BlastPoint's Banking Scorecard
Bank of Erath
Micro
Specialty: Other
LA
FDIC cert 8532
Designations: ✓ Community bank
Erath, LA
2498
banks in Micro tier nationally
66 in LA
View Micro leaderboard (LA) →
Bank of Erath has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 21.66% above tier
Key Concerns
Areas that may need attention
- - Nonperforming Asset Ratio 1.42% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$108.9M
-2.3% YoY
+2.2% QoQ
|
-$108.6M |
$217.5M
+2.3% YoY
|
$757.6M
+4.2% YoY
|
$5.9B
+6.5% YoY
|
25% |
| Total Loans ? |
$46.0M
-16.1% YoY
-16.3% QoQ
|
-$93.1M |
$139.2M
+2.8% YoY
|
$510.8M
+1.6% YoY
|
$3.1B
+8.5% YoY
|
18% |
| Total Deposits ? |
$93.9M
-3.9% YoY
+2.4% QoQ
|
-$89.8M |
$183.7M
+1.8% YoY
|
$647.1M
+4.0% YoY
|
$4.7B
+6.3% YoY
|
26% |
| Return on Assets ? |
0.67%
+16.5% YoY
+301.6% QoQ
|
-0.41% |
1.08%
+14.7% YoY
|
1.09%
+11.0% YoY
|
1.12%
+15.6% YoY
|
26% |
| Net Interest Margin ? |
4.42%
+11.1% YoY
+3.7% QoQ
|
+0.56% |
3.85%
+6.6% YoY
|
4.11%
+6.6% YoY
|
3.75%
+7.1% YoY
|
76% |
| Efficiency Ratio ? |
81.50%
-1.4% YoY
-12.7% QoQ
|
+13.77% |
67.73%
-4.8% YoY
|
68.99%
-3.0% YoY
|
65.09%
-5.1% YoY
|
19% |
| Delinquency Rate ? |
0.40%
-91.5% YoY
-85.4% QoQ
|
-0.24% |
0.64%
+24.4% YoY
|
1.20%
-3.6% YoY
|
0.66%
+20.3% YoY
|
50% |
| Loan-to-Deposit Ratio ? |
49.03%
-12.7% YoY
-18.2% QoQ
|
-25.50% |
74.53%
+0.5% YoY
|
76.53%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Top 12% in tier |
| Non-Interest-Bearing Deposit Share ? |
44.05%
+12.6% YoY
+5.0% QoQ
|
+21.66% |
22.39%
-1.3% YoY
|
23.36%
-2.3% YoY
|
21.79%
-1.3% YoY
|
Top 5% in tier |
| Nonperforming Asset Ratio ? |
1.87%
-19.6% YoY
-15.0% QoQ
|
+1.42% |
0.45%
+25.1% YoY
|
0.96%
+1.0% YoY
|
0.48%
+20.8% YoY
|
Bottom 8% 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 ? |
0.45%
+0.7% YoY
+30.1% QoQ
|
-0.11% |
0.56%
+0.3% YoY
|
0.55%
-11.7% YoY
|
0.65%
+0.6% YoY
|
64% |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 5%
in Micro
Why this stands out
Current:
44.05%
(Tier avg: 22.39%, National avg: 21.79%)
Concerns (1)
Nonperforming Asset Ratio
metric
Bottom 8%
in Micro
Why this stands out
Current:
1.87%
(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
95
95th pctile
Non-Interest-Bearing Deposit Share
Current: 44.05% · Tier avg: 22.39%
88
88th pctile
Loan-to-Deposit Ratio
Current: 49.03% · Tier avg: 74.53%
76
76th pctile
Net Interest Margin
Current: 4.42% · Tier avg: 3.85%
64
64th pctile
Non-Interest Income / Assets
Current: 0.45% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
50
50th pctile
Delinquency Rate
Current: 0.40% · Tier avg: 0.64%
26
26th pctile
Total Deposits
Current: $93.9M · Tier avg: $183.7M
26
26th pctile
Return on Assets
Current: 0.67% · Tier avg: 1.08%
25
25th pctile
Total Assets
Current: $108.9M · Tier avg: $217.5M
19
19th pctile
Efficiency Ratio
Current: 81.50% · Tier avg: 67.73%
18
18th pctile
Total Loans
Current: $46.0M · Tier avg: $139.2M
8
8th pctile
Nonperforming Asset Ratio
Current: 1.87% · Tier avg: 0.45%
Top Weaknesses
8
8th pctile
Nonperforming Asset Ratio
Current: 1.87% · Tier avg: 0.45%
18
18th pctile
Total Loans
Current: $46.0M · Tier avg: $139.2M
19
19th pctile
Efficiency Ratio
Current: 81.50% · Tier avg: 67.73%
25
25th pctile
Total Assets
Current: $108.9M · Tier avg: $217.5M
26
26th pctile
Return on Assets
Current: 0.67% · Tier avg: 1.08%
26
26th pctile
Total Deposits
Current: $93.9M · Tier avg: $183.7M
50
50th pctile
Delinquency Rate
Current: 0.40% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
64
64th pctile
Non-Interest Income / Assets
Current: 0.45% · Tier avg: 0.56%
76
76th pctile
Net Interest Margin
Current: 4.42% · Tier avg: 3.85%
88
88th pctile
Loan-to-Deposit Ratio
Current: 49.03% · Tier avg: 74.53%
95
95th pctile
Non-Interest-Bearing Deposit Share
Current: 44.05% · Tier avg: 22.39%