BlastPoint's Banking Scorecard
First American Bank and Trust
Community
Specialty: Commercial
LA
FDIC cert 8149
Vacherie, LA
1484
banks in Community tier nationally
37 in LA
View Community leaderboard (LA) →
First American Bank and Trust has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 15.25% above tier
- + Tier 1 Capital Ratio 15.07% above tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 35% in Community
- - Flatlined Growth: Bottom 42% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.4B
-0.5% YoY
+2.9% QoQ
|
-$27.3M |
$1.4B
+2.0% YoY
|
$757.6M
+4.2% YoY
|
$5.9B
+6.5% YoY
|
65% |
| Total Loans ? |
$834.5M
+1.9% YoY
-0.4% QoQ
|
-$141.0M |
$975.5M
+2.4% YoY
|
$510.8M
+1.6% YoY
|
$3.1B
+8.5% YoY
|
59% |
| Total Deposits ? |
$1.2B
-2.6% YoY
+2.9% QoQ
|
+$30.2M |
$1.2B
+1.7% YoY
|
$647.1M
+4.0% YoY
|
$4.7B
+6.3% YoY
|
67% |
| Return on Assets ? |
1.15%
+37.7% YoY
+1.9% QoQ
|
-0.01% |
1.16%
+17.2% YoY
|
1.09%
+11.0% YoY
|
1.12%
+15.6% YoY
|
52% |
| Net Interest Margin ? |
3.74%
+19.8% YoY
+1.3% QoQ
|
+0.08% |
3.66%
+9.1% YoY
|
4.11%
+6.6% YoY
|
3.75%
+7.1% YoY
|
57% |
| Efficiency Ratio ? |
65.20%
-7.7% YoY
-0.4% QoQ
|
+2.57% |
62.63%
-5.3% YoY
|
68.99%
-3.0% YoY
|
65.09%
-5.1% YoY
|
40% |
| Delinquency Rate ? |
0.91%
-15.1% YoY
+30.0% QoQ
|
+0.28% |
0.63%
+18.3% YoY
|
1.20%
-3.6% YoY
|
0.66%
+20.3% YoY
|
28% |
| Loan-to-Deposit Ratio ? |
69.85%
+4.6% YoY
-3.3% QoQ
|
-13.22% |
83.06%
+0.3% YoY
|
76.53%
+1.5% YoY
|
78.04%
+0.7% YoY
|
19% |
| Non-Interest-Bearing Deposit Share ? |
36.30%
+0.6% YoY
-1.5% QoQ
|
+15.25% |
21.05%
-0.9% YoY
|
23.36%
-2.3% YoY
|
21.79%
-1.3% YoY
|
Top 7% in tier |
| Nonperforming Asset Ratio ? |
0.56%
-13.4% YoY
+25.9% QoQ
|
+0.06% |
0.50%
+20.3% YoY
|
0.96%
+1.0% YoY
|
0.48%
+20.8% YoY
|
35% |
| Tier 1 Capital Ratio ? |
25.31%
+9.8% YoY
+3.2% QoQ
|
+15.07% |
10.24%
-0.6% YoY
|
8.68%
-5.6% YoY
|
9.75%
-1.9% YoY
|
Top 2% in tier |
| Non-Interest Income / Assets ? |
0.56%
-5.2% YoY
+29.9% QoQ
|
-0.18% |
0.74%
-1.3% YoY
|
0.55%
-11.7% YoY
|
0.65%
+0.6% YoY
|
56% |
Signature Analysis
Strengths (2)
Non-Interest-Bearing Deposit Share
metric
Top 7%
in Community
Why this stands out
Current:
36.30%
(Tier avg: 21.05%, National avg: 21.79%)
Tier 1 Capital Ratio
metric
Top 2%
in Community
Why this stands out
Current:
25.31%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (2)
Liquidity Overhang
risk
#94 of 268 · Bottom 35% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
25.31%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
69.85%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Flatlined Growth
risk
#104 of 245 · Bottom 42% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
1.15%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
|
QoQ rank improving
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
98
98th pctile
Tier 1 Capital Ratio
Current: 25.31% · Tier avg: 10.24%
93
93th pctile
Non-Interest-Bearing Deposit Share
Current: 36.30% · Tier avg: 21.05%
67
67th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
65
65th pctile
Total Assets
Current: $1.4B · Tier avg: $1.4B
59
59th pctile
Total Loans
Current: $834.5M · Tier avg: $975.5M
57
57th pctile
Net Interest Margin
Current: 3.74% · Tier avg: 3.66%
56
56th pctile
Non-Interest Income / Assets
Current: 0.56% · Tier avg: 0.74%
52
52th pctile
Return on Assets
Current: 1.15% · Tier avg: 1.16%
40
40th pctile
Efficiency Ratio
Current: 65.20% · Tier avg: 62.63%
35
35th pctile
Nonperforming Asset Ratio
Current: 0.56% · Tier avg: 0.50%
28
28th pctile
Delinquency Rate
Current: 0.91% · Tier avg: 0.63%
19
19th pctile
Loan-to-Deposit Ratio
Current: 69.85% · Tier avg: 83.06%
Top Weaknesses
19
19th pctile
Loan-to-Deposit Ratio
Current: 69.85% · Tier avg: 83.06%
28
28th pctile
Delinquency Rate
Current: 0.91% · Tier avg: 0.63%
35
35th pctile
Nonperforming Asset Ratio
Current: 0.56% · Tier avg: 0.50%
40
40th pctile
Efficiency Ratio
Current: 65.20% · Tier avg: 62.63%
52
52th pctile
Return on Assets
Current: 1.15% · Tier avg: 1.16%
56
56th pctile
Non-Interest Income / Assets
Current: 0.56% · Tier avg: 0.74%
57
57th pctile
Net Interest Margin
Current: 3.74% · Tier avg: 3.66%
59
59th pctile
Total Loans
Current: $834.5M · Tier avg: $975.5M
65
65th pctile
Total Assets
Current: $1.4B · Tier avg: $1.4B
67
67th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
93
93th pctile
Non-Interest-Bearing Deposit Share
Current: 36.30% · Tier avg: 21.05%
98
98th pctile
Tier 1 Capital Ratio
Current: 25.31% · Tier avg: 10.24%