BlastPoint's Banking Scorecard

Heritage Bank of St Tammany

$100M-$1B Specialty: Commercial LA FDIC cert 29577

Covington, LA

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

Heritage Bank of St Tammany faces 6 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 0.2% in tier
- Liquidity Strain: Bottom 6.4% in tier
- Efficiency Drag: Bottom 12.3% in tier
- Return on Assets 8.18% below tier average
- Net Interest Margin 0.68% below tier average
- Delinquency Rate 0.13% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Total Assets ?	$167.9M -8.5% YoY -6.2% QoQ	-$218.1M	$386.1M +0.5% YoY	$784.8M +7.0% YoY	$6.2B +9.1% YoY	19%
Total Loans ?	$140.8M -3.0% YoY -2.6% QoQ	-$114.9M	$255.7M +1.1% YoY	$523.7M +4.0% YoY	$3.2B +10.8% YoY	33%
Total Deposits ?	$149.8M -2.4% YoY +0.6% QoQ	-$178.2M	$328.0M +0.1% YoY	$671.5M +6.9% YoY	$4.8B +8.2% YoY	22%
Return on Assets ?	-6.91%	-8.18%	1.27% +12.9% YoY	1.24% +12.4% YoY	1.23% +13.4% YoY	Bottom 0.2% in tier
Net Interest Margin ?	3.25% +20.7% YoY +8.5% QoQ	-0.68%	3.93% +6.0% YoY	4.12% +1.2% YoY	3.89% +5.7% YoY	20%
Efficiency Ratio ?	304.78% +290.5% YoY +252.5% QoQ	+239.50%	65.29% -4.5% YoY	70.37% -1.0% YoY	66.95% -4.1% YoY	Bottom 0.1% in tier
Delinquency Rate ?	1.02% +115.2% YoY +55.8% QoQ	+0.13%	0.89% +18.8% YoY	1.51% +4.5% YoY	0.95% +18.8% YoY	28%
Loan-to-Deposit Ratio ?	93.99% -0.6% YoY -3.2% QoQ	+17.36%	76.64% +0.8% YoY	75.16% -1.5% YoY	76.70% +0.9% YoY	17%
Non-Interest-Bearing Deposit Share ?	13.82% +24.9% YoY +20.9% QoQ	-8.20%	22.02% -1.0% YoY	24.55% -1.4% YoY	22.01% -1.2% YoY	20%
Nonperforming Asset Ratio ?	0.86% +128.0% YoY +61.9% QoQ	+0.22%	0.64% +19.7% YoY	1.07% +4.2% YoY	0.67% +19.3% YoY	24%
Tier 1 Capital Ratio ?	9.65% -8.9% YoY -12.5% QoQ	-6.18%	15.83% +1.5% YoY	16.56% +0.4% YoY	17.06% +0.8% YoY	Bottom 6.0% in tier
Non-Interest Income / Assets ?	0.09% -29.7% YoY -83.0% QoQ	-0.19%	0.28% +9.3% YoY	0.11% -17.3% YoY	0.32% +4.1% YoY	48%

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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 (0)

No matched strength signatures this quarter

Concerns (3)

Capital Thin

risk

#2 of 666 • Bottom 0.2% 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: 9.65%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Liquidity Strain

risk

#42 of 643 • Bottom 6.4% 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: 93.99%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

Efficiency Drag

risk

#52 of 414 • Bottom 12.3% in tier

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

Why this signature

Efficiency Ratio: 304.78%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable | 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 (0 metrics)

No strength rankings available

Top Weaknesses (9 metrics)

2662

Efficiency Ratio

profitability

Value: 304.78%

Peer Median: 65.29%

#2662 of 2664 Bottom 0.1% in $100M-$1B

2661

Return on Assets

profitability

Value: -6.91%

Peer Median: 1.27%

#2661 of 2664 Bottom 0.2% in $100M-$1B

2505

Tier 1 Capital Ratio

capital

Value: 9.65%

Peer Median: 15.83%

#2505 of 2664 Bottom 6.0% in $100M-$1B

2225

Loan-to-Deposit Ratio

liquidity

Value: 93.99%

Peer Median: 76.64%

#2225 of 2664 Bottom 16.5% in $100M-$1B

2159

Total Assets

size

Value: $167.95M

Peer Median: $386.08M

#2159 of 2664 Bottom 19.0% in $100M-$1B

2141

Net Interest Margin

profitability

Value: 3.25%

Peer Median: 3.93%

#2141 of 2664 Bottom 19.7% in $100M-$1B

2135

Non-Interest-Bearing Deposit Share

funding

Value: 13.82%

Peer Median: 22.02%

#2135 of 2664 Bottom 19.9% in $100M-$1B

2091

Total Deposits

size

Value: $149.78M

Peer Median: $327.97M

#2091 of 2664 Bottom 21.5% in $100M-$1B

2033

Nonperforming Asset Ratio

credit_quality

Value: 0.86%

Peer Median: 0.64%

#2033 of 2664 Bottom 23.7% in $100M-$1B