BlastPoint's Banking Scorecard
Basile State Bank
Designations: ✓ Community bank ✓ CDFI-certified
Basile, LA
3 branches across LA
Basile State Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.99% above tier average
- + ROA 0.88% above tier average
- + Efficiency Ratio 19.90% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.26% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$88.4M
+8.5% YoY
+9.4% QoQ
|
+$26.3M |
$62.2M
-0.6% YoY
|
$784.8M
+7.0% YoY
|
$6.2B
+9.1% YoY
|
85% |
| Total Loans ? |
$67.5M
+9.4% YoY
+0.4% QoQ
|
+$33.2M |
$34.2M
-1.4% YoY
|
$523.7M
+4.0% YoY
|
$3.2B
+10.8% YoY
|
Top 6.3% in tier |
| Total Deposits ? |
$79.2M
+9.0% YoY
+10.5% QoQ
|
+$27.4M |
$51.7M
-0.7% YoY
|
$671.5M
+6.9% YoY
|
$4.8B
+8.2% YoY
|
Top 11.1% in tier |
| Return on Assets ? |
1.72%
+54.8% YoY
+11.2% QoQ
|
+0.88% |
0.84%
-2.3% YoY
|
1.24%
+12.4% YoY
|
1.23%
+13.4% YoY
|
84% |
| Net Interest Margin ? |
5.85%
+1.1% YoY
-1.1% QoQ
|
+1.99% |
3.86%
+2.8% YoY
|
4.12%
+1.2% YoY
|
3.89%
+5.7% YoY
|
Top 2.4% in tier |
| Efficiency Ratio ? |
68.44%
-11.6% YoY
-4.7% QoQ
|
-19.90% |
88.34%
+0.3% YoY
|
70.37%
-1.0% YoY
|
66.95%
-4.1% YoY
|
57% |
| Delinquency Rate ? |
2.63%
+7.5% YoY
-7.3% QoQ
|
+1.26% |
1.37%
+33.8% YoY
|
1.51%
+4.5% YoY
|
0.95%
+18.8% YoY
|
16% |
| Loan-to-Deposit Ratio ? |
85.22%
+0.3% YoY
-9.2% QoQ
|
+21.00% |
64.22%
-0.7% YoY
|
75.16%
-1.5% YoY
|
76.70%
+0.9% YoY
|
20% |
| Non-Interest-Bearing Deposit Share ? |
38.11%
+4.9% YoY
+10.1% QoQ
|
+14.40% |
23.71%
+0.3% YoY
|
24.55%
-1.4% YoY
|
22.01%
-1.2% YoY
|
Top 10.5% in tier |
| Nonperforming Asset Ratio ? |
2.06%
+8.3% YoY
-14.9% QoQ
|
+1.28% |
0.79%
+28.2% YoY
|
1.07%
+4.2% YoY
|
0.67%
+19.3% YoY
|
Bottom 10.5% in tier |
| Tier 1 Capital Ratio ? |
10.33%
-4.1% YoY
-3.8% QoQ
|
-16.36% |
26.68%
+2.0% YoY
|
16.56%
+0.4% YoY
|
17.06%
+0.8% YoY
|
Bottom 8.5% in tier |
| Non-Interest Income / Assets ? |
0.14%
-18.7% YoY
-77.4% QoQ
|
-0.52% |
0.67%
+1.9% YoY
|
0.11%
-17.3% YoY
|
0.32%
+4.1% YoY
|
84% |
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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
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