BlastPoint's Banking Scorecard
First National Bank USA
Designations: ✓ CDFI-certified
Boutte, LA
2 branches across LA
First National Bank USA shows strong momentum with 4 strengths and 9.2% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 18.8% in tier
- + Net Interest Margin 0.92% above tier average
- + ROA 0.50% above tier average
- + Efficiency Ratio 11.50% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$239.9M
+9.2% YoY
+6.4% QoQ
|
-$146.2M |
$386.1M
+0.5% YoY
|
$784.8M
+7.0% YoY
|
$6.2B
+9.1% YoY
|
35% |
| Total Loans ? |
$113.1M
+7.9% YoY
+3.4% QoQ
|
-$142.6M |
$255.7M
+1.1% YoY
|
$523.7M
+4.0% YoY
|
$3.2B
+10.8% YoY
|
24% |
| Total Deposits ? |
$205.1M
+9.0% YoY
+7.2% QoQ
|
-$122.8M |
$328.0M
+0.1% YoY
|
$671.5M
+6.9% YoY
|
$4.8B
+8.2% YoY
|
36% |
| Return on Assets ? |
1.77%
-7.6% YoY
-8.3% QoQ
|
+0.50% |
1.27%
+12.9% YoY
|
1.24%
+12.4% YoY
|
1.23%
+13.4% YoY
|
80% |
| Net Interest Margin ? |
4.85%
-3.8% YoY
-3.3% QoQ
|
+0.92% |
3.93%
+6.0% YoY
|
4.12%
+1.2% YoY
|
3.89%
+5.7% YoY
|
Top 9.6% in tier |
| Efficiency Ratio ? |
53.79%
+3.7% YoY
+3.3% QoQ
|
-11.50% |
65.29%
-4.5% YoY
|
70.37%
-1.0% YoY
|
66.95%
-4.1% YoY
|
77% |
| Delinquency Rate ? |
0.03%
-9.9% YoY
-6.0% QoQ
|
-0.86% |
0.89%
+18.8% YoY
|
1.51%
+4.5% YoY
|
0.95%
+18.8% YoY
|
83% |
| Loan-to-Deposit Ratio ? |
55.14%
-1.0% YoY
-3.6% QoQ
|
-21.50% |
76.64%
+0.8% YoY
|
75.16%
-1.5% YoY
|
76.70%
+0.9% YoY
|
Top 13.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
22.97%
-15.5% YoY
-10.1% QoQ
|
+0.95% |
22.02%
-1.0% YoY
|
24.55%
-1.4% YoY
|
22.01%
-1.2% YoY
|
59% |
| Nonperforming Asset Ratio ? |
0.01%
-11.1% YoY
-8.7% QoQ
|
-0.62% |
0.64%
+19.7% YoY
|
1.07%
+4.2% YoY
|
0.67%
+19.3% YoY
|
85% |
| Tier 1 Capital Ratio ? |
13.92%
+5.2% YoY
-5.1% QoQ
|
-1.91% |
15.83%
+1.5% YoY
|
16.56%
+0.4% YoY
|
17.06%
+0.8% YoY
|
56% |
| Non-Interest Income / Assets ? |
0.06%
-14.6% YoY
-75.3% QoQ
|
-0.22% |
0.28%
+9.3% YoY
|
0.11%
-17.3% YoY
|
0.32%
+4.1% YoY
|
28% |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.