BlastPoint's Banking Scorecard
Abbeville Building & Loan (A State-Chartered Savings Bank)
Designations: ✓ Community bank ✓ Mutual
Abbeville, LA
Abbeville Building & Loan (A State-Chartered Savings Bank) has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.21% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 34.26% above tier average
- - ROA 0.60% below tier average
- - Net Interest Margin 0.23% below tier average
- - Efficiency Ratio 4.09% above tier average
- - Delinquency Rate 1.17% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$66.2M
+2.6% YoY
+0.3% QoQ
|
+$4.0M |
$62.3M
-0.5% YoY
|
$784.8M
+7.0% YoY
|
$6.2B
+9.0% YoY
|
52% |
| Total Loans ? |
$44.6M
+4.3% YoY
+1.8% QoQ
|
+$10.3M |
$34.3M
-1.5% YoY
|
$523.7M
+4.0% YoY
|
$3.2B
+10.7% YoY
|
69% |
| Total Deposits ? |
$45.4M
+3.7% YoY
-0.1% QoQ
|
-$6.5M |
$51.8M
-0.6% YoY
|
$671.5M
+6.9% YoY
|
$4.8B
+8.0% YoY
|
38% |
| Return on Assets ? |
0.25%
+325.3% YoY
+295.3% QoQ
|
-0.60% |
0.86%
-3.6% YoY
|
1.24%
+12.4% YoY
|
1.24%
+13.1% YoY
|
21% |
| Net Interest Margin ? |
3.64%
+4.5% YoY
+2.7% QoQ
|
-0.23% |
3.87%
+2.7% YoY
|
4.12%
+1.2% YoY
|
3.89%
+5.7% YoY
|
39% |
| Efficiency Ratio ? |
91.72%
-11.8% YoY
-7.4% QoQ
|
+4.09% |
87.63%
+2.3% YoY
|
70.37%
-1.0% YoY
|
66.84%
-3.8% YoY
|
19% |
| Delinquency Rate ? |
2.54%
+71.5% YoY
+56.4% QoQ
|
+1.17% |
1.36%
+33.7% YoY
|
1.51%
+4.5% YoY
|
0.95%
+18.8% YoY
|
16% |
| Loan-to-Deposit Ratio ? |
98.37%
+0.6% YoY
+1.9% QoQ
|
+34.26% |
64.11%
-0.9% YoY
|
75.16%
-1.5% YoY
|
76.69%
+0.9% YoY
|
Bottom 8.2% in tier |
| Non-Interest-Bearing Deposit Share ? |
9.96%
+21.9% YoY
+24.3% QoQ
|
-13.83% |
23.79%
+0.5% YoY
|
24.55%
-1.4% YoY
|
22.01%
-1.1% YoY
|
Bottom 14.5% in tier |
| Nonperforming Asset Ratio ? |
1.71%
+74.2% YoY
+58.7% QoQ
|
+0.94% |
0.77%
+28.7% YoY
|
1.07%
+4.2% YoY
|
0.66%
+19.3% YoY
|
Bottom 12.8% in tier |
| Tier 1 Capital Ratio ? |
39.16%
-6.4% YoY
-3.2% QoQ
|
+12.39% |
26.77%
+2.0% YoY
|
16.56%
+0.4% YoY
|
17.06%
+0.8% YoY
|
Top 10.8% in tier |
| Non-Interest Income / Assets ? |
0.46%
+18.6% YoY
-71.3% QoQ
|
-0.21% |
0.67%
+1.6% YoY
|
0.11%
-17.3% YoY
|
0.32%
+4.0% YoY
|
Top 5.4% in tier |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.