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Plaquemine Bank & Trust Company

$100M-$1B Specialty: Commercial LA FDIC cert 19800

Designations: ✓ CDFI-certified

Plaquemine, LA

2 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 -2.5% year over year ($191.5M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 0.75%.
  • Efficiency ratio 72.76% vs a 64.48% peer average.
  • Loan-to-deposit ratio 45.22% 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) →

Plaquemine Bank & Trust Company has 1 strength but faces 4 concerns

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

  • + Credit Quality Leader: Top 35.4% in tier

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 7.2% in tier
  • - ROA 0.57% below tier average
  • - Net Interest Margin 0.64% below tier average
  • - Efficiency Ratio 8.28% above tier average
Get updates when Plaquemine 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 ? $218.3M
-1.7% YoY -1.7% QoQ
-$168.3M $386.6M
+1.2% YoY
$799.3M
+7.8% YoY
$6.3B
+7.7% YoY
31%
Total Loans ? $86.6M
-7.0% YoY -5.4% QoQ
-$171.7M $258.3M
+1.7% YoY
$538.5M
+5.3% YoY
$3.2B
+9.4% YoY
Bottom 13.2% in tier
Total Deposits ? $191.5M
-2.5% YoY -2.2% QoQ
-$135.2M $326.7M
+0.7% YoY
$677.9M
+7.3% YoY
$4.9B
+7.3% YoY
32%
Return on Assets ? 0.75%
-5.5% YoY -1.7% QoQ
-0.57% 1.32%
+10.8% YoY
1.37%
+23.6% YoY
1.30%
+12.1% YoY
21%
Net Interest Margin ? 3.34%
+0.8% YoY -0.4% QoQ
-0.64% 3.99%
+5.0% YoY
4.15%
+0.0% YoY
3.95%
+4.9% YoY
21%
Efficiency Ratio ? 72.76%
+2.5% YoY +0.4% QoQ
+8.28% 64.48%
-3.2% YoY
69.40%
-0.9% YoY
70.05%
+2.5% YoY
24%
Delinquency Rate ? 0.00% -0.92% 0.92%
+15.7% YoY
1.53%
+7.9% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 45.22%
-4.6% YoY -3.3% QoQ
-32.73% 77.95%
+1.0% YoY
77.15%
-1.0% YoY
79.03%
+2.3% YoY
Top 6.1% in tier
Non-Interest-Bearing Deposit Share ? 17.31%
+8.2% YoY -3.9% QoQ
-4.72% 22.03%
-0.6% YoY
24.65%
+0.5% YoY
21.98%
-0.6% YoY
33%
Nonperforming Asset Ratio ? 0.01%
+1.7% QoQ
-0.66% 0.67%
+16.4% YoY
1.11%
+4.1% YoY
0.69%
+15.8% YoY
Top 14.6% in tier
Tier 1 Capital Ratio ? 27.91%
+17.2% YoY +7.6% QoQ
+12.00% 15.91%
+1.4% YoY
17.35%
+5.4% YoY
17.09%
+0.8% YoY
Top 4.9% in tier
Non-Interest Income / Assets ? 0.09%
-9.9% YoY +104.5% QoQ
-0.47% 0.57%
+7.6% YoY
0.33%
+19.6% YoY
0.66%
+5.2% YoY
16%

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 17.3%
+1.3pp YoY
-0.7pp QoQ
 -4.8pp 22.1% 24.6% 22.2% 33%
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 10.8%
-1.2pp YoY
0.0pp QoQ
 -0.7pp 11.6% 12.6% 12.5% 58%
CRE 62.7%
+1.9pp YoY
-2.7pp QoQ
 +23.1pp 39.5% 44.9% 41.4% 87%
1-4 Family 21.1%
+1.3pp YoY
+1.8pp QoQ
 -11.6pp 32.6% 34.2% 31.3% 32%
Consumer 5.6%
-0.7pp YoY
+0.1pp QoQ
 +1.5pp 4.1% 4.2% 5.0% 80%

Capital

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
CET1 Ratio 27.9%
+4.1pp YoY
+2.0pp QoQ
 +9.1pp 18.8% 22.5% 19.7% 92%
Leverage Ratio 12.2%
+0.8pp YoY
+0.6pp QoQ
 0.0pp 12.2% 13.4% 12.6% 66%
Total Capital Ratio 29.2%
+4.3pp YoY
+2.0pp QoQ
 +9.2pp 19.9% 23.6% 20.8% 92%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Full-Time Employees 33
+8 (+32.0%) YoY
0 QoQ
 -26 58 114 482 31%
Assets per Employee ($) $6.6M
-25.5% YoY
-1.7% QoQ
 -$904K $7.5M $6.8M $8.8M 45%
Branch Count 2
0 YoY
0 QoQ
 -3 4 9 18 11%

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 n/a n/a 0.9% 1.4% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 27.36x 20.23x n/a
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 9%

Profitability

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
ROE 6.6%
-0.8pp YoY
-0.2pp QoQ
 -5.6pp 12.2% 12.5% 11.6% 19%
Cost of Funds (YTD) 1.8%
-0.3pp YoY
0.0pp QoQ
 0.0pp 1.7% 1.7% 1.7% 54%
Net Income ($, YTD) $835,000
-3.9% YoY
— QoQ
 -$1.7M $2.6M $5.1M $40.4M 21%

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 (1)

Credit Quality Leader

growth
#234 of 659 • Top 35.4% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.00%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (1)

Flatlined Growth

risk
#39 of 529 • Bottom 7.2% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.75%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
130
Tier 1 Capital Ratio
capital
Value: 27.91%
Peer Median: 15.91%
#130 of 2643 Top 4.9% in $100M-$1B
162
Loan-to-Deposit Ratio
liquidity
Value: 45.22%
Peer Median: 77.95%
#162 of 2643 Top 6.1% in $100M-$1B
387
Nonperforming Asset Ratio
credit_quality
Value: 0.01%
Peer Median: 0.67%
#387 of 2643 Top 14.6% in $100M-$1B

Top Weaknesses (5 metrics)

2295
Total Loans
size
Value: $86.60M
Peer Median: $258.35M
#2295 of 2643 Bottom 13.2% in $100M-$1B
2221
Non-Interest Income / Assets
revenue_mix
Value: 0.09%
Peer Median: 0.57%
#2221 of 2643 Bottom 16.0% in $100M-$1B
2092
Return on Assets
profitability
Value: 0.75%
Peer Median: 1.32%
#2092 of 2643 Bottom 20.9% in $100M-$1B
2082
Net Interest Margin
profitability
Value: 3.34%
Peer Median: 3.99%
#2082 of 2643 Bottom 21.3% in $100M-$1B
2003
Efficiency Ratio
profitability
Value: 72.76%
Peer Median: 64.48%
#2003 of 2643 Bottom 24.3% in $100M-$1B
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