BlastPoint's Banking Scorecard

Vermilion Bank & Trust Company

$100M-$1B Specialty: Other LA FDIC cert 17841

Kaplan, LA

3 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 -1.6% year over year ($126.1M on the books).
Delinquency rate 2.21%.
Return on assets 1.84%.
Efficiency ratio 59.96% vs a 64.48% peer average.
Loan-to-deposit ratio 54.36% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 73 in LA

View $100M-$1B leaderboard (LA) →

Vermilion Bank & Trust Company has 3 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ ROA 0.52% above tier average
+ Net Interest Margin 0.20% above tier average
+ Efficiency Ratio 4.52% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 35.2% in tier

Get updates when Vermilion Bank & Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Total Assets ?	$145.5M +0.0% YoY -2.4% QoQ	-$241.1M	$386.6M +1.2% YoY	$799.3M +7.8% YoY	$6.3B +7.7% YoY	Bottom 12.7% in tier
Total Loans ?	$68.5M +1.8% YoY +3.6% QoQ	-$189.8M	$258.3M +1.7% YoY	$538.5M +5.3% YoY	$3.2B +9.4% YoY	Bottom 6.9% in tier
Total Deposits ?	$126.1M -1.6% YoY -3.3% QoQ	-$200.6M	$326.7M +0.7% YoY	$677.9M +7.3% YoY	$4.9B +7.3% YoY	Bottom 14.0% in tier
Return on Assets ?	1.84% -2.1% YoY -4.5% QoQ	+0.52%	1.32% +10.8% YoY	1.37% +23.6% YoY	1.30% +12.1% YoY	82%
Net Interest Margin ?	4.19% -1.0% YoY +1.8% QoQ	+0.20%	3.99% +5.0% YoY	4.15% +0.0% YoY	3.95% +4.9% YoY	64%
Efficiency Ratio ?	59.96% +6.5% YoY +3.5% QoQ	-4.52%	64.48% -3.2% YoY	69.40% -0.9% YoY	70.05% +2.5% YoY	57%
Delinquency Rate ?	2.21% +37.6% YoY +39.6% QoQ	+1.29%	0.92% +15.7% YoY	1.53% +7.9% YoY	0.98% +16.3% YoY	Bottom 10.9% in tier
Loan-to-Deposit Ratio ?	54.36% +3.5% YoY +7.2% QoQ	-23.60%	77.95% +1.0% YoY	77.15% -1.0% YoY	79.03% +2.3% YoY	Top 12.1% in tier
Non-Interest-Bearing Deposit Share ?	26.82% +1.6% YoY +0.4% QoQ	+4.79%	22.03% -0.6% YoY	24.65% +0.5% YoY	21.98% -0.6% YoY	72%
Nonperforming Asset Ratio ?	1.04% +21.3% YoY +48.2% QoQ	+0.37%	0.67% +16.4% YoY	1.11% +4.1% YoY	0.69% +15.8% YoY	19%
Tier 1 Capital Ratio ?	23.97% +7.5% YoY +0.6% QoQ	+8.06%	15.91% +1.4% YoY	17.35% +5.4% YoY	17.09% +0.8% YoY	Top 7.9% in tier
Non-Interest Income / Assets ?	0.35% +5.1% YoY +113.2% QoQ	-0.21%	0.57% +7.6% YoY	0.33% +19.6% YoY	0.66% +5.2% YoY	80%

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	26.8% +0.4pp YoY +0.1pp QoQ	+4.7pp	22.1%	24.6%	22.2%	72%
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	7.7% +0.2pp YoY -0.5pp QoQ	-3.8pp	11.6%	12.6%	12.5%	38%
CRE	31.8% -2.3pp YoY -1.6pp QoQ	-7.8pp	39.5%	44.9%	41.4%	38%
1-4 Family	32.8% -1.3pp YoY -0.1pp QoQ	+0.1pp	32.6%	34.2%	31.3%	57%
Consumer	9.5% -1.6pp YoY -0.5pp QoQ	+5.4pp	4.1%	4.2%	5.0%	91%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
CET1 Ratio	24.0% +1.7pp YoY +0.1pp QoQ	+5.1pp	18.8%	22.5%	19.7%	87%
Leverage Ratio	12.6% +1.2pp YoY +0.6pp QoQ	+0.4pp	12.2%	13.4%	12.6%	71%
Total Capital Ratio	25.2% +1.6pp YoY +0.1pp QoQ	+5.3pp	19.9%	23.6%	20.8%	87%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Full-Time Employees	25 +3 (+13.6%) YoY -1 (-3.8%) QoQ	-34	58	114	482	19%
Assets per Employee ($)	$5.8M -12.0% YoY +1.5% QoQ	-$1.7M	$7.5M	$6.8M	$8.8M	30%
Branch Count	3 0 YoY 0 QoQ	-2	4	9	18	26%

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	2.2% +0.6pp YoY +0.6pp QoQ	+1.3pp	0.9%	1.4%	1.0%	89%
Allowance Coverage	0.79x -62.4% YoY -29.3% QoQ	-23.37x	24.15x	27.36x	20.23x	20%
Net Charge-off Rate (YTD)	0.0% -0.1pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	60%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
ROE	16.5% -3.1pp YoY -1.6pp QoQ	+4.3pp	12.2%	12.5%	11.6%	75%
Cost of Funds (YTD)	0.7% -0.1pp YoY 0.0pp QoQ	-1.0pp	1.7%	1.7%	1.7%	4%
Net Income ($, YTD)	$1.4M -0.6% YoY — QoQ	-$1.1M	$2.6M	$5.1M	$40.4M	40%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Credit Risk Growth

risk

#330 of 936 • Bottom 35.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

210

Tier 1 Capital Ratio

capital

Value: 23.97%

Peer Median: 15.91%

#210 of 2643 Top 7.9% in $100M-$1B

321

Loan-to-Deposit Ratio

liquidity

Value: 54.36%

Peer Median: 77.95%

#321 of 2643 Top 12.1% in $100M-$1B

489

Return on Assets

profitability

Value: 1.84%

Peer Median: 1.32%

#489 of 2643 Top 18.5% in $100M-$1B

524

Non-Interest Income / Assets

revenue_mix

Value: 0.35%

Peer Median: 0.57%

#524 of 2643 Top 19.8% in $100M-$1B

Top Weaknesses (5 metrics)

2461

Total Loans

size

Value: $68.55M

Peer Median: $258.35M

#2461 of 2643 Bottom 6.9% in $100M-$1B

2346

Delinquency Rate

credit_quality

Value: 2.21%

Peer Median: 0.92%

#2346 of 2633 Bottom 10.9% in $100M-$1B

2308

Total Assets

size

Value: $145.50M

Peer Median: $386.57M

#2308 of 2643 Bottom 12.7% in $100M-$1B

2274

Total Deposits

size

Value: $126.11M

Peer Median: $326.73M

#2274 of 2643 Bottom 14.0% in $100M-$1B

2133

Nonperforming Asset Ratio

credit_quality

Value: 1.04%

Peer Median: 0.67%

#2133 of 2643 Bottom 19.3% in $100M-$1B