BlastPoint's Banking Scorecard
Bank of Coushatta
Micro
Specialty: Commercial
LA
FDIC cert 8531
Designations: ✓ Community bank
Coushatta, LA
2498
banks in Micro tier nationally
66 in LA
View Micro leaderboard (LA) →
Bank of Coushatta faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.30% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$318.1M
+6.4% YoY
+4.0% QoQ
|
+$100.6M |
$217.5M
+2.3% YoY
|
$757.6M
+4.2% YoY
|
$5.9B
+6.5% YoY
|
75% |
| Total Loans ? |
$137.2M
+4.9% YoY
-3.0% QoQ
|
-$2.0M |
$139.2M
+2.8% YoY
|
$510.8M
+1.6% YoY
|
$3.1B
+8.5% YoY
|
56% |
| Total Deposits ? |
$245.2M
+5.4% YoY
+4.8% QoQ
|
+$61.5M |
$183.7M
+1.8% YoY
|
$647.1M
+4.0% YoY
|
$4.7B
+6.3% YoY
|
70% |
| Return on Assets ? |
0.42%
+33.7% YoY
+4.9% QoQ
|
-0.66% |
1.08%
+14.7% YoY
|
1.09%
+11.0% YoY
|
1.12%
+15.6% YoY
|
16% |
| Net Interest Margin ? |
2.56%
+2.0% YoY
-0.4% QoQ
|
-1.30% |
3.85%
+6.6% YoY
|
4.11%
+6.6% YoY
|
3.75%
+7.1% YoY
|
Bottom 6% in tier |
| Efficiency Ratio ? |
83.24%
-4.9% YoY
-0.7% QoQ
|
+15.51% |
67.73%
-4.8% YoY
|
68.99%
-3.0% YoY
|
65.09%
-5.1% YoY
|
16% |
| Delinquency Rate ? |
1.09%
-35.5% YoY
-82.0% QoQ
|
+0.45% |
0.64%
+24.4% YoY
|
1.20%
-3.6% YoY
|
0.66%
+20.3% YoY
|
27% |
| Loan-to-Deposit Ratio ? |
55.94%
-0.5% YoY
-7.4% QoQ
|
-18.59% |
74.53%
+0.5% YoY
|
76.53%
+1.5% YoY
|
78.04%
+0.7% YoY
|
19% |
| Non-Interest-Bearing Deposit Share ? |
19.03%
-25.3% YoY
-2.5% QoQ
|
-3.37% |
22.39%
-1.3% YoY
|
23.36%
-2.3% YoY
|
21.79%
-1.3% YoY
|
38% |
| Nonperforming Asset Ratio ? |
0.81%
+8.2% YoY
-71.3% QoQ
|
+0.35% |
0.45%
+25.1% YoY
|
0.96%
+1.0% YoY
|
0.48%
+20.8% YoY
|
25% |
| Tier 1 Capital Ratio ? |
14.28%
+0.6% YoY
+2.5% QoQ
|
+5.43% |
8.85%
-3.4% YoY
|
8.68%
-5.6% YoY
|
9.75%
-1.9% YoY
|
70% |
| Non-Interest Income / Assets ? |
0.18%
-24.6% YoY
+24.4% QoQ
|
-0.38% |
0.56%
+0.3% YoY
|
0.55%
-11.7% YoY
|
0.65%
+0.6% YoY
|
20% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Net Interest Margin
metric
Bottom 6%
in Micro
Why this stands out
Current:
2.56%
(Tier avg: 3.85%, National avg: 3.75%)
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
75
75th pctile
Total Assets
Current: $318.1M · Tier avg: $217.5M
70
70th pctile
Total Deposits
Current: $245.2M · Tier avg: $183.7M
70
70th pctile
Tier 1 Capital Ratio
Current: 14.28% · Tier avg: 8.85%
56
56th pctile
Total Loans
Current: $137.2M · Tier avg: $139.2M
38
38th pctile
Non-Interest-Bearing Deposit Share
Current: 19.03% · Tier avg: 22.39%
27
27th pctile
Delinquency Rate
Current: 1.09% · Tier avg: 0.64%
25
25th pctile
Nonperforming Asset Ratio
Current: 0.81% · Tier avg: 0.45%
20
20th pctile
Non-Interest Income / Assets
Current: 0.18% · Tier avg: 0.56%
19
19th pctile
Loan-to-Deposit Ratio
Current: 55.94% · Tier avg: 74.53%
16
16th pctile
Return on Assets
Current: 0.42% · Tier avg: 1.08%
16
16th pctile
Efficiency Ratio
Current: 83.24% · Tier avg: 67.73%
6
6th pctile
Net Interest Margin
Current: 2.56% · Tier avg: 3.85%
Top Weaknesses
6
6th pctile
Net Interest Margin
Current: 2.56% · Tier avg: 3.85%
16
16th pctile
Efficiency Ratio
Current: 83.24% · Tier avg: 67.73%
16
16th pctile
Return on Assets
Current: 0.42% · Tier avg: 1.08%
19
19th pctile
Loan-to-Deposit Ratio
Current: 55.94% · Tier avg: 74.53%
20
20th pctile
Non-Interest Income / Assets
Current: 0.18% · Tier avg: 0.56%
25
25th pctile
Nonperforming Asset Ratio
Current: 0.81% · Tier avg: 0.45%
27
27th pctile
Delinquency Rate
Current: 1.09% · Tier avg: 0.64%
38
38th pctile
Non-Interest-Bearing Deposit Share
Current: 19.03% · Tier avg: 22.39%
56
56th pctile
Total Loans
Current: $137.2M · Tier avg: $139.2M
70
70th pctile
Tier 1 Capital Ratio
Current: 14.28% · Tier avg: 8.85%
70
70th pctile
Total Deposits
Current: $245.2M · Tier avg: $183.7M
75
75th pctile
Total Assets
Current: $318.1M · Tier avg: $217.5M