BlastPoint's Banking Scorecard
Bank of Abbeville & Trust Company
Abbeville, LA
3 branches across LA
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 73 in LA.
- Deposits +11.2% year over year ($214.4M on the books).
- Delinquency rate 2.53%.
- Return on assets 1.15%.
- Efficiency ratio 66.10% vs a 64.48% peer average.
- Loan-to-deposit ratio 59.38% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bank of Abbeville & Trust Company has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 14.16% above tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.61% above tier average
- - ROA 0.17% below tier average
- - Net Interest Margin 0.44% below tier average
- - Efficiency Ratio 1.63% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$245.5M
+10.7% YoY
-0.4% QoQ
|
-$141.1M |
$386.6M
+1.2% YoY
|
$799.3M
+7.8% YoY
|
$6.3B
+7.7% YoY
|
36% |
| Total Loans ? |
$127.3M
+6.2% YoY
+2.0% QoQ
|
-$131.0M |
$258.3M
+1.7% YoY
|
$538.5M
+5.3% YoY
|
$3.2B
+9.4% YoY
|
28% |
| Total Deposits ? |
$214.4M
+11.2% YoY
-0.9% QoQ
|
-$112.3M |
$326.7M
+0.7% YoY
|
$677.9M
+7.3% YoY
|
$4.9B
+7.3% YoY
|
38% |
| Return on Assets ? |
1.15%
-4.4% YoY
+17.2% QoQ
|
-0.17% |
1.32%
+10.8% YoY
|
1.37%
+23.6% YoY
|
1.30%
+12.1% YoY
|
44% |
| Net Interest Margin ? |
3.55%
-0.8% YoY
+2.6% QoQ
|
-0.44% |
3.99%
+5.0% YoY
|
4.15%
+0.0% YoY
|
3.95%
+4.9% YoY
|
30% |
| Efficiency Ratio ? |
66.10%
-1.4% YoY
-2.8% QoQ
|
+1.63% |
64.48%
-3.2% YoY
|
69.40%
-0.9% YoY
|
70.05%
+2.5% YoY
|
39% |
| Delinquency Rate ? |
2.53%
+840.5% YoY
|
+1.61% |
0.92%
+15.7% YoY
|
1.53%
+7.9% YoY
|
0.98%
+16.3% YoY
|
Bottom 8.6% in tier |
| Loan-to-Deposit Ratio ? |
59.38%
-4.5% YoY
+2.9% QoQ
|
-18.57% |
77.95%
+1.0% YoY
|
77.15%
-1.0% YoY
|
79.03%
+2.3% YoY
|
84% |
| Non-Interest-Bearing Deposit Share ? |
36.19%
+3.0% YoY
-4.0% QoQ
|
+14.16% |
22.03%
-0.6% YoY
|
24.65%
+0.5% YoY
|
21.98%
-0.6% YoY
|
Top 8.4% in tier |
| Nonperforming Asset Ratio ? |
1.36%
+837.5% YoY
+989.3% QoQ
|
+0.69% |
0.67%
+16.4% YoY
|
1.11%
+4.1% YoY
|
0.69%
+15.8% YoY
|
Bottom 13.9% in tier |
| Tier 1 Capital Ratio ? |
12.92%
-7.6% YoY
+3.3% QoQ
|
-2.99% |
15.91%
+1.4% YoY
|
17.35%
+5.4% YoY
|
17.09%
+0.8% YoY
|
46% |
| Non-Interest Income / Assets ? |
0.18%
+18.5% YoY
+110.0% QoQ
|
-0.38% |
0.57%
+7.6% YoY
|
0.33%
+19.6% YoY
|
0.66%
+5.2% YoY
|
45% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
36.2%
+1.1pp YoY -1.5pp QoQ |
+14.0pp | 22.1% | 24.6% | 22.2% | 92% |
| Brokered Deposits | n/a | n/a | 7.9% | 6.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
12.4%
-0.9pp YoY 0.0pp QoQ |
+0.8pp | 11.6% | 12.6% | 12.5% | 65% |
| CRE |
45.9%
+1.4pp YoY +1.7pp QoQ |
+6.4pp | 39.5% | 44.9% | 41.4% | 64% |
| 1-4 Family |
32.9%
-4.7pp YoY -1.7pp QoQ |
+0.3pp | 32.6% | 34.2% | 31.3% | 57% |
| Consumer |
2.9%
-0.2pp YoY -0.1pp QoQ |
-1.2pp | 4.1% | 4.2% | 5.0% | 58% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 22.5% | 19.7% | n/a |
| Leverage Ratio |
12.9%
-1.1pp YoY +0.4pp QoQ |
+0.7pp | 12.2% | 13.4% | 12.6% | 74% |
| Total Capital Ratio | n/a | n/a | 19.9% | 23.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
37
0 YoY 0 QoQ |
-22 | 58 | 114 | 482 | 37% |
| Assets per Employee ($) |
$6.6M
+10.7% YoY -0.4% QoQ |
-$884K | $7.5M | $6.8M | $8.8M | 45% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 9 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
2.5%
+2.3pp YoY +2.4pp QoQ |
+2.2pp | 0.3% | 0.4% | 0.4% | 98% |
| Nonaccrual | n/a | n/a | 0.9% | 1.4% | 1.0% | n/a |
| Allowance Coverage |
0.55x
-89.9% YoY -94.3% QoQ |
-23.60x | 24.15x | 27.36x | 20.23x | 12% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.0%
-0.2pp YoY +1.4pp QoQ |
-2.2pp | 12.2% | 12.5% | 11.6% | 37% |
| Cost of Funds (YTD) |
1.3%
0.0pp YoY 0.0pp QoQ |
-0.4pp | 1.7% | 1.7% | 1.7% | 23% |
| Net Income ($, YTD) |
$1.4M
+7.7% YoY — QoQ |
-$1.1M | $2.6M | $5.1M | $40.4M | 39% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.