BlastPoint's Banking Scorecard

Louisiana National Bank

$100M-$1B Specialty: Commercial LA FDIC cert 15059

Ruston, LA

10 branches across LA

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

Louisiana National Bank has 3 strengths but faces 4 concerns

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

+ Deposit Franchise: Top 61.0% in tier
+ ROA 0.41% above tier average
+ Efficiency Ratio 4.49% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 37.8% in tier
- Liquidity Strain: Bottom 48.4% in tier
- Nonperforming Asset Ratio 1.12% above tier average
- Delinquency Rate 0.57% above tier average

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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 ?	$473.5M +5.4% YoY -1.4% QoQ	+$87.4M	$386.1M +0.5% YoY	$784.8M +7.0% YoY	$6.2B +9.1% YoY	69%
Total Loans ?	$407.4M +6.3% YoY -1.5% QoQ	+$151.6M	$255.7M +1.1% YoY	$523.7M +4.0% YoY	$3.2B +10.8% YoY	80%
Total Deposits ?	$418.0M +4.5% YoY -1.9% QoQ	+$90.0M	$328.0M +0.1% YoY	$671.5M +6.9% YoY	$4.8B +8.2% YoY	71%
Return on Assets ?	1.67% +13.2% YoY -4.9% QoQ	+0.41%	1.27% +12.9% YoY	1.24% +12.4% YoY	1.23% +13.4% YoY	76%
Net Interest Margin ?	5.94% +5.2% YoY -0.7% QoQ	+2.01%	3.93% +6.0% YoY	4.12% +1.2% YoY	3.89% +5.7% YoY	Top 1.6% in tier
Efficiency Ratio ?	60.80% -3.9% YoY +1.0% QoQ	-4.49%	65.29% -4.5% YoY	70.37% -1.0% YoY	66.95% -4.1% YoY	57%
Delinquency Rate ?	1.45% -33.3% YoY +34.4% QoQ	+0.57%	0.89% +18.8% YoY	1.51% +4.5% YoY	0.95% +18.8% YoY	19%
Loan-to-Deposit Ratio ?	97.47% +1.7% YoY +0.4% QoQ	+20.83%	76.64% +0.8% YoY	75.16% -1.5% YoY	76.70% +0.9% YoY	Bottom 11.7% in tier
Non-Interest-Bearing Deposit Share ?	27.71% +11.1% YoY +11.8% QoQ	+5.69%	22.02% -1.0% YoY	24.55% -1.4% YoY	22.01% -1.2% YoY	76%
Nonperforming Asset Ratio ?	1.76% -6.2% YoY +0.3% QoQ	+1.12%	0.64% +19.7% YoY	1.07% +4.2% YoY	0.67% +19.3% YoY	Bottom 8.6% in tier
Tier 1 Capital Ratio ?	9.86% +6.0% YoY +0.7% QoQ	-5.97%	15.83% +1.5% YoY	16.56% +0.4% YoY	17.06% +0.8% YoY	Bottom 8.1% in tier
Non-Interest Income / Assets ?	0.09% -42.1% YoY -84.2% QoQ	-0.19%	0.28% +9.3% YoY	0.11% -17.3% YoY	0.32% +4.1% YoY	46%

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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 (1)

Deposit Franchise

growth

#167 of 272 • Top 61.0% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 27.71%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 5.94%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ

Concerns (2)

Capital Thin

risk

#253 of 666 • Bottom 37.8% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 9.86%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Liquidity Strain

risk

#312 of 643 • Bottom 48.4% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 97.47%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank declining

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)

Net Interest Margin

profitability

Value: 5.94%

Peer Median: 3.93%

#44 of 2664 Top 1.6% in $100M-$1B

531

Total Loans

size

Value: $407.36M

Peer Median: $255.72M

#531 of 2664 Top 19.9% in $100M-$1B

630

Return on Assets

profitability

Value: 1.67%

Peer Median: 1.27%

#630 of 2664 Top 23.6% in $100M-$1B

649

Non-Interest-Bearing Deposit Share

funding

Value: 27.71%

Peer Median: 22.02%

#649 of 2664 Top 24.3% in $100M-$1B

Top Weaknesses (4 metrics)

2448

Tier 1 Capital Ratio

capital

Value: 9.86%

Peer Median: 15.83%

#2448 of 2664 Bottom 8.1% in $100M-$1B

2437

Nonperforming Asset Ratio

credit_quality

Value: 1.76%

Peer Median: 0.64%

#2437 of 2664 Bottom 8.6% in $100M-$1B

2352

Loan-to-Deposit Ratio

liquidity

Value: 97.47%

Peer Median: 76.64%

#2352 of 2664 Bottom 11.7% in $100M-$1B

2149

Delinquency Rate

credit_quality

Value: 1.45%

Peer Median: 0.89%

#2149 of 2654 Bottom 19.1% in $100M-$1B