BlastPoint's Banking Scorecard
Caldwell Bank & Trust Company
Columbia, LA
5 branches across LA
Caldwell Bank & Trust Company has 3 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 30.8% in tier
- + ROA 0.14% above tier average
- + Net Interest Margin 0.55% above tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 13.2% in tier
- - Delinquency Rate 2.74% above tier average
- - Nonperforming Asset Ratio 2.27% above tier average
- - Efficiency Ratio 4.40% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$293.3M
+0.9% YoY
+3.0% QoQ
|
-$92.8M |
$386.1M
+0.5% YoY
|
$784.8M
+7.0% YoY
|
$6.2B
+9.1% YoY
|
45% |
| Total Loans ? |
$214.7M
-3.6% YoY
+6.8% QoQ
|
-$41.0M |
$255.7M
+1.1% YoY
|
$523.7M
+4.0% YoY
|
$3.2B
+10.8% YoY
|
52% |
| Total Deposits ? |
$259.5M
-0.2% YoY
+3.0% QoQ
|
-$68.5M |
$328.0M
+0.1% YoY
|
$671.5M
+6.9% YoY
|
$4.8B
+8.2% YoY
|
47% |
| Return on Assets ? |
1.41%
+13.9% YoY
+19.8% QoQ
|
+0.14% |
1.27%
+12.9% YoY
|
1.24%
+12.4% YoY
|
1.23%
+13.4% YoY
|
63% |
| Net Interest Margin ? |
4.48%
-6.5% YoY
-5.2% QoQ
|
+0.55% |
3.93%
+6.0% YoY
|
4.12%
+1.2% YoY
|
3.89%
+5.7% YoY
|
81% |
| Efficiency Ratio ? |
69.68%
-5.3% YoY
-4.4% QoQ
|
+4.40% |
65.29%
-4.5% YoY
|
70.37%
-1.0% YoY
|
66.95%
-4.1% YoY
|
33% |
| Delinquency Rate ? |
3.62%
+46.1% YoY
+9.0% QoQ
|
+2.74% |
0.89%
+18.8% YoY
|
1.51%
+4.5% YoY
|
0.95%
+18.8% YoY
|
Bottom 4.1% in tier |
| Loan-to-Deposit Ratio ? |
82.74%
-3.4% YoY
+3.6% QoQ
|
+6.11% |
76.64%
+0.8% YoY
|
75.16%
-1.5% YoY
|
76.70%
+0.9% YoY
|
40% |
| Non-Interest-Bearing Deposit Share ? |
15.56%
-4.3% YoY
-10.6% QoQ
|
-6.46% |
22.02%
-1.0% YoY
|
24.55%
-1.4% YoY
|
22.01%
-1.2% YoY
|
26% |
| Nonperforming Asset Ratio ? |
2.91%
+35.8% YoY
+9.8% QoQ
|
+2.27% |
0.64%
+19.7% YoY
|
1.07%
+4.2% YoY
|
0.67%
+19.3% YoY
|
Bottom 3.2% in tier |
| Tier 1 Capital Ratio ? |
10.03%
+7.0% YoY
+2.3% QoQ
|
-5.80% |
15.83%
+1.5% YoY
|
16.56%
+0.4% YoY
|
17.06%
+0.8% YoY
|
Bottom 10.1% in tier |
| Non-Interest Income / Assets ? |
0.29%
+130.6% YoY
-59.0% QoQ
|
+0.01% |
0.28%
+9.3% YoY
|
0.11%
-17.3% YoY
|
0.32%
+4.1% YoY
|
Top 6.8% in tier |
Get Full Access to Caldwell Bank & Trust Company
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.