BlastPoint's Banking Scorecard
First Federal Bank of Louisiana
Designations: ✓ Community bank
Lake Charles, LA
16 branches across LA
First Federal Bank of Louisiana has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 22.13% below tier average
- + Delinquency Rate 0.71% below tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 11.3% in tier
- - Efficiency Drag: Bottom 40.5% in tier
- - Return on Assets 0.98% below tier average
- - Net Interest Margin 1.03% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+1.3% YoY
+3.4% QoQ
|
-$1.6B |
$2.8B
-0.1% YoY
|
$784.8M
+7.0% YoY
|
$6.2B
+9.1% YoY
|
Bottom 14.9% in tier |
| Total Loans ? |
$632.8M
-4.5% YoY
-3.1% QoQ
|
-$1.3B |
$2.0B
+0.6% YoY
|
$523.7M
+4.0% YoY
|
$3.2B
+10.8% YoY
|
Bottom 5.7% in tier |
| Total Deposits ? |
$1.0B
-0.1% YoY
+4.5% QoQ
|
-$1.3B |
$2.3B
-0.3% YoY
|
$671.5M
+6.9% YoY
|
$4.8B
+8.2% YoY
|
16% |
| Return on Assets ? |
0.38%
+9.9% YoY
+28.6% QoQ
|
-0.98% |
1.37%
+19.6% YoY
|
1.24%
+12.4% YoY
|
1.23%
+13.4% YoY
|
Bottom 7.1% in tier |
| Net Interest Margin ? |
2.79%
+9.0% YoY
+3.0% QoQ
|
-1.03% |
3.82%
+6.9% YoY
|
4.12%
+1.2% YoY
|
3.89%
+5.7% YoY
|
Bottom 10.4% in tier |
| Efficiency Ratio ? |
85.39%
-2.0% YoY
+0.6% QoQ
|
+24.33% |
61.06%
-4.6% YoY
|
70.37%
-1.0% YoY
|
66.95%
-4.1% YoY
|
Bottom 5.1% in tier |
| Delinquency Rate ? |
0.18%
-93.6% YoY
-93.9% QoQ
|
-0.71% |
0.89%
+14.1% YoY
|
1.51%
+4.5% YoY
|
0.95%
+18.8% YoY
|
81% |
| Loan-to-Deposit Ratio ? |
62.08%
-4.3% YoY
-7.3% QoQ
|
-22.13% |
84.20%
+0.3% YoY
|
75.16%
-1.5% YoY
|
76.70%
+0.9% YoY
|
Top 9.2% in tier |
| Non-Interest-Bearing Deposit Share ? |
17.89%
-0.3% YoY
+6.0% QoQ
|
-3.40% |
21.29%
-2.5% YoY
|
24.55%
-1.4% YoY
|
22.01%
-1.2% YoY
|
40% |
| Nonperforming Asset Ratio ? |
1.50%
-6.0% YoY
-10.0% QoQ
|
+0.82% |
0.67%
+15.6% YoY
|
1.07%
+4.2% YoY
|
0.67%
+19.3% YoY
|
Bottom 11.2% in tier |
| Tier 1 Capital Ratio ? |
21.41%
+4.1% YoY
+1.5% QoQ
|
+6.25% |
15.16%
+2.0% YoY
|
16.56%
+0.4% YoY
|
17.06%
+0.8% YoY
|
Top 6.2% in tier |
| Non-Interest Income / Assets ? |
0.15%
-1.9% YoY
-76.9% QoQ
|
-0.11% |
0.26%
+1.6% YoY
|
0.11%
-17.3% YoY
|
0.32%
+4.1% YoY
|
52% |
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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 (2)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.