BlastPoint's Banking Scorecard
Sicily Island State Bank
Designations: ✓ Community bank
Sicily Island, LA
2 branches across LA
Sicily Island State Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.95% above tier average
- + Net Interest Margin 0.77% above tier average
- + Efficiency Ratio 24.07% below tier average
- + Delinquency Rate 1.15% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 34.85% above tier average
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
|
+$31.1M |
$62.2M
-0.6% YoY
|
$784.8M
+7.0% YoY
|
$6.2B
+9.1% YoY
|
Top 8.5% in tier |
| Total Loans ? |
$73.1M
+2.7% YoY
+3.5% QoQ
|
+$38.8M |
$34.2M
-1.4% YoY
|
$523.7M
+4.0% YoY
|
$3.2B
+10.8% YoY
|
Top 3.0% in tier |
| Total Deposits ? |
$73.8M
+9.0% YoY
+3.5% QoQ
|
+$22.0M |
$51.7M
-0.7% YoY
|
$671.5M
+6.9% YoY
|
$4.8B
+8.2% YoY
|
80% |
| Return on Assets ? |
1.78%
-24.6% YoY
-21.1% QoQ
|
+0.95% |
0.84%
-2.3% YoY
|
1.24%
+12.4% YoY
|
1.23%
+13.4% YoY
|
Top 14.2% in tier |
| Net Interest Margin ? |
4.63%
-12.8% YoY
-10.7% QoQ
|
+0.77% |
3.86%
+2.8% YoY
|
4.12%
+1.2% YoY
|
3.89%
+5.7% YoY
|
79% |
| Efficiency Ratio ? |
64.27%
+8.2% YoY
+7.7% QoQ
|
-24.07% |
88.34%
+0.3% YoY
|
70.37%
-1.0% YoY
|
66.95%
-4.1% YoY
|
66% |
| Delinquency Rate ? |
0.22%
-78.1% YoY
+53.5% QoQ
|
-1.15% |
1.37%
+33.8% YoY
|
1.51%
+4.5% YoY
|
0.95%
+18.8% YoY
|
58% |
| Loan-to-Deposit Ratio ? |
99.06%
-5.8% YoY
-0.0% QoQ
|
+34.85% |
64.22%
-0.7% YoY
|
75.16%
-1.5% YoY
|
76.70%
+0.9% YoY
|
Bottom 7.9% in tier |
| Non-Interest-Bearing Deposit Share ? |
11.26%
-18.4% YoY
-13.4% QoQ
|
-12.46% |
23.71%
+0.3% YoY
|
24.55%
-1.4% YoY
|
22.01%
-1.2% YoY
|
17% |
| Nonperforming Asset Ratio ? |
0.17%
-79.2% YoY
+56.6% QoQ
|
-0.61% |
0.79%
+28.2% YoY
|
1.07%
+4.2% YoY
|
0.67%
+19.3% YoY
|
54% |
| Tier 1 Capital Ratio ? |
12.56%
-29.8% YoY
+1.8% QoQ
|
-14.12% |
26.68%
+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%
+1.9% YoY
|
0.11%
-17.3% YoY
|
0.32%
+4.1% YoY
|
82% |
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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.