BlastPoint's Banking Scorecard

South Louisiana Bank

$100M-$1B Specialty: Commercial LA FDIC cert 23144

Houma, LA

10 branches across LA

2664 banks in the $100M-$1B peer group nationally 74 in LA

South Louisiana Bank has 5 strengths but faces 2 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

+ Revenue Diversifier: Top 14.0% in tier
+ Deposit Franchise: Top 58.8% in tier
+ ROA 0.32% above tier average
+ Efficiency Ratio 3.14% below tier average
+ Delinquency Rate 0.39% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 7.4% in tier
- Credit Quality Pressure: Bottom 24.3% in tier

Get updates when South Louisiana Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Total Assets ?	$675.5M -3.5% YoY +2.8% QoQ	+$289.5M	$386.1M +0.5% YoY	$784.8M +7.0% YoY	$6.2B +9.1% YoY	Top 13.8% in tier
Total Loans ?	$354.5M +3.7% YoY -0.9% QoQ	+$98.8M	$255.7M +1.1% YoY	$523.7M +4.0% YoY	$3.2B +10.8% YoY	75%
Total Deposits ?	$566.3M -0.3% YoY +2.9% QoQ	+$238.4M	$328.0M +0.1% YoY	$671.5M +6.9% YoY	$4.8B +8.2% YoY	Top 15.0% in tier
Return on Assets ?	1.59% +6.9% YoY +5.4% QoQ	+0.32%	1.27% +12.9% YoY	1.24% +12.4% YoY	1.23% +13.4% YoY	72%
Net Interest Margin ?	4.61% +7.7% YoY +1.3% QoQ	+0.68%	3.93% +6.0% YoY	4.12% +1.2% YoY	3.89% +5.7% YoY	Top 15.0% in tier
Efficiency Ratio ?	62.15% +0.7% YoY -1.5% QoQ	-3.14%	65.29% -4.5% YoY	70.37% -1.0% YoY	66.95% -4.1% YoY	53%
Delinquency Rate ?	0.50% +7.9% YoY +3.9% QoQ	-0.39%	0.89% +18.8% YoY	1.51% +4.5% YoY	0.95% +18.8% YoY	45%
Loan-to-Deposit Ratio ?	62.59% +4.0% YoY -3.7% QoQ	-14.04%	76.64% +0.8% YoY	75.16% -1.5% YoY	76.70% +0.9% YoY	78%
Non-Interest-Bearing Deposit Share ?	36.24% -2.5% YoY +2.4% QoQ	+14.22%	22.02% -1.0% YoY	24.55% -1.4% YoY	22.01% -1.2% YoY	Top 8.5% in tier
Nonperforming Asset Ratio ?	0.26% -14.7% YoY +0.2% QoQ	-0.38%	0.64% +19.7% YoY	1.07% +4.2% YoY	0.67% +19.3% YoY	54%
Tier 1 Capital Ratio ?	14.66% +8.7% YoY +0.5% QoQ	-1.17%	15.83% +1.5% YoY	16.56% +0.4% YoY	17.06% +0.8% YoY	63%
Non-Interest Income / Assets ?	0.38% +11.7% YoY -74.4% QoQ	+0.10%	0.28% +9.3% YoY	0.11% -17.3% YoY	0.32% +4.1% YoY	Top 4.7% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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 (2)

Revenue Diversifier

growth

#94 of 666 • Top 14.0% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.38%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: 1.59%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Deposit Franchise

growth

#161 of 272 • Top 58.8% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 36.24%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 4.61%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank improving

Concerns (2)

Credit Risk Growth

risk

#73 of 973 • Bottom 7.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk

#319 of 1308 • Bottom 24.3% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.50%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank improving

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (7 metrics)

127

Non-Interest Income / Assets

revenue_mix

Value: 0.38%

Peer Median: 0.28%

#127 of 2664 Top 4.7% in $100M-$1B

227

Non-Interest-Bearing Deposit Share

funding

Value: 36.24%

Peer Median: 22.02%

#227 of 2664 Top 8.5% in $100M-$1B

369

Total Assets

size

Value: $675.55M

Peer Median: $386.08M

#369 of 2664 Top 13.8% in $100M-$1B

400

Total Deposits

size

Value: $566.35M

Peer Median: $327.97M

#400 of 2664 Top 15.0% in $100M-$1B

400

Net Interest Margin

profitability

Value: 4.61%

Peer Median: 3.93%

#400 of 2664 Top 15.0% in $100M-$1B

588

Loan-to-Deposit Ratio

liquidity

Value: 62.59%

Peer Median: 76.64%

#588 of 2664 Top 22.0% in $100M-$1B

666

Total Loans

size

Value: $354.50M

Peer Median: $255.72M

#666 of 2664 Top 25.0% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available