BlastPoint's Banking Scorecard
State Bank & Trust Company
Golden Meadow, LA
4 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 +9.9% year over year ($145.3M on the books).
- Delinquency rate 0.47%.
- Return on assets 1.50%.
- Efficiency ratio 65.13% vs a 64.48% peer average.
- Loan-to-deposit ratio 78.78% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
State Bank & Trust Company has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.18% above tier average
- + Net Interest Margin 0.16% above tier average
- + Delinquency Rate 0.45% below tier average
Key Concerns
Areas that may need attention
- - Efficiency Ratio 0.65% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$165.1M
+9.9% YoY
+6.3% QoQ
|
-$221.5M |
$386.6M
+1.2% YoY
|
$799.3M
+7.8% YoY
|
$6.3B
+7.7% YoY
|
18% |
| Total Loans ? |
$114.4M
+19.4% YoY
+14.8% QoQ
|
-$143.9M |
$258.3M
+1.7% YoY
|
$538.5M
+5.3% YoY
|
$3.2B
+9.4% YoY
|
24% |
| Total Deposits ? |
$145.3M
+9.9% YoY
+6.9% QoQ
|
-$181.5M |
$326.7M
+0.7% YoY
|
$677.9M
+7.3% YoY
|
$4.9B
+7.3% YoY
|
20% |
| Return on Assets ? |
1.50%
+52.5% YoY
+9.4% QoQ
|
+0.18% |
1.32%
+10.8% YoY
|
1.37%
+23.6% YoY
|
1.30%
+12.1% YoY
|
65% |
| Net Interest Margin ? |
4.15%
+5.4% YoY
+2.4% QoQ
|
+0.16% |
3.99%
+5.0% YoY
|
4.15%
+0.0% YoY
|
3.95%
+4.9% YoY
|
62% |
| Efficiency Ratio ? |
65.13%
-13.2% YoY
-3.3% QoQ
|
+0.65% |
64.48%
-3.2% YoY
|
69.40%
-0.9% YoY
|
70.05%
+2.5% YoY
|
42% |
| Delinquency Rate ? |
0.47%
-28.5% YoY
-14.0% QoQ
|
-0.45% |
0.92%
+15.7% YoY
|
1.53%
+7.9% YoY
|
0.98%
+16.3% YoY
|
47% |
| Loan-to-Deposit Ratio ? |
78.78%
+8.6% YoY
+7.4% QoQ
|
+0.83% |
77.95%
+1.0% YoY
|
77.15%
-1.0% YoY
|
79.03%
+2.3% YoY
|
52% |
| Non-Interest-Bearing Deposit Share ? |
31.04%
+11.1% YoY
+0.8% QoQ
|
+9.01% |
22.03%
-0.6% YoY
|
24.65%
+0.5% YoY
|
21.98%
-0.6% YoY
|
84% |
| Nonperforming Asset Ratio ? |
0.32%
-22.4% YoY
-7.1% QoQ
|
-0.35% |
0.67%
+16.4% YoY
|
1.11%
+4.1% YoY
|
0.69%
+15.8% YoY
|
50% |
| Tier 1 Capital Ratio ? |
14.35%
-5.7% YoY
-9.0% QoQ
|
-1.56% |
15.91%
+1.4% YoY
|
17.35%
+5.4% YoY
|
17.09%
+0.8% YoY
|
60% |
| Non-Interest Income / Assets ? |
0.18%
+47.9% YoY
+94.7% QoQ
|
-0.39% |
0.57%
+7.6% YoY
|
0.33%
+19.6% YoY
|
0.66%
+5.2% YoY
|
44% |
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 |
31.0%
+3.1pp YoY +0.3pp QoQ |
+8.9pp | 22.1% | 24.6% | 22.2% | 84% |
| Brokered Deposits | n/a | n/a | 7.9% | 6.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
26.8%
+2.6pp YoY +0.4pp QoQ |
+15.3pp | 11.6% | 12.6% | 12.5% | 95% |
| CRE | n/a | n/a | 39.5% | 44.9% | 41.4% | n/a |
| 1-4 Family |
22.9%
+0.9pp YoY +1.3pp QoQ |
-9.7pp | 32.6% | 34.2% | 31.3% | 36% |
| Consumer |
6.1%
-2.2pp YoY -0.7pp QoQ |
+1.9pp | 4.1% | 4.2% | 5.0% | 82% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
14.3%
-0.9pp YoY -1.4pp QoQ |
-4.5pp | 18.8% | 22.5% | 19.7% | 42% |
| Leverage Ratio |
10.6%
0.0pp YoY -0.4pp QoQ |
-1.5pp | 12.2% | 13.4% | 12.6% | 44% |
| Total Capital Ratio |
15.6%
-0.9pp YoY -1.4pp QoQ |
-4.3pp | 19.9% | 23.6% | 20.8% | 44% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
32
0 YoY 0 QoQ |
-27 | 58 | 114 | 482 | 30% |
| Assets per Employee ($) |
$5.2M
+9.9% YoY +6.3% QoQ |
-$2.4M | $7.5M | $6.8M | $8.8M | 17% |
| Branch Count |
4
0 YoY 0 QoQ |
-1 | 4 | 9 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.5%
-0.2pp YoY -0.1pp QoQ |
-0.5pp | 0.9% | 1.4% | 1.0% | 51% |
| Allowance Coverage |
2.76x
+17.7% YoY +2.3% QoQ |
-21.39x | 24.15x | 27.36x | 20.23x | 56% |
| Net Charge-off Rate (YTD) |
-0.0%
-0.1pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.1% | 0.2% | 5% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
17.6%
+5.2pp YoY +1.7pp QoQ |
+5.4pp | 12.2% | 12.5% | 11.6% | 80% |
| Cost of Funds (YTD) |
1.6%
-0.1pp YoY 0.0pp QoQ |
-0.1pp | 1.7% | 1.7% | 1.7% | 41% |
| Net Income ($, YTD) |
$1.2M
+62.0% YoY — QoQ |
-$1.4M | $2.6M | $5.1M | $40.4M | 32% |
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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.