BlastPoint's Banking Scorecard
Liberty Bank and Trust Company
Designations: ✓ Community bank ✓ CDFI-certified ✓ Minority Depository Institution
New Orleans, LA
18 branches across LA · AL · GA · IL · KS · MI · MO · MS · TN · TX
Liberty Bank and Trust Company has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.26% above tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 6.0% in tier
- - Flatlined Growth: Bottom 26.0% in tier
- - Deposit Outflow: Bottom 41.5% in tier
- - Efficiency Ratio 9.59% above tier average
- - Delinquency Rate 0.24% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+0.0% YoY
+0.1% QoQ
|
-$1.7B |
$2.8B
-0.1% YoY
|
$784.8M
+7.0% YoY
|
$6.2B
+9.1% YoY
|
Bottom 10.2% in tier |
| Total Loans ? |
$618.7M
-0.4% YoY
+0.6% QoQ
|
-$1.3B |
$2.0B
+0.6% YoY
|
$523.7M
+4.0% YoY
|
$3.2B
+10.8% YoY
|
Bottom 4.9% in tier |
| Total Deposits ? |
$963.7M
-0.6% YoY
+0.7% QoQ
|
-$1.4B |
$2.3B
-0.3% YoY
|
$671.5M
+6.9% YoY
|
$4.8B
+8.2% YoY
|
Bottom 12.0% in tier |
| Return on Assets ? |
0.90%
-21.4% YoY
+4.4% QoQ
|
-0.47% |
1.37%
+19.6% YoY
|
1.24%
+12.4% YoY
|
1.23%
+13.4% YoY
|
26% |
| Net Interest Margin ? |
4.08%
+1.8% YoY
-1.6% QoQ
|
+0.26% |
3.82%
+6.9% YoY
|
4.12%
+1.2% YoY
|
3.89%
+5.7% YoY
|
75% |
| Efficiency Ratio ? |
70.66%
-4.1% YoY
-4.5% QoQ
|
+9.59% |
61.06%
-4.6% YoY
|
70.37%
-1.0% YoY
|
66.95%
-4.1% YoY
|
21% |
| Delinquency Rate ? |
1.13%
+35.1% YoY
+24.1% QoQ
|
+0.24% |
0.89%
+14.1% YoY
|
1.51%
+4.5% YoY
|
0.95%
+18.8% YoY
|
23% |
| Loan-to-Deposit Ratio ? |
64.20%
+0.2% YoY
-0.1% QoQ
|
-20.01% |
84.20%
+0.3% YoY
|
75.16%
-1.5% YoY
|
76.70%
+0.9% YoY
|
Top 11.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
23.40%
-5.7% YoY
-0.3% QoQ
|
+2.11% |
21.29%
-2.5% YoY
|
24.55%
-1.4% YoY
|
22.01%
-1.2% YoY
|
66% |
| Nonperforming Asset Ratio ? |
0.84%
+38.1% YoY
+25.8% QoQ
|
+0.17% |
0.67%
+15.6% YoY
|
1.07%
+4.2% YoY
|
0.67%
+19.3% YoY
|
25% |
| Tier 1 Capital Ratio ? |
19.23%
-0.3% YoY
+0.4% QoQ
|
+4.07% |
15.16%
+2.0% YoY
|
16.56%
+0.4% YoY
|
17.06%
+0.8% YoY
|
Top 9.0% in tier |
| Non-Interest Income / Assets ? |
0.15%
+0.7% YoY
-82.2% QoQ
|
-0.11% |
0.26%
+1.6% YoY
|
0.11%
-17.3% YoY
|
0.32%
+4.1% YoY
|
52% |
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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 (3)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.