BlastPoint's Banking Scorecard

Sicily Island State Bank

under $100M Specialty: Commercial LA FDIC cert 12722

Designations: ✓ Community bank

Sicily Island, LA

2 branches across LA

537 banks in the under $100M peer group nationally 11 in LA

Sicily Island State Bank has 4 strengths but faces 1 concern

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 0.93% above tier average
+ Net Interest Margin 0.76% above tier average
+ Efficiency Ratio 23.36% below tier average
+ Delinquency Rate 1.14% below tier average

Key Concerns

Areas that may need attention

- Loan-to-Deposit Ratio 34.96% above tier average

Get updates when Sicily Island State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Total Assets ?	$93.3M +8.4% YoY +1.4% QoQ	+$31.0M	$62.3M -0.5% YoY	$784.8M +7.0% YoY	$6.2B +9.0% YoY	Top 8.6% in tier
Total Loans ?	$73.1M +2.7% YoY +3.5% QoQ	+$38.8M	$34.3M -1.5% YoY	$523.7M +4.0% YoY	$3.2B +10.7% YoY	Top 3.0% in tier
Total Deposits ?	$73.8M +9.0% YoY +3.5% QoQ	+$21.9M	$51.8M -0.6% YoY	$671.5M +6.9% YoY	$4.8B +8.0% YoY	80%
Return on Assets ?	1.78% -24.6% YoY -21.1% QoQ	+0.93%	0.86% -3.6% YoY	1.24% +12.4% YoY	1.24% +13.1% YoY	Top 14.3% in tier
Net Interest Margin ?	4.63% -12.8% YoY -10.7% QoQ	+0.76%	3.87% +2.7% YoY	4.12% +1.2% YoY	3.89% +5.7% YoY	79%
Efficiency Ratio ?	64.27% +8.2% YoY +7.7% QoQ	-23.36%	87.63% +2.3% YoY	70.37% -1.0% YoY	66.84% -3.8% YoY	66%
Delinquency Rate ?	0.22% -78.1% YoY +53.5% QoQ	-1.14%	1.36% +33.7% YoY	1.51% +4.5% YoY	0.95% +18.8% YoY	58%
Loan-to-Deposit Ratio ?	99.06% -5.8% YoY -0.0% QoQ	+34.96%	64.11% -0.9% YoY	75.16% -1.5% YoY	76.69% +0.9% YoY	Bottom 8.0% in tier
Non-Interest-Bearing Deposit Share ?	11.26% -18.4% YoY -13.4% QoQ	-12.53%	23.79% +0.5% YoY	24.55% -1.4% YoY	22.01% -1.1% YoY	17%
Nonperforming Asset Ratio ?	0.17% -79.2% YoY +56.6% QoQ	-0.60%	0.77% +28.7% YoY	1.07% +4.2% YoY	0.66% +19.3% YoY	54%
Tier 1 Capital Ratio ?	12.56% -29.8% YoY +1.8% QoQ	-14.21%	26.77% +2.0% YoY	16.56% +0.4% YoY	17.06% +0.8% YoY	27%
Non-Interest Income / Assets ?	0.14% -29.8% YoY -78.1% QoQ	-0.53%	0.67% +1.6% YoY	0.11% -17.3% YoY	0.32% +4.0% YoY	82%

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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 (0)

No matched concern signatures this quarter

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 537 peers in under $100M

Top Strengths (6 metrics)

Total Loans

size

Value: $73.09M

Peer Median: $34.29M

#17 of 537 Top 3.0% in under $100M

Total Assets

size

Value: $93.28M

Peer Median: $62.28M

#47 of 537 Top 8.6% in under $100M

Return on Assets

profitability

Value: 1.78%

Peer Median: 0.86%

#78 of 537 Top 14.3% in under $100M

100

Non-Interest Income / Assets

revenue_mix

Value: 0.14%

Peer Median: 0.67%

#100 of 537 Top 18.4% in under $100M

108

Total Deposits

size

Value: $73.78M

Peer Median: $51.83M

#108 of 537 Top 19.9% in under $100M

112

Net Interest Margin

profitability

Value: 4.63%

Peer Median: 3.87%

#112 of 537 Top 20.7% in under $100M

Top Weaknesses (2 metrics)

495

Loan-to-Deposit Ratio

liquidity

Value: 99.06%

Peer Median: 64.11%

#495 of 537 Bottom 8.0% in under $100M

448

Non-Interest-Bearing Deposit Share

funding

Value: 11.26%

Peer Median: 23.79%

#448 of 537 Bottom 16.8% in under $100M