BlastPoint

BlastPoint's Banking Scorecard

First National Banker's Bank

$1B-$10B Specialty: Commercial LA FDIC cert 25247

Baton Rouge, LA

5 branches across AL · AR · FL · LA · MS

884 banks in the $1B-$10B peer group nationally 19 in LA
View $1B-$10B leaderboard (LA) →

First National Banker's Bank has 2 strengths 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

  • + Revenue Diversifier: Top 34.4% in tier
  • + Non-Interest-Bearing Deposit Share 77.18% above tier average

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 9.5% in tier
  • - Liquidity Strain: Bottom 12.9% in tier
  • - Margin Compression: Bottom 39.3% in tier
  • - Net Interest Margin 0.72% below tier average
Get updates when First National Banker's 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 ? $1.2B
+15.9% YoY +8.8% QoQ
-$1.7B $2.8B
-0.1% YoY
$784.8M
+7.0% YoY
$6.2B
+9.1% YoY
Bottom 13.6% in tier
Total Loans ? $530.0M
-7.9% YoY -0.1% QoQ
-$1.4B $2.0B
+0.6% YoY
$523.7M
+4.0% YoY
$3.2B
+10.8% YoY
Bottom 3.5% in tier
Total Deposits ? $390.6M
+5.2% YoY -13.5% QoQ
-$2.0B $2.3B
-0.3% YoY
$671.5M
+6.9% YoY
$4.8B
+8.2% YoY
Bottom 0.2% in tier
Return on Assets ? 0.77%
-21.0% YoY -13.6% QoQ
-0.59% 1.37%
+19.6% YoY
1.24%
+12.4% YoY
1.23%
+13.4% YoY
20%
Net Interest Margin ? 3.10%
-14.1% YoY -14.3% QoQ
-0.72% 3.82%
+6.9% YoY
4.12%
+1.2% YoY
3.89%
+5.7% YoY
21%
Efficiency Ratio ? 81.79%
+3.7% YoY +0.1% QoQ
+20.73% 61.06%
-4.6% YoY
70.37%
-1.0% YoY
66.95%
-4.1% YoY
Bottom 6.9% in tier
Delinquency Rate ? 0.86%
-41.1% YoY -1.5% QoQ
-0.03% 0.89%
+14.1% YoY
1.51%
+4.5% YoY
0.95%
+18.8% YoY
32%
Loan-to-Deposit Ratio ? 135.69%
-12.4% YoY +15.4% QoQ
+51.48% 84.20%
+0.3% YoY
75.16%
-1.5% YoY
76.70%
+0.9% YoY
Bottom 0.9% in tier
Non-Interest-Bearing Deposit Share ? 98.47%
-0.3% YoY -0.2% QoQ
+77.18% 21.29%
-2.5% YoY
24.55%
-1.4% YoY
22.01%
-1.2% YoY
Top 0.1% in tier
Nonperforming Asset Ratio ? 0.39%
-53.2% YoY -9.5% QoQ
-0.28% 0.67%
+15.6% YoY
1.07%
+4.2% YoY
0.67%
+19.3% YoY
54%
Tier 1 Capital Ratio ? 15.96%
-5.0% YoY +0.8% QoQ
+0.80% 15.16%
+2.0% YoY
16.56%
+0.4% YoY
17.06%
+0.8% YoY
80%
Non-Interest Income / Assets ? 0.68%
-1.4% YoY -73.9% QoQ
+0.43% 0.26%
+1.6% YoY
0.11%
-17.3% YoY
0.32%
+4.1% YoY
Top 4.8% in tier

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)

Revenue Diversifier

growth
#77 of 221 • Top 34.4% 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: 0.68%
(Tier: 0.26%, National: 0.32%)
better than tier avg
Return on Assets: 0.77%
(Tier: 1.37%, National: 1.23%)
but worse than tier avg
221 of 221 Mid-Market banks match · 926 nationally
→ Stable +3 banks QoQ | QoQ rank declining

Concerns (3)

Efficiency Drag

risk
#8 of 74 • Bottom 9.5% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature
Efficiency Ratio: 81.79%
(Tier: 61.06%, National: 66.95%)
worse than tier avg
74 of 74 Mid-Market banks match · 492 nationally
→ Stable | QoQ rank improving

Liquidity Strain

risk
#44 of 334 • Bottom 12.9% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 135.69%
(Tier: 84.20%, National: 76.70%)
worse than tier avg
334 of 334 Mid-Market banks match · 1013 nationally
→ Stable -50 banks QoQ | QoQ rank improving

Margin Compression

decline
#34 of 84 • Bottom 39.3% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 0.77%
(Tier: 1.37%, National: 1.23%)
worse than tier avg
84 of 84 Mid-Market banks match · 407 nationally
↑ Growing +94 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 884 peers in $1B-$10B

Top Strengths (3 metrics)

2
Non-Interest-Bearing Deposit Share
funding
Value: 98.47%
Peer Median: 21.29%
#2 of 884 Top 0.1% in $1B-$10B
43
Non-Interest Income / Assets
revenue_mix
Value: 0.68%
Peer Median: 0.26%
#43 of 884 Top 4.8% in $1B-$10B
177
Tier 1 Capital Ratio
capital
Value: 15.96%
Peer Median: 15.16%
#177 of 884 Top 19.9% in $1B-$10B

Top Weaknesses (7 metrics)

883
Total Deposits
size
Value: $390.63M
Peer Median: $2.34B
#883 of 884 Bottom 0.2% in $1B-$10B
877
Loan-to-Deposit Ratio
liquidity
Value: 135.69%
Peer Median: 84.20%
#877 of 884 Bottom 0.9% in $1B-$10B
854
Total Loans
size
Value: $530.03M
Peer Median: $1.96B
#854 of 884 Bottom 3.5% in $1B-$10B
824
Efficiency Ratio
profitability
Value: 81.79%
Peer Median: 61.06%
#824 of 884 Bottom 6.9% in $1B-$10B
765
Total Assets
size
Value: $1.16B
Peer Median: $2.82B
#765 of 884 Bottom 13.6% in $1B-$10B
712
Return on Assets
profitability
Value: 0.77%
Peer Median: 1.37%
#712 of 884 Bottom 19.6% in $1B-$10B
703
Net Interest Margin
profitability
Value: 3.10%
Peer Median: 3.82%
#703 of 884 Bottom 20.6% in $1B-$10B
Powered by BlastPoint © 2026