg: $139.2M
9
9th pctile
Loan-to-Deposit Ratio
Current: 44.69% · Tier avg: 74.53%
12
12th pctile
Total Deposits
Current: $53.0M · Tier avg: $183.7M
12
12th pctile
Total Assets
Current: $69.3M · Tier avg: $217.5M
24
24th pctile
Net Interest Margin
Current: 3.27% · Tier avg: 3.85%
29
29th pctile
Non-Interest Income / Assets
Current: 0.24% · Tier avg: 0.56%
42
42th pctile
Return on Assets
Current: 0.94% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
75
75th pctile
Efficiency Ratio
Current: 57.16% · Tier avg: 67.73%
83
83th pctile
Non-Interest-Bearing Deposit Share
Current: 31.87% · Tier avg: 22.39%