BlastPoint's Banking Scorecard
First National Bank of Louisiana
Crowley, LA
5 branches across LA
First National Bank of Louisiana has 6 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 48.6% in tier
- + Non-Interest-Bearing Deposit Share 17.30% above tier average
- + Nonperforming Asset Ratio 0.64% below tier average
- + ROA 0.26% above tier average
- + Net Interest Margin 0.37% above tier average
- + Efficiency Ratio 9.00% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 41.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$629.2M
+13.6% YoY
+7.5% QoQ
|
+$243.1M |
$386.1M
+0.5% YoY
|
$784.8M
+7.0% YoY
|
$6.2B
+9.1% YoY
|
83% |
| Total Loans ? |
$428.7M
+12.6% YoY
+4.1% QoQ
|
+$173.0M |
$255.7M
+1.1% YoY
|
$523.7M
+4.0% YoY
|
$3.2B
+10.8% YoY
|
82% |
| Total Deposits ? |
$555.6M
+13.9% YoY
+8.4% QoQ
|
+$227.6M |
$328.0M
+0.1% YoY
|
$671.5M
+6.9% YoY
|
$4.8B
+8.2% YoY
|
84% |
| Return on Assets ? |
1.53%
-40.3% YoY
-21.2% QoQ
|
+0.26% |
1.27%
+12.9% YoY
|
1.24%
+12.4% YoY
|
1.23%
+13.4% YoY
|
70% |
| Net Interest Margin ? |
4.30%
-0.7% YoY
-4.1% QoQ
|
+0.37% |
3.93%
+6.0% YoY
|
4.12%
+1.2% YoY
|
3.89%
+5.7% YoY
|
73% |
| Efficiency Ratio ? |
56.29%
+1.9% YoY
+7.3% QoQ
|
-9.00% |
65.29%
-4.5% YoY
|
70.37%
-1.0% YoY
|
66.95%
-4.1% YoY
|
70% |
| Delinquency Rate ? | 0.00% | -0.89% |
0.89%
+18.8% YoY
|
1.51%
+4.5% YoY
|
0.95%
+18.8% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
77.17%
-1.1% YoY
-4.0% QoQ
|
+0.53% |
76.64%
+0.8% YoY
|
75.16%
-1.5% YoY
|
76.70%
+0.9% YoY
|
53% |
| Non-Interest-Bearing Deposit Share ? |
39.31%
-5.9% YoY
-4.6% QoQ
|
+17.30% |
22.02%
-1.0% YoY
|
24.55%
-1.4% YoY
|
22.01%
-1.2% YoY
|
Top 5.4% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.64% |
0.64%
+19.7% YoY
|
1.07%
+4.2% YoY
|
0.67%
+19.3% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
14.65%
-4.3% YoY
-0.0% QoQ
|
-1.18% |
15.83%
+1.5% YoY
|
16.56%
+0.4% YoY
|
17.06%
+0.8% YoY
|
63% |
| Non-Interest Income / Assets ? |
0.10%
-10.8% YoY
-77.6% QoQ
|
-0.18% |
0.28%
+9.3% YoY
|
0.11%
-17.3% YoY
|
0.32%
+4.1% YoY
|
51% |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (1)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.