BlastPoint's Banking Scorecard
Simmesport State Bank
Designations: ✓ CDFI-certified
Simmesport, LA
2 branches across LA
Simmesport State Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.48% above tier average
- + Efficiency Ratio 11.08% below tier average
Key Concerns
Areas that may need attention
- - Capital Constraint: Bottom 5.6% in tier
- - Deposit Outflow: Bottom 34.4% in tier
- - Delinquency Rate 3.19% above tier average
- - Nonperforming Asset Ratio 3.16% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$201.6M
-9.3% YoY
+0.8% QoQ
|
-$184.5M |
$386.1M
+0.5% YoY
|
$784.8M
+7.0% YoY
|
$6.2B
+9.1% YoY
|
27% |
| Total Loans ? |
$157.0M
-13.4% YoY
-1.7% QoQ
|
-$98.7M |
$255.7M
+1.1% YoY
|
$523.7M
+4.0% YoY
|
$3.2B
+10.8% YoY
|
38% |
| Total Deposits ? |
$176.8M
-7.0% YoY
+0.5% QoQ
|
-$151.2M |
$328.0M
+0.1% YoY
|
$671.5M
+6.9% YoY
|
$4.8B
+8.2% YoY
|
28% |
| Return on Assets ? |
1.29%
+20.7% YoY
+328.2% QoQ
|
+0.02% |
1.27%
+12.9% YoY
|
1.24%
+12.4% YoY
|
1.23%
+13.4% YoY
|
55% |
| Net Interest Margin ? |
4.41%
+8.9% YoY
+6.5% QoQ
|
+0.48% |
3.93%
+6.0% YoY
|
4.12%
+1.2% YoY
|
3.89%
+5.7% YoY
|
78% |
| Efficiency Ratio ? |
54.21%
-10.0% YoY
-18.4% QoQ
|
-11.08% |
65.29%
-4.5% YoY
|
70.37%
-1.0% YoY
|
66.95%
-4.1% YoY
|
75% |
| Delinquency Rate ? |
4.07%
+103.5% YoY
+0.6% QoQ
|
+3.19% |
0.89%
+18.8% YoY
|
1.51%
+4.5% YoY
|
0.95%
+18.8% YoY
|
Bottom 3.2% in tier |
| Loan-to-Deposit Ratio ? |
88.81%
-6.9% YoY
-2.2% QoQ
|
+12.17% |
76.64%
+0.8% YoY
|
75.16%
-1.5% YoY
|
76.70%
+0.9% YoY
|
26% |
| Non-Interest-Bearing Deposit Share ? |
14.19%
+7.5% YoY
-1.5% QoQ
|
-7.83% |
22.02%
-1.0% YoY
|
24.55%
-1.4% YoY
|
22.01%
-1.2% YoY
|
21% |
| Nonperforming Asset Ratio ? |
3.80%
+113.7% YoY
-0.5% QoQ
|
+3.16% |
0.64%
+19.7% YoY
|
1.07%
+4.2% YoY
|
0.67%
+19.3% YoY
|
Bottom 1.7% in tier |
| Tier 1 Capital Ratio ? |
11.83%
+14.3% YoY
+6.3% QoQ
|
-4.00% |
15.83%
+1.5% YoY
|
16.56%
+0.4% YoY
|
17.06%
+0.8% YoY
|
33% |
| Non-Interest Income / Assets ? |
0.09%
+7.9% YoY
-72.1% QoQ
|
-0.19% |
0.28%
+9.3% YoY
|
0.11%
-17.3% YoY
|
0.32%
+4.1% YoY
|
47% |
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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)
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.