BlastPoint's Banking Scorecard
Feliciana Bank & Trust Company
Clinton, LA
3 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 73 in LA.
- Deposits +3.5% year over year ($146.1M on the books).
- Delinquency rate 0.70%.
- Return on assets 1.54%.
- Efficiency ratio 64.17% vs a 64.48% peer average.
- Loan-to-deposit ratio 92.16% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Feliciana Bank & Trust Company has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.22% above tier average
- + Net Interest Margin 0.51% above tier average
- + Efficiency Ratio 0.31% below tier average
- + Delinquency Rate 0.22% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 43.3% in tier
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$180.4M
+6.3% YoY
+5.5% QoQ
|
-$206.2M |
$386.6M
+1.2% YoY
|
$799.3M
+7.8% YoY
|
$6.3B
+7.7% YoY
|
21% |
| Total Loans ? |
$134.6M
+9.6% YoY
+6.7% QoQ
|
-$123.7M |
$258.3M
+1.7% YoY
|
$538.5M
+5.3% YoY
|
$3.2B
+9.4% YoY
|
30% |
| Total Deposits ? |
$146.1M
+3.5% YoY
+1.3% QoQ
|
-$180.7M |
$326.7M
+0.7% YoY
|
$677.9M
+7.3% YoY
|
$4.9B
+7.3% YoY
|
20% |
| Return on Assets ? |
1.54%
+34.8% YoY
+4.9% QoQ
|
+0.22% |
1.32%
+10.8% YoY
|
1.37%
+23.6% YoY
|
1.30%
+12.1% YoY
|
68% |
| Net Interest Margin ? |
4.49%
+8.4% YoY
+1.3% QoQ
|
+0.51% |
3.99%
+5.0% YoY
|
4.15%
+0.0% YoY
|
3.95%
+4.9% YoY
|
80% |
| Efficiency Ratio ? |
64.17%
-5.5% YoY
-1.2% QoQ
|
-0.31% |
64.48%
-3.2% YoY
|
69.40%
-0.9% YoY
|
70.05%
+2.5% YoY
|
45% |
| Delinquency Rate ? |
0.70%
-65.2% YoY
+20.0% QoQ
|
-0.22% |
0.92%
+15.7% YoY
|
1.53%
+7.9% YoY
|
0.98%
+16.3% YoY
|
38% |
| Loan-to-Deposit Ratio ? |
92.16%
+5.9% YoY
+5.3% QoQ
|
+14.21% |
77.95%
+1.0% YoY
|
77.15%
-1.0% YoY
|
79.03%
+2.3% YoY
|
22% |
| Non-Interest-Bearing Deposit Share ? |
21.82%
-7.6% YoY
+1.2% QoQ
|
-0.21% |
22.03%
-0.6% YoY
|
24.65%
+0.5% YoY
|
21.98%
-0.6% YoY
|
54% |
| Nonperforming Asset Ratio ? |
0.77%
-54.2% YoY
+11.2% QoQ
|
+0.10% |
0.67%
+16.4% YoY
|
1.11%
+4.1% YoY
|
0.69%
+15.8% YoY
|
27% |
| Tier 1 Capital Ratio ? |
11.81%
-5.1% YoY
-1.4% QoQ
|
-4.10% |
15.91%
+1.4% YoY
|
17.35%
+5.4% YoY
|
17.09%
+0.8% YoY
|
34% |
| Non-Interest Income / Assets ? |
0.11%
+3.1% YoY
+60.4% QoQ
|
-0.46% |
0.57%
+7.6% YoY
|
0.33%
+19.6% YoY
|
0.66%
+5.2% YoY
|
21% |
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 |
21.8%
-1.8pp YoY +0.3pp QoQ |
-0.3pp | 22.1% | 24.6% | 22.2% | 53% |
| Brokered Deposits |
0.1%
0.0pp QoQ |
-7.7pp | 7.9% | 6.7% | 8.5% | 6% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
5.8%
-0.4pp YoY -0.3pp QoQ |
-5.8pp | 11.6% | 12.6% | 12.5% | 24% |
| CRE |
37.4%
+4.3pp YoY +3.6pp QoQ |
-2.2pp | 39.5% | 44.9% | 41.4% | 48% |
| 1-4 Family |
42.8%
+0.1pp YoY -2.3pp QoQ |
+10.2pp | 32.6% | 34.2% | 31.3% | 74% |
| Consumer |
3.7%
-0.2pp YoY 0.0pp QoQ |
-0.4pp | 4.1% | 4.2% | 5.0% | 67% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 22.5% | 19.7% | n/a |
| Leverage Ratio |
11.8%
-0.6pp YoY -0.2pp QoQ |
-0.4pp | 12.2% | 13.4% | 12.6% | 62% |
| Total Capital Ratio | n/a | n/a | 19.9% | 23.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
31
+1 (+3.3%) YoY -1 (-3.1%) QoQ |
-28 | 58 | 114 | 482 | 28% |
| Assets per Employee ($) |
$5.8M
+2.9% YoY +8.9% QoQ |
-$1.7M | $7.5M | $6.8M | $8.8M | 30% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 9 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
-0.1pp YoY |
-0.3pp | 0.3% | 0.4% | 0.4% | 22% |
| Nonaccrual |
0.7%
-1.3pp YoY +0.1pp QoQ |
-0.3pp | 0.9% | 1.4% | 1.0% | 62% |
| Allowance Coverage |
2.09x
+175.5% YoY -23.1% QoQ |
-22.06x | 24.15x | 27.36x | 20.23x | 49% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY +0.1pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 64% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.6%
+3.0pp YoY +0.8pp QoQ |
+2.4pp | 12.2% | 12.5% | 11.6% | 65% |
| Cost of Funds (YTD) |
2.1%
+0.1pp YoY 0.0pp QoQ |
+0.3pp | 1.7% | 1.7% | 1.7% | 74% |
| Net Income ($, YTD) |
$1.3M
+38.9% YoY — QoQ |
-$1.2M | $2.6M | $5.1M | $40.4M | 37% |
Get Full Access to Feliciana Bank & Trust Company
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (1)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.