BlastPoint's Banking Scorecard
Abbeville Building & Loan (A State-Chartered Savings Bank)
Designations: ✓ Community bank ✓ Mutual
Abbeville, LA
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 536 banks in the under $100M peer group nationwide — 1 of 11 in LA.
- Deposits +2.3% year over year ($47.0M on the books).
- Delinquency rate 1.32%.
- Return on assets 0.42%.
- Efficiency ratio 87.62% vs a 119.40% peer average.
- Loan-to-deposit ratio 99.69% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Abbeville Building & Loan (A State-Chartered Savings Bank) has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.48% below tier average
- + Efficiency Ratio 31.77% below tier average
- + Delinquency Rate 0.16% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 25.48% above tier average
- - ROA 0.58% below tier average
- - Net Interest Margin 0.25% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$67.9M
+2.1% YoY
+2.5% QoQ
|
+$5.5M |
$62.4M
-0.0% YoY
|
$799.3M
+7.8% YoY
|
$6.3B
+7.7% YoY
|
54% |
| Total Loans ? |
$46.8M
+6.0% YoY
+4.9% QoQ
|
+$11.9M |
$34.9M
-0.6% YoY
|
$538.5M
+5.3% YoY
|
$3.2B
+9.4% YoY
|
72% |
| Total Deposits ? |
$47.0M
+2.3% YoY
+3.5% QoQ
|
-$4.6M |
$51.6M
-0.2% YoY
|
$677.9M
+7.3% YoY
|
$4.9B
+7.3% YoY
|
39% |
| Return on Assets ? |
0.42%
+415.9% YoY
+65.2% QoQ
|
-0.58% |
1.00%
+3.5% YoY
|
1.37%
+23.6% YoY
|
1.30%
+12.1% YoY
|
24% |
| Net Interest Margin ? |
3.66%
+7.0% YoY
+0.4% QoQ
|
-0.25% |
3.91%
+2.3% YoY
|
4.15%
+0.0% YoY
|
3.95%
+4.9% YoY
|
36% |
| Efficiency Ratio ? |
87.62%
-16.2% YoY
-4.5% QoQ
|
-31.77% |
119.40%
+49.6% YoY
|
69.40%
-0.9% YoY
|
70.05%
+2.5% YoY
|
21% |
| Delinquency Rate ? |
1.32%
-41.6% YoY
-48.0% QoQ
|
-0.16% |
1.48%
+31.8% YoY
|
1.53%
+7.9% YoY
|
0.98%
+16.3% YoY
|
30% |
| Loan-to-Deposit Ratio ? |
99.69%
+3.6% YoY
+1.3% QoQ
|
+25.48% |
74.21%
+12.6% YoY
|
77.15%
-1.0% YoY
|
79.03%
+2.3% YoY
|
Bottom 9.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
10.41%
+14.7% YoY
+4.6% QoQ
|
-13.08% |
23.49%
+0.6% YoY
|
24.65%
+0.5% YoY
|
21.98%
-0.6% YoY
|
15% |
| Nonperforming Asset Ratio ? |
0.91%
-39.4% YoY
-46.7% QoQ
|
+0.07% |
0.84%
+23.0% YoY
|
1.11%
+4.1% YoY
|
0.69%
+15.8% YoY
|
26% |
| Tier 1 Capital Ratio ? |
39.68%
-0.4% YoY
+1.3% QoQ
|
+12.56% |
27.13%
+3.0% YoY
|
17.35%
+5.4% YoY
|
17.09%
+0.8% YoY
|
Top 11.6% in tier |
| Non-Interest Income / Assets ? |
0.90%
+21.7% YoY
+97.4% QoQ
|
-0.48% |
1.38%
+6.3% YoY
|
0.33%
+19.6% YoY
|
0.66%
+5.2% YoY
|
Top 5.4% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
10.4%
+1.3pp YoY +0.5pp QoQ |
-14.2pp | 24.6% | 24.6% | 22.2% | 11% |
| Brokered Deposits | n/a | n/a | 9.8% | 6.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I | n/a | n/a | 13.4% | 12.6% | 12.5% | n/a |
| CRE | n/a | n/a | 25.2% | 44.9% | 41.4% | n/a |
| 1-4 Family |
64.9%
-4.4pp YoY -3.0pp QoQ |
+29.9pp | 35.0% | 34.2% | 31.3% | 84% |
| Consumer |
0.2%
-0.1pp YoY 0.0pp QoQ |
-7.5pp | 7.7% | 4.2% | 5.0% | 3% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
39.7%
-0.2pp YoY +0.5pp QoQ |
+1.0pp | 38.7% | 22.5% | 19.7% | 79% |
| Leverage Ratio |
29.4%
-0.5pp YoY -0.4pp QoQ |
+11.7pp | 17.7% | 13.4% | 12.6% | 93% |
| Total Capital Ratio |
40.5%
-0.3pp YoY +0.5pp QoQ |
+0.8pp | 39.7% | 23.6% | 20.8% | 79% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
16
-2 (-11.1%) YoY +1 (+6.7%) QoQ |
+4 | 12 | 114 | 482 | 77% |
| Assets per Employee ($) |
$4.2M
+14.8% YoY -3.9% QoQ |
-$1.9M | $6.2M | $6.8M | $8.8M | 25% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 9 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
1.3%
-0.9pp YoY -1.2pp QoQ |
+0.4pp | 1.0% | 0.4% | 0.4% | 80% |
| Nonaccrual | n/a | n/a | 1.7% | 1.4% | 1.0% | n/a |
| Allowance Coverage |
0.64x
+50.2% YoY +80.9% QoQ |
-5.77x | 6.41x | 27.36x | 20.23x | 31% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
1.4%
+1.9pp YoY +0.6pp QoQ |
-5.0pp | 6.4% | 12.5% | 11.6% | 17% |
| Cost of Funds (YTD) |
1.8%
-0.4pp YoY 0.0pp QoQ |
+0.4pp | 1.4% | 1.7% | 1.7% | 75% |
| Net Income ($, YTD) |
$140,000
+425.6% YoY — QoQ |
-$178K | $317,817 | $5.1M | $40.4M | 28% |
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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.