BlastPoint's Banking Scorecard
Bank of Abbeville & Trust Company
Abbeville, LA
3 branches across LA
Bank of Abbeville & Trust Company has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 15.68% above tier average
- + Delinquency Rate 0.74% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 46.6% in tier
- - Net Interest Margin 0.47% below tier average
- - Efficiency Ratio 2.72% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$246.4M
+11.5% YoY
+1.6% QoQ
|
-$139.7M |
$386.1M
+0.5% YoY
|
$784.8M
+7.0% YoY
|
$6.2B
+9.1% YoY
|
36% |
| Total Loans ? |
$124.9M
+4.2% YoY
+6.5% QoQ
|
-$130.8M |
$255.7M
+1.1% YoY
|
$523.7M
+4.0% YoY
|
$3.2B
+10.8% YoY
|
28% |
| Total Deposits ? |
$216.5M
+12.0% YoY
+1.9% QoQ
|
-$111.5M |
$328.0M
+0.1% YoY
|
$671.5M
+6.9% YoY
|
$4.8B
+8.2% YoY
|
38% |
| Return on Assets ? |
0.98%
-15.1% YoY
-21.4% QoQ
|
-0.29% |
1.27%
+12.9% YoY
|
1.24%
+12.4% YoY
|
1.23%
+13.4% YoY
|
36% |
| Net Interest Margin ? |
3.46%
-0.5% YoY
-3.4% QoQ
|
-0.47% |
3.93%
+6.0% YoY
|
4.12%
+1.2% YoY
|
3.89%
+5.7% YoY
|
29% |
| Efficiency Ratio ? |
68.00%
+0.8% YoY
+1.3% QoQ
|
+2.72% |
65.29%
-4.5% YoY
|
70.37%
-1.0% YoY
|
66.95%
-4.1% YoY
|
37% |
| Delinquency Rate ? |
0.14%
-40.3% YoY
-67.6% QoQ
|
-0.74% |
0.89%
+18.8% YoY
|
1.51%
+4.5% YoY
|
0.95%
+18.8% YoY
|
69% |
| Loan-to-Deposit Ratio ? |
57.69%
-7.0% YoY
+4.5% QoQ
|
-18.95% |
76.64%
+0.8% YoY
|
75.16%
-1.5% YoY
|
76.70%
+0.9% YoY
|
84% |
| Non-Interest-Bearing Deposit Share ? |
37.70%
+3.9% YoY
-3.4% QoQ
|
+15.68% |
22.02%
-1.0% YoY
|
24.55%
-1.4% YoY
|
22.01%
-1.2% YoY
|
Top 6.8% in tier |
| Nonperforming Asset Ratio ? |
0.12%
-5.1% YoY
-53.5% QoQ
|
-0.51% |
0.64%
+19.7% YoY
|
1.07%
+4.2% YoY
|
0.67%
+19.3% YoY
|
67% |
| Tier 1 Capital Ratio ? |
12.51%
-11.3% YoY
-2.4% QoQ
|
-3.32% |
15.83%
+1.5% YoY
|
16.56%
+0.4% YoY
|
17.06%
+0.8% YoY
|
41% |
| Non-Interest Income / Assets ? |
0.09%
+15.2% YoY
-79.6% QoQ
|
-0.19% |
0.28%
+9.3% YoY
|
0.11%
-17.3% YoY
|
0.32%
+4.1% YoY
|
45% |
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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 (1)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.