BlastPoint's Banking Scorecard

Anthem Bank & Trust

$100M-$1B Specialty: Commercial LA FDIC cert 29679

Plaquemine, LA

4 branches across LA · FL · TX

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

Anthem Bank & Trust has 1 strength 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

+ Net Interest Margin 0.19% above tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 4.8% in tier
- Flatlined Growth: Bottom 9.0% in tier
- Credit Risk Growth: Bottom 44.3% in tier
- ROA 0.59% below 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 ?	$199.1M -1.2% YoY -1.8% QoQ	-$187.0M	$386.1M +0.5% YoY	$784.8M +7.0% YoY	$6.2B +9.1% YoY	26%
Total Loans ?	$119.9M +1.1% YoY -3.0% QoQ	-$135.8M	$255.7M +1.1% YoY	$523.7M +4.0% YoY	$3.2B +10.8% YoY	26%
Total Deposits ?	$164.9M -5.8% YoY -3.8% QoQ	-$163.1M	$328.0M +0.1% YoY	$671.5M +6.9% YoY	$4.8B +8.2% YoY	25%
Return on Assets ?	0.67% -40.7% YoY -41.8% QoQ	-0.59%	1.27% +12.9% YoY	1.24% +12.4% YoY	1.23% +13.4% YoY	20%
Net Interest Margin ?	4.12% -0.4% YoY +0.6% QoQ	+0.19%	3.93% +6.0% YoY	4.12% +1.2% YoY	3.89% +5.7% YoY	64%
Efficiency Ratio ?	85.00% +12.6% YoY +12.8% QoQ	+19.71%	65.29% -4.5% YoY	70.37% -1.0% YoY	66.95% -4.1% YoY	Bottom 10.2% in tier
Delinquency Rate ?	1.41% +161.8% YoY -22.0% QoQ	+0.53%	0.89% +18.8% YoY	1.51% +4.5% YoY	0.95% +18.8% YoY	20%
Loan-to-Deposit Ratio ?	72.74% +7.3% YoY +0.8% QoQ	-3.89%	76.64% +0.8% YoY	75.16% -1.5% YoY	76.70% +0.9% YoY	62%
Non-Interest-Bearing Deposit Share ?	13.79% +36.8% YoY +15.6% QoQ	-8.23%	22.02% -1.0% YoY	24.55% -1.4% YoY	22.01% -1.2% YoY	20%
Nonperforming Asset Ratio ?	1.16% +85.9% YoY -17.6% QoQ	+0.53%	0.64% +19.7% YoY	1.07% +4.2% YoY	0.67% +19.3% YoY	16%
Tier 1 Capital Ratio ?	17.40% +0.8% YoY +2.9% QoQ	+1.57%	15.83% +1.5% YoY	16.56% +0.4% YoY	17.06% +0.8% YoY	79%
Non-Interest Income / Assets ?	0.15% -15.9% YoY -81.0% QoQ	-0.13%	0.28% +9.3% YoY	0.11% -17.3% YoY	0.32% +4.1% YoY	74%

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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)

Efficiency Drag

risk

#21 of 414 • Bottom 4.8% in tier

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

Why this signature

Efficiency Ratio: 85.00%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable

Flatlined Growth

risk

#47 of 512 • Bottom 9.0% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.67%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 banks QoQ

Credit Risk Growth

risk

#432 of 973 • Bottom 44.3% 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

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 (1 metrics)

567

Tier 1 Capital Ratio

capital

Value: 17.40%

Peer Median: 15.83%

#567 of 2664 Top 21.2% in $100M-$1B

Top Weaknesses (6 metrics)

2394

Efficiency Ratio

profitability

Value: 85.00%

Peer Median: 65.29%

#2394 of 2664 Bottom 10.2% in $100M-$1B

2229

Nonperforming Asset Ratio

credit_quality

Value: 1.16%

Peer Median: 0.64%

#2229 of 2664 Bottom 16.4% in $100M-$1B

2136

Non-Interest-Bearing Deposit Share

funding

Value: 13.79%

Peer Median: 22.02%

#2136 of 2664 Bottom 19.9% in $100M-$1B

2127

Delinquency Rate

credit_quality

Value: 1.41%

Peer Median: 0.89%

#2127 of 2654 Bottom 19.9% in $100M-$1B

2133

Return on Assets

profitability

Value: 0.67%

Peer Median: 1.27%

#2133 of 2664 Bottom 20.0% in $100M-$1B

2001

Total Deposits

size

Value: $164.86M

Peer Median: $327.97M

#2001 of 2664 Bottom 24.9% in $100M-$1B