BlastPoint's Banking Scorecard
Peoples Bank
Micro
Specialty: Commercial
LA
FDIC cert 9328
Designations: ✓ Community bank
Chatham, LA
2498
banks in Micro tier nationally
66 in LA
View Micro leaderboard (LA) →
Peoples Bank 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
- - Non-Interest-Bearing Deposit Share 15.37% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$86.8M
-1.5% YoY
-2.4% QoQ
|
-$130.6M |
$217.5M
+2.3% YoY
|
$757.6M
+4.2% YoY
|
$5.9B
+6.5% YoY
|
18% |
| Total Loans ? |
$66.3M
-4.9% YoY
-4.0% QoQ
|
-$72.8M |
$139.2M
+2.8% YoY
|
$510.8M
+1.6% YoY
|
$3.1B
+8.5% YoY
|
27% |
| Total Deposits ? |
$73.8M
-3.0% YoY
-2.0% QoQ
|
-$109.9M |
$183.7M
+1.8% YoY
|
$647.1M
+4.0% YoY
|
$4.7B
+6.3% YoY
|
19% |
| Return on Assets ? |
1.18%
+222.6% YoY
-43.9% QoQ
|
+0.10% |
1.08%
+14.7% YoY
|
1.09%
+11.0% YoY
|
1.12%
+15.6% YoY
|
58% |
| Net Interest Margin ? |
4.71%
+24.5% YoY
-1.1% QoQ
|
+0.86% |
3.85%
+6.6% YoY
|
4.11%
+6.6% YoY
|
3.75%
+7.1% YoY
|
85% |
| Efficiency Ratio ? |
57.94%
-32.1% YoY
+1.4% QoQ
|
-9.78% |
67.73%
-4.8% YoY
|
68.99%
-3.0% YoY
|
65.09%
-5.1% YoY
|
73% |
| Delinquency Rate ? |
0.97%
-76.9% YoY
-54.5% QoQ
|
+0.33% |
0.64%
+24.4% YoY
|
1.20%
-3.6% YoY
|
0.66%
+20.3% YoY
|
30% |
| Loan-to-Deposit Ratio ? |
89.95%
-1.9% YoY
-2.0% QoQ
|
+15.42% |
74.53%
+0.5% YoY
|
76.53%
+1.5% YoY
|
78.04%
+0.7% YoY
|
23% |
| Non-Interest-Bearing Deposit Share ? |
7.02%
+8.8% YoY
+0.6% QoQ
|
-15.37% |
22.39%
-1.3% YoY
|
23.36%
-2.3% YoY
|
21.79%
-1.3% YoY
|
Bottom 7% in tier |
| Nonperforming Asset Ratio ? |
0.74%
-77.9% YoY
-55.3% QoQ
|
+0.29% |
0.45%
+25.1% YoY
|
0.96%
+1.0% YoY
|
0.48%
+20.8% YoY
|
27% |
| Tier 1 Capital Ratio ? |
14.74%
+22.8% YoY
-1.8% QoQ
|
+5.89% |
8.85%
-3.4% YoY
|
8.68%
-5.6% YoY
|
9.75%
-1.9% YoY
|
71% |
| Non-Interest Income / Assets ? |
0.58%
+804.9% YoY
+21.7% QoQ
|
+0.01% |
0.56%
+0.3% YoY
|
0.55%
-11.7% YoY
|
0.65%
+0.6% YoY
|
75% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Non-Interest-Bearing Deposit Share
metric
Bottom 7%
in Micro
Why this stands out
Current:
7.02%
(Tier avg: 22.39%, National avg: 21.79%)
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
85
85th pctile
Net Interest Margin
Current: 4.71% · Tier avg: 3.85%
75
75th pctile
Non-Interest Income / Assets
Current: 0.58% · Tier avg: 0.56%
73
73th pctile
Efficiency Ratio
Current: 57.94% · Tier avg: 67.73%
71
71th pctile
Tier 1 Capital Ratio
Current: 14.74% · Tier avg: 8.85%
58
58th pctile
Return on Assets
Current: 1.18% · Tier avg: 1.08%
30
30th pctile
Delinquency Rate
Current: 0.97% · Tier avg: 0.64%
27
27th pctile
Total Loans
Current: $66.3M · Tier avg: $139.2M
27
27th pctile
Nonperforming Asset Ratio
Current: 0.74% · Tier avg: 0.45%
23
23th pctile
Loan-to-Deposit Ratio
Current: 89.95% · Tier avg: 74.53%
19
19th pctile
Total Deposits
Current: $73.8M · Tier avg: $183.7M
18
18th pctile
Total Assets
Current: $86.8M · Tier avg: $217.5M
7
7th pctile
Non-Interest-Bearing Deposit Share
Current: 7.02% · Tier avg: 22.39%
Top Weaknesses
7
7th pctile
Non-Interest-Bearing Deposit Share
Current: 7.02% · Tier avg: 22.39%
18
18th pctile
Total Assets
Current: $86.8M · Tier avg: $217.5M
19
19th pctile
Total Deposits
Current: $73.8M · Tier avg: $183.7M
23
23th pctile
Loan-to-Deposit Ratio
Current: 89.95% · Tier avg: 74.53%
27
27th pctile
Nonperforming Asset Ratio
Current: 0.74% · Tier avg: 0.45%
27
27th pctile
Total Loans
Current: $66.3M · Tier avg: $139.2M
30
30th pctile
Delinquency Rate
Current: 0.97% · Tier avg: 0.64%
58
58th pctile
Return on Assets
Current: 1.18% · Tier avg: 1.08%
71
71th pctile
Tier 1 Capital Ratio
Current: 14.74% · Tier avg: 8.85%
73
73th pctile
Efficiency Ratio
Current: 57.94% · Tier avg: 67.73%
75
75th pctile
Non-Interest Income / Assets
Current: 0.58% · Tier avg: 0.56%
85
85th pctile
Net Interest Margin
Current: 4.71% · Tier avg: 3.85%