BlastPoint's Banking Scorecard

Exchange Bank and Trust Company, Natchitoches, Louisiana

$100M-$1B Specialty: Mortgage LA FDIC cert 10528

Natchitoches, LA

4 branches across LA

2664 banks in the $100M-$1B peer group nationally 74 in LA

Exchange Bank and Trust Company, Natchitoches, Louisiana shows strong momentum with 4 strengths and 8.2% YoY asset growth

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Profitability Leader: Top 42.9% in tier
+ Net Interest Margin 0.35% above tier average
+ Efficiency Ratio 17.87% below tier average
+ Delinquency Rate 0.06% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Exchange Bank and Trust Company, Natchitoches, Louisiana releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Total Assets ?	$221.0M +8.2% YoY +17.2% QoQ	-$165.0M	$386.1M +0.5% YoY	$784.8M +7.0% YoY	$6.2B +9.1% YoY	31%
Total Loans ?	$101.6M +8.3% YoY +3.3% QoQ	-$154.1M	$255.7M +1.1% YoY	$523.7M +4.0% YoY	$3.2B +10.8% YoY	20%
Total Deposits ?	$200.5M +7.8% YoY +18.6% QoQ	-$127.5M	$328.0M +0.1% YoY	$671.5M +6.9% YoY	$4.8B +8.2% YoY	34%
Return on Assets ?	2.30% +6.1% YoY -0.9% QoQ	+1.03%	1.27% +12.9% YoY	1.24% +12.4% YoY	1.23% +13.4% YoY	Top 7.1% in tier
Net Interest Margin ?	4.28% +1.7% YoY -3.6% QoQ	+0.35%	3.93% +6.0% YoY	4.12% +1.2% YoY	3.89% +5.7% YoY	72%
Efficiency Ratio ?	47.41% -4.5% YoY -1.7% QoQ	-17.87%	65.29% -4.5% YoY	70.37% -1.0% YoY	66.95% -4.1% YoY	Top 11.9% in tier
Delinquency Rate ?	0.82% -42.4% YoY +2.2% QoQ	-0.06%	0.89% +18.8% YoY	1.51% +4.5% YoY	0.95% +18.8% YoY	33%
Loan-to-Deposit Ratio ?	50.68% +0.4% YoY -12.9% QoQ	-25.96%	76.64% +0.8% YoY	75.16% -1.5% YoY	76.70% +0.9% YoY	Top 10.0% in tier
Non-Interest-Bearing Deposit Share ?	26.21% +8.0% YoY -9.3% QoQ	+4.19%	22.02% -1.0% YoY	24.55% -1.4% YoY	22.01% -1.2% YoY	71%
Nonperforming Asset Ratio ?	0.38% -42.4% YoY -10.0% QoQ	-0.26%	0.64% +19.7% YoY	1.07% +4.2% YoY	0.67% +19.3% YoY	45%
Tier 1 Capital Ratio ?	11.23% -5.0% YoY -12.0% QoQ	-4.60%	15.83% +1.5% YoY	16.56% +0.4% YoY	17.06% +0.8% YoY	26%
Non-Interest Income / Assets ?	0.05% -12.3% YoY -78.9% QoQ	-0.23%	0.28% +9.3% YoY	0.11% -17.3% YoY	0.32% +4.1% YoY	19%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Profitability Leader

growth

#287 of 666 • Top 42.9% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.30%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (3 metrics)

191

Return on Assets

profitability

Value: 2.30%

Peer Median: 1.27%

#191 of 2664 Top 7.1% in $100M-$1B

267

Loan-to-Deposit Ratio

liquidity

Value: 50.68%

Peer Median: 76.64%

#267 of 2664 Top 10.0% in $100M-$1B

318

Efficiency Ratio

profitability

Value: 47.41%

Peer Median: 65.29%

#318 of 2664 Top 11.9% in $100M-$1B

Top Weaknesses (2 metrics)

2154

Non-Interest Income / Assets

revenue_mix

Value: 0.05%

Peer Median: 0.28%

#2154 of 2664 Bottom 19.2% in $100M-$1B

2129

Total Loans

size

Value: $101.61M

Peer Median: $255.72M

#2129 of 2664 Bottom 20.1% in $100M-$1B