BlastPoint's Banking Scorecard
Vermilion Bank & Trust Company
Kaplan, LA
3 branches across LA
Vermilion Bank & Trust Company has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 48.2% in tier
- + ROA 0.66% above tier average
- + Net Interest Margin 0.18% above tier average
- + Efficiency Ratio 7.38% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 0.70% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$149.0M
+0.7% YoY
-12.2% QoQ
|
-$237.0M |
$386.1M
+0.5% YoY
|
$784.8M
+7.0% YoY
|
$6.2B
+9.1% YoY
|
Bottom 14.0% in tier |
| Total Loans ? |
$66.1M
+0.0% YoY
+0.2% QoQ
|
-$189.6M |
$255.7M
+1.1% YoY
|
$523.7M
+4.0% YoY
|
$3.2B
+10.8% YoY
|
Bottom 6.4% in tier |
| Total Deposits ? |
$130.4M
-1.1% YoY
-14.1% QoQ
|
-$197.5M |
$328.0M
+0.1% YoY
|
$671.5M
+6.9% YoY
|
$4.8B
+8.2% YoY
|
15% |
| Return on Assets ? |
1.92%
+3.4% YoY
-5.3% QoQ
|
+0.66% |
1.27%
+12.9% YoY
|
1.24%
+12.4% YoY
|
1.23%
+13.4% YoY
|
Top 14.5% in tier |
| Net Interest Margin ? |
4.11%
-0.9% YoY
-1.7% QoQ
|
+0.18% |
3.93%
+6.0% YoY
|
4.12%
+1.2% YoY
|
3.89%
+5.7% YoY
|
64% |
| Efficiency Ratio ? |
57.90%
+4.0% YoY
+7.1% QoQ
|
-7.38% |
65.29%
-4.5% YoY
|
70.37%
-1.0% YoY
|
66.95%
-4.1% YoY
|
66% |
| Delinquency Rate ? |
1.58%
-7.5% YoY
+7.6% QoQ
|
+0.70% |
0.89%
+18.8% YoY
|
1.51%
+4.5% YoY
|
0.95%
+18.8% YoY
|
17% |
| Loan-to-Deposit Ratio ? |
50.71%
+1.1% YoY
+16.6% QoQ
|
-25.93% |
76.64%
+0.8% YoY
|
75.16%
-1.5% YoY
|
76.70%
+0.9% YoY
|
Top 10.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
26.70%
-2.4% YoY
+19.3% QoQ
|
+4.68% |
22.02%
-1.0% YoY
|
24.55%
-1.4% YoY
|
22.01%
-1.2% YoY
|
72% |
| Nonperforming Asset Ratio ? |
0.70%
-19.9% YoY
+16.8% QoQ
|
+0.07% |
0.64%
+19.7% YoY
|
1.07%
+4.2% YoY
|
0.67%
+19.3% YoY
|
29% |
| Tier 1 Capital Ratio ? |
23.83%
+9.5% YoY
+6.6% QoQ
|
+8.00% |
15.83%
+1.5% YoY
|
16.56%
+0.4% YoY
|
17.06%
+0.8% YoY
|
Top 7.7% in tier |
| Non-Interest Income / Assets ? |
0.17%
+0.1% YoY
-71.3% QoQ
|
-0.11% |
0.28%
+9.3% YoY
|
0.11%
-17.3% YoY
|
0.32%
+4.1% YoY
|
78% |
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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 (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.