BlastPoint's Banking Scorecard
St. Landry Bank and Trust Company
Micro
Specialty: Other
LA
FDIC cert 8534
Designations: ✓ Community bank
Opelousas, LA
2498
banks in Micro tier nationally
66 in LA
View Micro leaderboard (LA) →
St. Landry Bank and Trust Company has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 46.54% below tier
- + Non-Interest-Bearing Deposit Share 17.86% above tier
- + Tier 1 Capital Ratio 18.24% above tier
Key Concerns
Areas that may need attention
- - Efficiency Ratio 25.02% above tier
- - Delinquency Rate 2.90% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$298.6M
+1.9% YoY
+3.8% QoQ
|
+$81.1M |
$217.5M
+2.3% YoY
|
$757.6M
+4.2% YoY
|
$5.9B
+6.5% YoY
|
72% |
| Total Loans ? |
$76.8M
+13.0% YoY
-3.3% QoQ
|
-$62.3M |
$139.2M
+2.8% YoY
|
$510.8M
+1.6% YoY
|
$3.1B
+8.5% YoY
|
32% |
| Total Deposits ? |
$274.6M
-0.1% YoY
+3.7% QoQ
|
+$90.9M |
$183.7M
+1.8% YoY
|
$647.1M
+4.0% YoY
|
$4.7B
+6.3% YoY
|
76% |
| Return on Assets ? |
0.44%
-49.8% YoY
-21.9% QoQ
|
-0.65% |
1.08%
+14.7% YoY
|
1.09%
+11.0% YoY
|
1.12%
+15.6% YoY
|
16% |
| Net Interest Margin ? |
2.85%
+5.7% YoY
+0.6% QoQ
|
-1.00% |
3.85%
+6.6% YoY
|
4.11%
+6.6% YoY
|
3.75%
+7.1% YoY
|
Bottom 12% in tier |
| Efficiency Ratio ? |
92.74%
+12.0% YoY
+1.8% QoQ
|
+25.02% |
67.73%
-4.8% YoY
|
68.99%
-3.0% YoY
|
65.09%
-5.1% YoY
|
Bottom 8% in tier |
| Delinquency Rate ? |
3.54%
+6.0% YoY
+206.3% QoQ
|
+2.90% |
0.64%
+24.4% YoY
|
1.20%
-3.6% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
27.98%
+13.1% YoY
-6.8% QoQ
|
-46.54% |
74.53%
+0.5% YoY
|
76.53%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Top 2% in tier |
| Non-Interest-Bearing Deposit Share ? |
40.26%
+6.2% YoY
+1.9% QoQ
|
+17.86% |
22.39%
-1.3% YoY
|
23.36%
-2.3% YoY
|
21.79%
-1.3% YoY
|
Top 7% in tier |
| Nonperforming Asset Ratio ? |
0.96%
+16.4% YoY
+161.2% QoQ
|
+0.50% |
0.45%
+25.1% YoY
|
0.96%
+1.0% YoY
|
0.48%
+20.8% YoY
|
21% |
| Tier 1 Capital Ratio ? |
27.09%
-3.0% YoY
+2.7% QoQ
|
+18.24% |
8.85%
-3.4% YoY
|
8.68%
-5.6% YoY
|
9.75%
-1.9% YoY
|
Top 5% in tier |
| Non-Interest Income / Assets ? |
0.24%
-12.1% YoY
+27.3% QoQ
|
-0.32% |
0.56%
+0.3% YoY
|
0.55%
-11.7% YoY
|
0.65%
+0.6% YoY
|
30% |
Signature Analysis
Strengths (3)
Loan-to-Deposit Ratio
metric
Top 2%
in Micro
Why this stands out
Current:
27.98%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Top 7%
in Micro
Why this stands out
Current:
40.26%
(Tier avg: 22.39%, National avg: 21.79%)
Tier 1 Capital Ratio
metric
Top 5%
in Micro
Why this stands out
Current:
27.09%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (2)
Efficiency Ratio
metric
Bottom 8%
in Micro
Why this stands out
Current:
92.74%
(Tier avg: 67.73%, National avg: 65.09%)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
3.54%
(Tier avg: 0.64%, National avg: 0.66%)
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
Loan-to-Deposit Ratio
Current: 27.98% · Tier avg: 74.53%
95
95th pctile
Tier 1 Capital Ratio
Current: 27.09% · Tier avg: 8.85%
93
93th pctile
Non-Interest-Bearing Deposit Share
Current: 40.26% · Tier avg: 22.39%
76
76th pctile
Total Deposits
Current: $274.6M · Tier avg: $183.7M
72
72th pctile
Total Assets
Current: $298.6M · Tier avg: $217.5M
32
32th pctile
Total Loans
Current: $76.8M · Tier avg: $139.2M
30
30th pctile
Non-Interest Income / Assets
Current: 0.24% · Tier avg: 0.56%
21
21th pctile
Nonperforming Asset Ratio
Current: 0.96% · Tier avg: 0.45%
16
16th pctile
Return on Assets
Current: 0.44% · Tier avg: 1.08%
12
12th pctile
Net Interest Margin
Current: 2.85% · Tier avg: 3.85%
8
8th pctile
Efficiency Ratio
Current: 92.74% · Tier avg: 67.73%
0
0th pctile
Delinquency Rate
Current: 3.54% · Tier avg: 0.64%
Top Weaknesses
0
0th pctile
Delinquency Rate
Current: 3.54% · Tier avg: 0.64%
8
8th pctile
Efficiency Ratio
Current: 92.74% · Tier avg: 67.73%
12
12th pctile
Net Interest Margin
Current: 2.85% · Tier avg: 3.85%
16
16th pctile
Return on Assets
Current: 0.44% · Tier avg: 1.08%
21
21th pctile
Nonperforming Asset Ratio
Current: 0.96% · Tier avg: 0.45%
30
30th pctile
Non-Interest Income / Assets
Current: 0.24% · Tier avg: 0.56%
32
32th pctile
Total Loans
Current: $76.8M · Tier avg: $139.2M
72
72th pctile
Total Assets
Current: $298.6M · Tier avg: $217.5M
76
76th pctile
Total Deposits
Current: $274.6M · Tier avg: $183.7M
93
93th pctile
Non-Interest-Bearing Deposit Share
Current: 40.26% · Tier avg: 22.39%
95
95th pctile
Tier 1 Capital Ratio
Current: 27.09% · Tier avg: 8.85%
98
98th pctile
Loan-to-Deposit Ratio
Current: 27.98% · Tier avg: 74.53%