BlastPoint's Banking Scorecard

The Evangeline Bank and Trust Company

$1B-$10B Specialty: Commercial LA FDIC cert 12611

Designations: ✓ Community bank

Ville Platte, LA

11 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 885 banks in the $1B-$10B peer group nationwide — 1 of 18 in LA.
Deposits +1.4% year over year ($890.6M on the books).
Delinquency rate 1.26%.
Return on assets 1.79%.
Efficiency ratio 51.94% vs a 59.73% peer average.
Loan-to-deposit ratio 102.96% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 18 in LA

View $1B-$10B leaderboard (LA) →

The Evangeline Bank and Trust Company has 3 strengths but faces 2 concerns

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

+ ROA 0.40% above tier average
+ Net Interest Margin 0.57% above tier average
+ Efficiency Ratio 7.78% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 44.6% in tier
- Delinquency Rate 0.40% above tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Total Assets ?	$1.1B +1.4% YoY -0.3% QoQ	-$1.7B	$2.8B -0.6% YoY	$799.3M +7.8% YoY	$6.3B +7.7% YoY	Bottom 11.4% in tier
Total Loans ?	$916.9M +1.8% YoY +2.2% QoQ	-$1.0B	$2.0B -0.3% YoY	$538.5M +5.3% YoY	$3.2B +9.4% YoY	26%
Total Deposits ?	$890.6M +1.4% YoY -0.8% QoQ	-$1.4B	$2.3B -0.5% YoY	$677.9M +7.3% YoY	$4.9B +7.3% YoY	Bottom 6.6% in tier
Return on Assets ?	1.79% +20.5% YoY -12.9% QoQ	+0.40%	1.39% +17.0% YoY	1.37% +23.6% YoY	1.30% +12.1% YoY	82%
Net Interest Margin ?	4.44% +6.4% YoY +2.5% QoQ	+0.57%	3.87% +6.2% YoY	4.15% +0.0% YoY	3.95% +4.9% YoY	Top 14.8% in tier
Efficiency Ratio ?	51.94% -2.3% YoY +8.4% QoQ	-7.78%	59.73% -12.6% YoY	69.40% -0.9% YoY	70.05% +2.5% YoY	72%
Delinquency Rate ?	1.26% -13.6% YoY -5.2% QoQ	+0.40%	0.87% +11.7% YoY	1.53% +7.9% YoY	0.98% +16.3% YoY	22%
Loan-to-Deposit Ratio ?	102.96% +0.5% YoY +3.0% QoQ	+17.92%	85.04% -0.1% YoY	77.15% -1.0% YoY	79.03% +2.3% YoY	Bottom 9.2% in tier
Non-Interest-Bearing Deposit Share ?	24.81% +4.6% YoY +0.9% QoQ	+3.53%	21.27% -1.5% YoY	24.65% +0.5% YoY	21.98% -0.6% YoY	71%
Nonperforming Asset Ratio ?	1.07% -16.5% YoY -3.3% QoQ	+0.40%	0.67% +11.7% YoY	1.11% +4.1% YoY	0.69% +15.8% YoY	20%
Tier 1 Capital Ratio ?	14.22% +6.1% YoY +2.0% QoQ	-0.62%	14.84% -0.4% YoY	17.35% +5.4% YoY	17.09% +0.8% YoY	66%
Non-Interest Income / Assets ?	0.31% +19.9% YoY +38.2% QoQ	-0.22%	0.53% +2.5% YoY	0.33% +19.6% YoY	0.66% +5.2% YoY	53%

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	24.8% +1.1pp YoY +0.2pp QoQ	+3.4pp	21.4%	24.6%	22.2%	71%
Brokered Deposits	n/a	n/a	9.5%	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	10.6% +0.9pp YoY +0.8pp QoQ	-3.4pp	14.0%	12.6%	12.5%	46%
CRE	46.0% -1.2pp YoY -0.5pp QoQ	-4.0pp	50.0%	44.9%	41.4%	39%
1-4 Family	31.1% -0.7pp YoY -1.3pp QoQ	+4.7pp	26.4%	34.2%	31.3%	68%
Consumer	3.5% -0.2pp YoY -0.1pp QoQ	-1.2pp	4.7%	4.2%	5.0%	76%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	15.6%	22.5%	19.7%	n/a
Leverage Ratio	14.2% +0.8pp YoY +0.3pp QoQ	+2.9pp	11.3%	13.4%	12.6%	91%
Total Capital Ratio	n/a	n/a	16.7%	23.6%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Full-Time Employees	169 0 YoY +3 (+1.8%) QoQ	-145	313	114	482	30%
Assets per Employee ($)	$6.6M +1.4% YoY -2.1% QoQ	-$3.9M	$10.5M	$6.8M	$8.8M	19%
Branch Count	10 0 YoY 0 QoQ	-10	20	9	18	29%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.2%	0.4%	0.4%	43%
Nonaccrual	1.2% -0.2pp YoY -0.1pp QoQ	+0.4pp	0.8%	1.4%	1.0%	80%
Allowance Coverage	1.12x +11.8% YoY +3.7% QoQ	-17.59x	18.71x	27.36x	20.23x	27%
Net Charge-off Rate (YTD)	0.1% -0.2pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.1%	0.2%	56%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
ROE	12.9% +1.6pp YoY -2.2pp QoQ	+0.3pp	12.6%	12.5%	11.6%	56%
Cost of Funds (YTD)	2.1% -0.2pp YoY 0.0pp QoQ	+0.2pp	1.9%	1.7%	1.7%	65%
Net Income ($, YTD)	$10.0M +24.3% YoY — QoQ	-$9.2M	$19.2M	$5.1M	$40.4M	40%

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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 (0)

No matched strength signatures this quarter

Concerns (1)

Liquidity Strain

risk

#162 of 361 • Bottom 44.6% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 102.96%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

361 of 361 Mid-Market banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank declining

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 885 peers in $1B-$10B

Top Strengths (2 metrics)

132

Net Interest Margin

profitability

Value: 4.44%

Peer Median: 3.87%

#132 of 885 Top 14.8% in $1B-$10B

158

Return on Assets

profitability

Value: 1.79%

Peer Median: 1.39%

#158 of 885 Top 17.7% in $1B-$10B

Top Weaknesses (5 metrics)

828

Total Deposits

size

Value: $890.56M

Peer Median: $2.32B

#828 of 885 Bottom 6.6% in $1B-$10B

805

Loan-to-Deposit Ratio

liquidity

Value: 102.96%

Peer Median: 85.04%

#805 of 885 Bottom 9.2% in $1B-$10B

785

Total Assets

size

Value: $1.11B

Peer Median: $2.79B

#785 of 885 Bottom 11.4% in $1B-$10B

712

Nonperforming Asset Ratio

credit_quality

Value: 1.07%

Peer Median: 0.67%

#712 of 885 Bottom 19.7% in $1B-$10B

692

Delinquency Rate

credit_quality

Value: 1.26%

Peer Median: 0.87%

#692 of 882 Bottom 21.7% in $1B-$10B