BlastPoint's Banking Scorecard
American Bank & Trust Company
Opelousas, LA
9 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 +6.5% year over year ($221.7M on the books).
- Delinquency rate 0.47%.
- Return on assets 1.83%.
- Efficiency ratio 57.67% vs a 64.48% peer average.
- Loan-to-deposit ratio 86.25% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
American Bank & Trust Company shows strong momentum with 5 strengths and 7.4% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 17.45% above tier average
- + ROA 0.51% above tier average
- + Net Interest Margin 0.31% above tier average
- + Efficiency Ratio 6.81% below tier average
- + Delinquency Rate 0.45% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$267.0M
+7.4% YoY
+3.4% QoQ
|
-$119.5M |
$386.6M
+1.2% YoY
|
$799.3M
+7.8% YoY
|
$6.3B
+7.7% YoY
|
40% |
| Total Loans ? |
$191.2M
+8.2% YoY
+0.9% QoQ
|
-$67.1M |
$258.3M
+1.7% YoY
|
$538.5M
+5.3% YoY
|
$3.2B
+9.4% YoY
|
46% |
| Total Deposits ? |
$221.7M
+6.5% YoY
-0.5% QoQ
|
-$105.0M |
$326.7M
+0.7% YoY
|
$677.9M
+7.3% YoY
|
$4.9B
+7.3% YoY
|
39% |
| Return on Assets ? |
1.83%
+8.1% YoY
+1.7% QoQ
|
+0.51% |
1.32%
+10.8% YoY
|
1.37%
+23.6% YoY
|
1.30%
+12.1% YoY
|
81% |
| Net Interest Margin ? |
4.30%
+4.1% YoY
+1.3% QoQ
|
+0.31% |
3.99%
+5.0% YoY
|
4.15%
+0.0% YoY
|
3.95%
+4.9% YoY
|
71% |
| Efficiency Ratio ? |
57.67%
-1.9% YoY
+0.1% QoQ
|
-6.81% |
64.48%
-3.2% YoY
|
69.40%
-0.9% YoY
|
70.05%
+2.5% YoY
|
64% |
| Delinquency Rate ? |
0.47%
+100.8% QoQ
|
-0.45% |
0.92%
+15.7% YoY
|
1.53%
+7.9% YoY
|
0.98%
+16.3% YoY
|
47% |
| Loan-to-Deposit Ratio ? |
86.25%
+1.6% YoY
+1.5% QoQ
|
+8.30% |
77.95%
+1.0% YoY
|
77.15%
-1.0% YoY
|
79.03%
+2.3% YoY
|
35% |
| Non-Interest-Bearing Deposit Share ? |
39.48%
-0.2% YoY
+0.8% QoQ
|
+17.45% |
22.03%
-0.6% YoY
|
24.65%
+0.5% YoY
|
21.98%
-0.6% YoY
|
Top 5.1% in tier |
| Nonperforming Asset Ratio ? |
0.34%
+856.7% YoY
+95.9% QoQ
|
-0.33% |
0.67%
+16.4% YoY
|
1.11%
+4.1% YoY
|
0.69%
+15.8% YoY
|
49% |
| Tier 1 Capital Ratio ? |
11.71%
-0.5% YoY
+0.5% QoQ
|
-4.20% |
15.91%
+1.4% YoY
|
17.35%
+5.4% YoY
|
17.09%
+0.8% YoY
|
32% |
| Non-Interest Income / Assets ? |
0.18%
-6.5% YoY
+105.6% QoQ
|
-0.39% |
0.57%
+7.6% YoY
|
0.33%
+19.6% YoY
|
0.66%
+5.2% YoY
|
43% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
39.5%
-0.1pp YoY +0.3pp QoQ |
+17.3pp | 22.1% | 24.6% | 22.2% | 95% |
| 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 |
7.6%
-0.8pp YoY -0.3pp QoQ |
-4.0pp | 11.6% | 12.6% | 12.5% | 37% |
| CRE |
38.4%
-0.4pp YoY -0.8pp QoQ |
-1.2pp | 39.5% | 44.9% | 41.4% | 49% |
| 1-4 Family |
51.2%
+1.2pp YoY +1.1pp QoQ |
+18.5pp | 32.6% | 34.2% | 31.3% | 83% |
| Consumer |
3.0%
-0.1pp YoY 0.0pp QoQ |
-1.1pp | 4.1% | 4.2% | 5.0% | 60% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 22.5% | 19.7% | n/a |
| Leverage Ratio |
11.7%
-0.1pp YoY +0.1pp QoQ |
-0.5pp | 12.2% | 13.4% | 12.6% | 61% |
| Total Capital Ratio | n/a | n/a | 19.9% | 23.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
51
-4 (-7.3%) YoY -1 (-1.9%) QoQ |
-8 | 58 | 114 | 482 | 54% |
| Assets per Employee ($) |
$5.2M
+15.8% YoY +5.5% QoQ |
-$2.3M | $7.5M | $6.8M | $8.8M | 18% |
| Branch Count |
9
0 YoY 0 QoQ |
+4 | 4 | 9 | 18 | 86% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.3%
+0.2pp YoY +0.1pp QoQ |
-0.1pp | 0.3% | 0.4% | 0.4% | 72% |
| Nonaccrual |
0.2%
+0.2pp QoQ |
-0.7pp | 0.9% | 1.4% | 1.0% | 31% |
| Allowance Coverage |
2.02x
-98.7% YoY -49.0% QoQ |
-22.13x | 24.15x | 27.36x | 20.23x | 48% |
| Net Charge-off Rate (YTD) |
0.0%
+0.1pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 39% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
18.6%
+0.1pp YoY +0.1pp QoQ |
+6.4pp | 12.2% | 12.5% | 11.6% | 84% |
| Cost of Funds (YTD) |
1.1%
0.0pp YoY 0.0pp QoQ |
-0.6pp | 1.7% | 1.7% | 1.7% | 14% |
| Net Income ($, YTD) |
$2.4M
+14.3% YoY — QoQ |
-$120K | $2.6M | $5.1M | $40.4M | 60% |
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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
See how this bank ranks across all tracked metrics compared to peers.