BlastPoint's Banking Scorecard

Feliciana Bank & Trust Company

$100M-$1B Specialty: Commercial LA FDIC cert 1380

Clinton, LA

3 branches across LA

2664 banks in the $100M-$1B peer group nationally 74 in LA

Feliciana Bank & Trust Company demonstrates 4 strengths

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 0.20% above tier average
+ Net Interest Margin 0.51% above tier average
+ Efficiency Ratio 0.34% below tier average
+ Delinquency Rate 0.30% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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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 ?	$170.9M +4.3% YoY +2.8% QoQ	-$215.1M	$386.1M +0.5% YoY	$784.8M +7.0% YoY	$6.2B +9.1% YoY	20%
Total Loans ?	$126.2M +5.8% YoY +3.7% QoQ	-$129.5M	$255.7M +1.1% YoY	$523.7M +4.0% YoY	$3.2B +10.8% YoY	28%
Total Deposits ?	$144.2M +1.2% YoY +3.0% QoQ	-$183.8M	$328.0M +0.1% YoY	$671.5M +6.9% YoY	$4.8B +8.2% YoY	19%
Return on Assets ?	1.47% +10.4% YoY +12.4% QoQ	+0.20%	1.27% +12.9% YoY	1.24% +12.4% YoY	1.23% +13.4% YoY	66%
Net Interest Margin ?	4.44% +6.5% YoY +1.4% QoQ	+0.51%	3.93% +6.0% YoY	4.12% +1.2% YoY	3.89% +5.7% YoY	80%
Efficiency Ratio ?	64.94% +1.5% YoY -0.1% QoQ	-0.34%	65.29% -4.5% YoY	70.37% -1.0% YoY	66.95% -4.1% YoY	45%
Delinquency Rate ?	0.58% -45.8% YoY +74.9% QoQ	-0.30%	0.89% +18.8% YoY	1.51% +4.5% YoY	0.95% +18.8% YoY	41%
Loan-to-Deposit Ratio ?	87.50% +4.5% YoY +0.7% QoQ	+10.86%	76.64% +0.8% YoY	75.16% -1.5% YoY	76.70% +0.9% YoY	29%
Non-Interest-Bearing Deposit Share ?	21.56% -9.7% YoY -1.7% QoQ	-0.46%	22.02% -1.0% YoY	24.55% -1.4% YoY	22.01% -1.2% YoY	52%
Nonperforming Asset Ratio ?	0.69% -32.2% YoY +34.9% QoQ	+0.06%	0.64% +19.7% YoY	1.07% +4.2% YoY	0.67% +19.3% YoY	29%
Tier 1 Capital Ratio ?	11.97% +2.1% YoY +0.4% QoQ	-3.86%	15.83% +1.5% YoY	16.56% +0.4% YoY	17.06% +0.8% YoY	35%
Non-Interest Income / Assets ?	0.07% +45.7% YoY -64.0% QoQ	-0.21%	0.28% +9.3% YoY	0.11% -17.3% YoY	0.32% +4.1% YoY	30%

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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 2664 peers in $100M-$1B

Top Strengths (1 metrics)

542

Net Interest Margin

profitability

Value: 4.44%

Peer Median: 3.93%

#542 of 2664 Top 20.3% in $100M-$1B

Top Weaknesses (2 metrics)

2146

Total Deposits

size

Value: $144.21M

Peer Median: $327.97M

#2146 of 2664 Bottom 19.5% in $100M-$1B

2145

Total Assets

size

Value: $170.95M

Peer Median: $386.08M

#2145 of 2664 Bottom 19.5% in $100M-$1B