BlastPoint's Banking Scorecard
South Lafourche Bank & Trust Company
Designations: ✓ CDFI-certified
Larose, LA
4 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 +4.6% year over year ($147.8M on the books).
- Delinquency rate 7.08%.
- Return on assets 0.69%.
- Efficiency ratio 81.94% vs a 64.48% peer average.
- Loan-to-deposit ratio 95.45% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
South Lafourche Bank & Trust Company faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 6.16% above tier average
- - Nonperforming Asset Ratio 4.99% above tier average
- - ROA 0.63% below tier average
- - Net Interest Margin 0.13% below tier average
- - Efficiency Ratio 17.47% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$177.5M
+8.2% YoY
+0.1% QoQ
|
-$209.0M |
$386.6M
+1.2% YoY
|
$799.3M
+7.8% YoY
|
$6.3B
+7.7% YoY
|
21% |
| Total Loans ? |
$141.1M
+17.1% YoY
+1.8% QoQ
|
-$117.2M |
$258.3M
+1.7% YoY
|
$538.5M
+5.3% YoY
|
$3.2B
+9.4% YoY
|
32% |
| Total Deposits ? |
$147.8M
+4.6% YoY
+0.3% QoQ
|
-$178.9M |
$326.7M
+0.7% YoY
|
$677.9M
+7.3% YoY
|
$4.9B
+7.3% YoY
|
21% |
| Return on Assets ? |
0.69%
+76.1% YoY
-24.3% QoQ
|
-0.63% |
1.32%
+10.8% YoY
|
1.37%
+23.6% YoY
|
1.30%
+12.1% YoY
|
19% |
| Net Interest Margin ? |
3.85%
+4.0% YoY
-3.4% QoQ
|
-0.13% |
3.99%
+5.0% YoY
|
4.15%
+0.0% YoY
|
3.95%
+4.9% YoY
|
45% |
| Efficiency Ratio ? |
81.94%
-8.6% YoY
+6.1% QoQ
|
+17.47% |
64.48%
-3.2% YoY
|
69.40%
-0.9% YoY
|
70.05%
+2.5% YoY
|
Bottom 11.9% in tier |
| Delinquency Rate ? |
7.08%
+239.9% YoY
+38.2% QoQ
|
+6.16% |
0.92%
+15.7% YoY
|
1.53%
+7.9% YoY
|
0.98%
+16.3% YoY
|
Bottom 0.8% in tier |
| Loan-to-Deposit Ratio ? |
95.45%
+12.0% YoY
+1.6% QoQ
|
+17.50% |
77.95%
+1.0% YoY
|
77.15%
-1.0% YoY
|
79.03%
+2.3% YoY
|
16% |
| Non-Interest-Bearing Deposit Share ? |
23.29%
-3.7% YoY
-11.3% QoQ
|
+1.26% |
22.03%
-0.6% YoY
|
24.65%
+0.5% YoY
|
21.98%
-0.6% YoY
|
60% |
| Nonperforming Asset Ratio ? |
5.66%
+267.7% YoY
+40.4% QoQ
|
+4.99% |
0.67%
+16.4% YoY
|
1.11%
+4.1% YoY
|
0.69%
+15.8% YoY
|
Bottom 0.7% in tier |
| Tier 1 Capital Ratio ? |
11.73%
-5.8% YoY
-2.9% QoQ
|
-4.18% |
15.91%
+1.4% YoY
|
17.35%
+5.4% YoY
|
17.09%
+0.8% YoY
|
32% |
| Non-Interest Income / Assets ? |
0.18%
+28.4% YoY
+94.2% 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 |
23.3%
-0.9pp YoY -3.0pp QoQ |
+1.1pp | 22.1% | 24.6% | 22.2% | 60% |
| 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 |
20.5%
-3.5pp YoY -3.5pp QoQ |
+8.9pp | 11.6% | 12.6% | 12.5% | 89% |
| CRE |
41.9%
+6.5pp YoY +2.9pp QoQ |
+2.4pp | 39.5% | 44.9% | 41.4% | 57% |
| 1-4 Family |
34.4%
-2.6pp YoY +0.7pp QoQ |
+1.8pp | 32.6% | 34.2% | 31.3% | 60% |
| Consumer |
4.8%
-1.0pp YoY 0.0pp QoQ |
+0.7pp | 4.1% | 4.2% | 5.0% | 76% |
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%
-0.7pp YoY -0.3pp QoQ |
-0.4pp | 12.2% | 13.4% | 12.6% | 62% |
| 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 |
43
+1 (+2.4%) YoY 0 QoQ |
-16 | 58 | 114 | 482 | 45% |
| Assets per Employee ($) |
$4.1M
+5.6% YoY +0.1% QoQ |
-$3.4M | $7.5M | $6.8M | $8.8M | 6% |
| Branch Count |
4
0 YoY +1 (+33.3%) QoQ |
-1 | 4 | 9 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
7.1%
+5.0pp YoY +2.0pp QoQ |
+6.1pp | 0.9% | 1.4% | 1.0% | 99% |
| Allowance Coverage |
0.26x
-77.8% YoY -22.3% QoQ |
-23.89x | 24.15x | 27.36x | 20.23x | 2% |
| Net Charge-off Rate (YTD) |
0.0%
-0.6pp YoY -0.6pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 56% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
6.1%
+2.5pp YoY -1.9pp QoQ |
-6.1pp | 12.2% | 12.5% | 11.6% | 17% |
| Cost of Funds (YTD) |
1.8%
-0.1pp YoY 0.0pp QoQ |
+0.1pp | 1.7% | 1.7% | 1.7% | 55% |
| Net Income ($, YTD) |
$607,000
+81.7% YoY — QoQ |
-$1.9M | $2.6M | $5.1M | $40.4M | 13% |
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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.