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Bank of St. Francisville

$100M-$1B Specialty: Commercial LA FDIC cert 22739

Designations: ✓ CDFI-certified

Saint Francisville, LA

2 branches across LA

2664 banks in the $100M-$1B peer group nationally 74 in LA
View $100M-$1B leaderboard (LA) →

Bank of St. Francisville has 4 strengths but faces 1 concern

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

  • + ROA 0.37% above tier average
  • + Net Interest Margin 0.61% above tier average
  • + Efficiency Ratio 3.25% below tier average
  • + Delinquency Rate 0.29% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 35.6% in tier
Get updates when Bank of St. Francisville releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Total Assets ? $397.9M
+3.8% YoY +5.5% QoQ
+$11.8M $386.1M
+0.5% YoY
$784.8M
+7.0% YoY
$6.2B
+9.1% YoY
61%
Total Loans ? $292.5M
+7.8% YoY +1.1% QoQ
+$36.8M $255.7M
+1.1% YoY
$523.7M
+4.0% YoY
$3.2B
+10.8% YoY
67%
Total Deposits ? $346.4M
+4.9% YoY +6.2% QoQ
+$18.4M $328.0M
+0.1% YoY
$671.5M
+6.9% YoY
$4.8B
+8.2% YoY
62%
Return on Assets ? 1.64%
+19.1% YoY +24.6% QoQ
+0.37% 1.27%
+12.9% YoY
1.24%
+12.4% YoY
1.23%
+13.4% YoY
74%
Net Interest Margin ? 4.54%
+12.4% YoY +10.0% QoQ
+0.61% 3.93%
+6.0% YoY
4.12%
+1.2% YoY
3.89%
+5.7% YoY
83%
Efficiency Ratio ? 62.04%
+2.4% YoY -5.0% QoQ
-3.25% 65.29%
-4.5% YoY
70.37%
-1.0% YoY
66.95%
-4.1% YoY
53%
Delinquency Rate ? 0.59%
-44.9% YoY -29.1% QoQ
-0.29% 0.89%
+18.8% YoY
1.51%
+4.5% YoY
0.95%
+18.8% YoY
41%
Loan-to-Deposit Ratio ? 84.45%
+2.8% YoY -4.8% QoQ
+7.81% 76.64%
+0.8% YoY
75.16%
-1.5% YoY
76.70%
+0.9% YoY
36%
Non-Interest-Bearing Deposit Share ? 28.98%
+1.5% YoY +1.2% QoQ
+6.96% 22.02%
-1.0% YoY
24.55%
-1.4% YoY
22.01%
-1.2% YoY
79%
Nonperforming Asset Ratio ? 0.48%
-37.3% YoY -30.3% QoQ
-0.16% 0.64%
+19.7% YoY
1.07%
+4.2% YoY
0.67%
+19.3% YoY
38%
Tier 1 Capital Ratio ? 10.24%
+5.8% YoY +1.0% QoQ
-5.60% 15.83%
+1.5% YoY
16.56%
+0.4% YoY
17.06%
+0.8% YoY
Bottom 12.6% in tier
Non-Interest Income / Assets ? 0.06%
-7.9% YoY -80.2% QoQ
-0.22% 0.28%
+9.3% YoY
0.11%
-17.3% YoY
0.32%
+4.1% YoY
25%

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 (0)

No matched strength signatures this quarter

Concerns (1)

Capital Thin

risk
#238 of 666 • Bottom 35.6% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.24%
(Tier: 15.83%, National: 17.06%)
worse than tier avg
666 of 666 Community banks match · 926 nationally
→ Stable +3 banks QoQ | QoQ rank declining

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 2664 peers in $100M-$1B

Top Strengths (2 metrics)

446
Net Interest Margin
profitability
Value: 4.54%
Peer Median: 3.93%
#446 of 2664 Top 16.7% in $100M-$1B
553
Non-Interest-Bearing Deposit Share
funding
Value: 28.98%
Peer Median: 22.02%
#553 of 2664 Top 20.7% in $100M-$1B

Top Weaknesses (1 metrics)

2329
Tier 1 Capital Ratio
capital
Value: 10.24%
Peer Median: 15.83%
#2329 of 2664 Bottom 12.6% in $100M-$1B
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