BlastPoint's Banking Scorecard

The Evangeline Bank and Trust Company

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

Designations: ✓ Community bank

Ville Platte, LA

10 branches across LA

884 banks in the $1B-$10B peer group nationally 19 in 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

+ Profitability Leader: Top 14.0% in tier
+ Net Interest Margin 0.51% above tier average
+ Efficiency Ratio 13.14% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 29.9% in tier
- Delinquency Rate 0.44% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Total Assets ?	$1.1B +3.5% YoY -0.2% QoQ	-$1.7B	$2.8B -0.1% YoY	$784.8M +7.0% YoY	$6.2B +9.1% YoY	Bottom 11.2% in tier
Total Loans ?	$897.3M +1.3% YoY +0.3% QoQ	-$1.1B	$2.0B +0.6% YoY	$523.7M +4.0% YoY	$3.2B +10.8% YoY	25%
Total Deposits ?	$897.9M +4.1% YoY -0.3% QoQ	-$1.4B	$2.3B -0.3% YoY	$671.5M +6.9% YoY	$4.8B +8.2% YoY	Bottom 6.6% in tier
Return on Assets ?	2.06% +45.1% YoY +32.7% QoQ	+0.70%	1.37% +19.6% YoY	1.24% +12.4% YoY	1.23% +13.4% YoY	Top 8.4% in tier
Net Interest Margin ?	4.33% +5.7% YoY +1.2% QoQ	+0.51%	3.82% +6.9% YoY	4.12% +1.2% YoY	3.89% +5.7% YoY	84%
Efficiency Ratio ?	47.92% -12.6% YoY -9.7% QoQ	-13.14%	61.06% -4.6% YoY	70.37% -1.0% YoY	66.95% -4.1% YoY	84%
Delinquency Rate ?	1.33% -21.2% YoY +6.8% QoQ	+0.44%	0.89% +14.1% YoY	1.51% +4.5% YoY	0.95% +18.8% YoY	19%
Loan-to-Deposit Ratio ?	99.94% -2.6% YoY +0.6% QoQ	+15.73%	84.20% +0.3% YoY	75.16% -1.5% YoY	76.70% +0.9% YoY	Bottom 13.9% in tier
Non-Interest-Bearing Deposit Share ?	24.57% +8.5% YoY -5.1% QoQ	+3.29%	21.29% -2.5% YoY	24.55% -1.4% YoY	22.01% -1.2% YoY	70%
Nonperforming Asset Ratio ?	1.11% -22.6% YoY +6.0% QoQ	+0.43%	0.67% +15.6% YoY	1.07% +4.2% YoY	0.67% +19.3% YoY	18%
Tier 1 Capital Ratio ?	13.94% +5.9% YoY +3.9% QoQ	-1.22%	15.16% +2.0% YoY	16.56% +0.4% YoY	17.06% +0.8% YoY	62%
Non-Interest Income / Assets ?	0.22% +178.7% YoY -46.9% QoQ	-0.04%	0.26% +1.6% YoY	0.11% -17.3% YoY	0.32% +4.1% YoY	76%

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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

#32 of 221 • Top 14.0% in tier

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

Why this signature

Return on Assets: 2.06%

(Tier: 1.37%, National: 1.23%)

better than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (1)

Liquidity Strain

risk

#101 of 334 • Bottom 29.9% 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: 99.94%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

334 of 334 Mid-Market banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

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 884 peers in $1B-$10B

Top Strengths (4 metrics)

Return on Assets

profitability

Value: 2.06%

Peer Median: 1.37%

#75 of 884 Top 8.4% in $1B-$10B

144

Net Interest Margin

profitability

Value: 4.33%

Peer Median: 3.82%

#144 of 884 Top 16.2% in $1B-$10B

146

Efficiency Ratio

profitability

Value: 47.92%

Peer Median: 61.06%

#146 of 884 Top 16.4% in $1B-$10B

216

Non-Interest Income / Assets

revenue_mix

Value: 0.22%

Peer Median: 0.26%

#216 of 884 Top 24.3% in $1B-$10B

Top Weaknesses (6 metrics)

827

Total Deposits

size

Value: $897.88M

Peer Median: $2.34B

#827 of 884 Bottom 6.6% in $1B-$10B

786

Total Assets

size

Value: $1.12B

Peer Median: $2.82B

#786 of 884 Bottom 11.2% in $1B-$10B

762

Loan-to-Deposit Ratio

liquidity

Value: 99.94%

Peer Median: 84.20%

#762 of 884 Bottom 13.9% in $1B-$10B

729

Nonperforming Asset Ratio

credit_quality

Value: 1.11%

Peer Median: 0.67%

#729 of 884 Bottom 17.6% in $1B-$10B

712

Delinquency Rate

credit_quality

Value: 1.33%

Peer Median: 0.89%

#712 of 880 Bottom 19.2% in $1B-$10B

668

Total Loans

size

Value: $897.32M

Peer Median: $1.96B

#668 of 884 Bottom 24.5% in $1B-$10B