BlastPoint's Banking Scorecard

First National Bank in DeRidder

$100M-$1B Specialty: Commercial LA FDIC cert 14427

Deridder, LA

7 branches across LA

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

First National Bank in DeRidder shows strong momentum with 3 strengths and 8.4% YoY asset growth

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 0.08% above tier average
+ Net Interest Margin 0.17% above tier average
+ Efficiency Ratio 6.08% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when First National Bank in DeRidder releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Total Assets ?	$425.1M +8.4% YoY +2.1% QoQ	+$39.0M	$386.1M +0.5% YoY	$784.8M +7.0% YoY	$6.2B +9.1% YoY	64%
Total Loans ?	$241.8M +3.3% YoY +2.0% QoQ	-$13.9M	$255.7M +1.1% YoY	$523.7M +4.0% YoY	$3.2B +10.8% YoY	58%
Total Deposits ?	$385.8M +7.6% YoY +2.1% QoQ	+$57.8M	$328.0M +0.1% YoY	$671.5M +6.9% YoY	$4.8B +8.2% YoY	68%
Return on Assets ?	1.35% +5.5% YoY +5.1% QoQ	+0.08%	1.27% +12.9% YoY	1.24% +12.4% YoY	1.23% +13.4% YoY	58%
Net Interest Margin ?	4.10% +2.9% YoY -0.3% QoQ	+0.17%	3.93% +6.0% YoY	4.12% +1.2% YoY	3.89% +5.7% YoY	63%
Efficiency Ratio ?	59.21% -3.1% YoY -5.2% QoQ	-6.08%	65.29% -4.5% YoY	70.37% -1.0% YoY	66.95% -4.1% YoY	62%
Delinquency Rate ?	0.93% -28.9% YoY +39.0% QoQ	+0.04%	0.89% +18.8% YoY	1.51% +4.5% YoY	0.95% +18.8% YoY	30%
Loan-to-Deposit Ratio ?	62.69% -4.0% YoY -0.1% QoQ	-13.95%	76.64% +0.8% YoY	75.16% -1.5% YoY	76.70% +0.9% YoY	78%
Non-Interest-Bearing Deposit Share ?	30.84% +0.9% YoY +2.9% QoQ	+8.82%	22.02% -1.0% YoY	24.55% -1.4% YoY	22.01% -1.2% YoY	84%
Nonperforming Asset Ratio ?	0.75% -4.4% YoY +20.4% QoQ	+0.12%	0.64% +19.7% YoY	1.07% +4.2% YoY	0.67% +19.3% YoY	27%
Tier 1 Capital Ratio ?	17.25% +5.1% YoY -0.2% QoQ	+1.42%	15.83% +1.5% YoY	16.56% +0.4% YoY	17.06% +0.8% YoY	78%
Non-Interest Income / Assets ?	0.16% -1.8% YoY -76.5% QoQ	-0.12%	0.28% +9.3% YoY	0.11% -17.3% YoY	0.32% +4.1% YoY	77%

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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 (4 metrics)

430

Non-Interest-Bearing Deposit Share

funding

Value: 30.84%

Peer Median: 22.02%

#430 of 2664 Top 16.1% in $100M-$1B

590

Tier 1 Capital Ratio

capital

Value: 17.25%

Peer Median: 15.83%

#590 of 2664 Top 22.1% in $100M-$1B

593

Loan-to-Deposit Ratio

liquidity

Value: 62.69%

Peer Median: 76.64%

#593 of 2664 Top 22.2% in $100M-$1B

619

Non-Interest Income / Assets

revenue_mix

Value: 0.16%

Peer Median: 0.28%

#619 of 2664 Top 23.2% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available