BlastPoint's Banking Scorecard
Sicily Island State Bank
Designations: ✓ Community bank
Sicily Island, LA
2 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 536 banks in the under $100M peer group nationwide — 1 of 11 in LA.
- Deposits +19.0% year over year ($72.9M on the books).
- Delinquency rate 0.13%.
- Return on assets 1.79%.
- Efficiency ratio 63.50% vs a 119.40% peer average.
- Loan-to-deposit ratio 99.58% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Sicily Island State Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.80% above tier average
- + Net Interest Margin 0.79% above tier average
- + Efficiency Ratio 55.89% below tier average
- + Delinquency Rate 1.35% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 25.37% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$92.4M
+13.5% YoY
-0.9% QoQ
|
+$30.0M |
$62.4M
-0.0% YoY
|
$799.3M
+7.8% YoY
|
$6.3B
+7.7% YoY
|
Top 10.8% in tier |
| Total Loans ? |
$72.6M
-0.8% YoY
-0.7% QoQ
|
+$37.7M |
$34.9M
-0.6% YoY
|
$538.5M
+5.3% YoY
|
$3.2B
+9.4% YoY
|
Top 4.5% in tier |
| Total Deposits ? |
$72.9M
+19.0% YoY
-1.2% QoQ
|
+$21.3M |
$51.6M
-0.2% YoY
|
$677.9M
+7.3% YoY
|
$4.9B
+7.3% YoY
|
79% |
| Return on Assets ? |
1.79%
-22.7% YoY
+0.6% QoQ
|
+0.80% |
1.00%
+3.5% YoY
|
1.37%
+23.6% YoY
|
1.30%
+12.1% YoY
|
84% |
| Net Interest Margin ? |
4.70%
-11.3% YoY
+1.6% QoQ
|
+0.79% |
3.91%
+2.3% YoY
|
4.15%
+0.0% YoY
|
3.95%
+4.9% YoY
|
81% |
| Efficiency Ratio ? |
63.50%
+6.5% YoY
-1.2% QoQ
|
-55.89% |
119.40%
+49.6% YoY
|
69.40%
-0.9% YoY
|
70.05%
+2.5% YoY
|
67% |
| Delinquency Rate ? |
0.13%
-88.8% YoY
-39.7% QoQ
|
-1.35% |
1.48%
+31.8% YoY
|
1.53%
+7.9% YoY
|
0.98%
+16.3% YoY
|
63% |
| Loan-to-Deposit Ratio ? |
99.58%
-16.7% YoY
+0.5% QoQ
|
+25.37% |
74.21%
+12.6% YoY
|
77.15%
-1.0% YoY
|
79.03%
+2.3% YoY
|
Bottom 9.3% in tier |
| Non-Interest-Bearing Deposit Share ? |
11.51%
-15.1% YoY
+2.2% QoQ
|
-11.98% |
23.49%
+0.6% YoY
|
24.65%
+0.5% YoY
|
21.98%
-0.6% YoY
|
17% |
| Nonperforming Asset Ratio ? |
0.10%
-90.2% YoY
-39.6% QoQ
|
-0.73% |
0.84%
+23.0% YoY
|
1.11%
+4.1% YoY
|
0.69%
+15.8% YoY
|
60% |
| Tier 1 Capital Ratio ? |
13.19%
-1.2% YoY
+5.0% QoQ
|
-13.94% |
27.13%
+3.0% YoY
|
17.35%
+5.4% YoY
|
17.09%
+0.8% YoY
|
34% |
| Non-Interest Income / Assets ? |
0.27%
-29.5% YoY
+90.2% QoQ
|
-1.12% |
1.38%
+6.3% YoY
|
0.33%
+19.6% YoY
|
0.66%
+5.2% YoY
|
80% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
11.5%
-2.1pp YoY +0.2pp QoQ |
-13.1pp | 24.6% | 24.6% | 22.2% | 12% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 |
8.4%
-0.9pp YoY -0.5pp QoQ |
-5.0pp | 13.4% | 12.6% | 12.5% | 42% |
| CRE | n/a | n/a | 25.2% | 44.9% | 41.4% | n/a |
| 1-4 Family |
40.5%
-6.6pp YoY -1.5pp QoQ |
+5.5pp | 35.0% | 34.2% | 31.3% | 63% |
| Consumer |
3.9%
+0.1pp YoY -0.2pp QoQ |
-3.8pp | 7.7% | 4.2% | 5.0% | 41% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 22.5% | 19.7% | n/a |
| Leverage Ratio |
13.2%
-0.2pp YoY +0.6pp QoQ |
-4.5pp | 17.7% | 13.4% | 12.6% | 55% |
| Total Capital Ratio | n/a | n/a | 39.7% | 23.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
15
0 YoY 0 QoQ |
+3 | 12 | 114 | 482 | 73% |
| Assets per Employee ($) |
$6.2M
+13.5% YoY -0.9% QoQ |
-$27K | $6.2M | $6.8M | $8.8M | 54% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 9 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
-0.4pp YoY -0.1pp QoQ |
-1.0pp | 1.0% | 0.4% | 0.4% | 3% |
| Nonaccrual |
0.1%
-0.7pp YoY 0.0pp QoQ |
-1.6pp | 1.7% | 1.4% | 1.0% | 16% |
| Allowance Coverage |
7.63x
+821.6% YoY +75.3% QoQ |
+1.22x | 6.41x | 27.36x | 20.23x | 86% |
| Net Charge-off Rate (YTD) |
-0.1%
-0.1pp YoY 0.0pp QoQ |
-0.2pp | 0.2% | 0.1% | 0.2% | 14% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.2%
-3.4pp YoY -0.2pp QoQ |
+7.8pp | 6.4% | 12.5% | 11.6% | 82% |
| Cost of Funds (YTD) |
2.6%
+0.1pp YoY -0.1pp QoQ |
+1.1pp | 1.4% | 1.7% | 1.7% | 93% |
| Net Income ($, YTD) |
$830,000
-14.0% YoY — QoQ |
+$512K | $317,817 | $5.1M | $40.4M | 92% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.