BlastPoint's Banking Scorecard
South Lafourche Bank & Trust Company
Designations: ✓ CDFI-certified
Larose, LA
4 branches across LA
South Lafourche Bank & Trust Company has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.06% above tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 4.24% above tier average
- - Nonperforming Asset Ratio 3.39% above tier average
- - ROA 0.36% below tier average
- - Efficiency Ratio 11.92% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$177.4M
+3.7% YoY
+2.8% QoQ
|
-$208.7M |
$386.1M
+0.5% YoY
|
$784.8M
+7.0% YoY
|
$6.2B
+9.1% YoY
|
21% |
| Total Loans ? |
$138.6M
+14.4% YoY
+4.6% QoQ
|
-$117.1M |
$255.7M
+1.1% YoY
|
$523.7M
+4.0% YoY
|
$3.2B
+10.8% YoY
|
32% |
| Total Deposits ? |
$147.4M
-0.9% YoY
+4.4% QoQ
|
-$180.5M |
$328.0M
+0.1% YoY
|
$671.5M
+6.9% YoY
|
$4.8B
+8.2% YoY
|
21% |
| Return on Assets ? |
0.91%
+221.8% YoY
-17.6% QoQ
|
-0.36% |
1.27%
+12.9% YoY
|
1.24%
+12.4% YoY
|
1.23%
+13.4% YoY
|
32% |
| Net Interest Margin ? |
3.99%
+12.3% YoY
+0.5% QoQ
|
+0.06% |
3.93%
+6.0% YoY
|
4.12%
+1.2% YoY
|
3.89%
+5.7% YoY
|
56% |
| Efficiency Ratio ? |
77.20%
-16.2% YoY
-7.5% QoQ
|
+11.92% |
65.29%
-4.5% YoY
|
70.37%
-1.0% YoY
|
66.95%
-4.1% YoY
|
19% |
| Delinquency Rate ? |
5.12%
+198.1% YoY
+249.7% QoQ
|
+4.24% |
0.89%
+18.8% YoY
|
1.51%
+4.5% YoY
|
0.95%
+18.8% YoY
|
Bottom 2.1% in tier |
| Loan-to-Deposit Ratio ? |
93.99%
+15.5% YoY
+0.1% QoQ
|
+17.35% |
76.64%
+0.8% YoY
|
75.16%
-1.5% YoY
|
76.70%
+0.9% YoY
|
17% |
| Non-Interest-Bearing Deposit Share ? |
26.26%
-2.4% YoY
+6.1% QoQ
|
+4.24% |
22.02%
-1.0% YoY
|
24.55%
-1.4% YoY
|
22.01%
-1.2% YoY
|
71% |
| Nonperforming Asset Ratio ? |
4.03%
+228.9% YoY
+246.4% QoQ
|
+3.39% |
0.64%
+19.7% YoY
|
1.07%
+4.2% YoY
|
0.67%
+19.3% YoY
|
Bottom 1.5% in tier |
| Tier 1 Capital Ratio ? |
12.07%
+1.1% YoY
-4.3% QoQ
|
-3.76% |
15.83%
+1.5% YoY
|
16.56%
+0.4% YoY
|
17.06%
+0.8% YoY
|
36% |
| Non-Interest Income / Assets ? |
0.09%
+67.7% YoY
-76.8% QoQ
|
-0.19% |
0.28%
+9.3% YoY
|
0.11%
-17.3% YoY
|
0.32%
+4.1% YoY
|
46% |
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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.