BlastPoint's Banking Scorecard
M C Bank & Trust Company
Morgan City, LA
10 branches across LA
M C Bank & Trust Company has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.28% above tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 35.1% in tier
- - Liquidity Overhang: Bottom 47.8% in tier
- - Delinquency Rate 3.36% above tier average
- - Nonperforming Asset Ratio 2.12% above tier average
- - Efficiency Ratio 6.28% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$489.8M
+10.5% YoY
+2.5% QoQ
|
+$103.8M |
$386.1M
+0.5% YoY
|
$784.8M
+7.0% YoY
|
$6.2B
+9.1% YoY
|
71% |
| Total Loans ? |
$317.5M
+0.7% YoY
+2.9% QoQ
|
+$61.8M |
$255.7M
+1.1% YoY
|
$523.7M
+4.0% YoY
|
$3.2B
+10.8% YoY
|
70% |
| Total Deposits ? |
$394.2M
+11.3% YoY
+3.0% QoQ
|
+$66.2M |
$328.0M
+0.1% YoY
|
$671.5M
+6.9% YoY
|
$4.8B
+8.2% YoY
|
69% |
| Return on Assets ? |
0.84%
-15.3% YoY
-8.1% QoQ
|
-0.43% |
1.27%
+12.9% YoY
|
1.24%
+12.4% YoY
|
1.23%
+13.4% YoY
|
28% |
| Net Interest Margin ? |
4.21%
-1.3% YoY
-4.0% QoQ
|
+0.28% |
3.93%
+6.0% YoY
|
4.12%
+1.2% YoY
|
3.89%
+5.7% YoY
|
69% |
| Efficiency Ratio ? |
71.57%
-0.2% YoY
-3.1% QoQ
|
+6.28% |
65.29%
-4.5% YoY
|
70.37%
-1.0% YoY
|
66.95%
-4.1% YoY
|
29% |
| Delinquency Rate ? |
4.25%
+556.3% YoY
+187.8% QoQ
|
+3.36% |
0.89%
+18.8% YoY
|
1.51%
+4.5% YoY
|
0.95%
+18.8% YoY
|
Bottom 3.1% in tier |
| Loan-to-Deposit Ratio ? |
80.54%
-9.5% YoY
-0.1% QoQ
|
+3.90% |
76.64%
+0.8% YoY
|
75.16%
-1.5% YoY
|
76.70%
+0.9% YoY
|
45% |
| Non-Interest-Bearing Deposit Share ? |
23.38%
-1.9% YoY
+4.8% QoQ
|
+1.36% |
22.02%
-1.0% YoY
|
24.55%
-1.4% YoY
|
22.01%
-1.2% YoY
|
60% |
| Nonperforming Asset Ratio ? |
2.76%
+414.9% YoY
+189.2% QoQ
|
+2.12% |
0.64%
+19.7% YoY
|
1.07%
+4.2% YoY
|
0.67%
+19.3% YoY
|
Bottom 3.6% in tier |
| Tier 1 Capital Ratio ? |
17.34%
-5.4% YoY
+0.4% QoQ
|
+1.51% |
15.83%
+1.5% YoY
|
16.56%
+0.4% YoY
|
17.06%
+0.8% YoY
|
78% |
| Non-Interest Income / Assets ? |
0.09%
-20.7% YoY
-79.2% QoQ
|
-0.19% |
0.28%
+9.3% YoY
|
0.11%
-17.3% YoY
|
0.32%
+4.1% YoY
|
44% |
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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 (2)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.