BlastPoint's Banking Scorecard
Bank of Gueydan
Designations: ✓ Community bank
Gueydan, 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 -6.0% year over year ($53.1M on the books).
- Delinquency rate 7.05%.
- Return on assets 0.72%.
- Efficiency ratio 62.55% vs a 119.40% peer average.
- Loan-to-deposit ratio 40.70% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bank of Gueydan has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 56.84% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 5.57% above tier average
- - Nonperforming Asset Ratio 1.37% above tier average
- - ROA 0.27% below tier average
- - Net Interest Margin 0.54% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$69.2M
-4.8% YoY
-2.5% QoQ
|
+$6.8M |
$62.4M
-0.0% YoY
|
$799.3M
+7.8% YoY
|
$6.3B
+7.7% YoY
|
56% |
| Total Loans ? |
$21.6M
-9.8% YoY
+6.1% QoQ
|
-$13.3M |
$34.9M
-0.6% YoY
|
$538.5M
+5.3% YoY
|
$3.2B
+9.4% YoY
|
31% |
| Total Deposits ? |
$53.1M
-6.0% YoY
-3.4% QoQ
|
+$1.5M |
$51.6M
-0.2% YoY
|
$677.9M
+7.3% YoY
|
$4.9B
+7.3% YoY
|
50% |
| Return on Assets ? |
0.72%
-5.2% YoY
-3.0% QoQ
|
-0.27% |
1.00%
+3.5% YoY
|
1.37%
+23.6% YoY
|
1.30%
+12.1% YoY
|
37% |
| Net Interest Margin ? |
3.38%
+5.3% YoY
+2.3% QoQ
|
-0.54% |
3.91%
+2.3% YoY
|
4.15%
+0.0% YoY
|
3.95%
+4.9% YoY
|
25% |
| Efficiency Ratio ? |
62.55%
-18.7% YoY
-0.3% QoQ
|
-56.84% |
119.40%
+49.6% YoY
|
69.40%
-0.9% YoY
|
70.05%
+2.5% YoY
|
69% |
| Delinquency Rate ? |
7.05%
-12.8% YoY
-17.4% QoQ
|
+5.57% |
1.48%
+31.8% YoY
|
1.53%
+7.9% YoY
|
0.98%
+16.3% YoY
|
Bottom 4.3% in tier |
| Loan-to-Deposit Ratio ? |
40.70%
-4.0% YoY
+9.8% QoQ
|
-33.51% |
74.21%
+12.6% YoY
|
77.15%
-1.0% YoY
|
79.03%
+2.3% YoY
|
82% |
| Non-Interest-Bearing Deposit Share ? |
32.62%
-0.3% YoY
-2.9% QoQ
|
+9.13% |
23.49%
+0.6% YoY
|
24.65%
+0.5% YoY
|
21.98%
-0.6% YoY
|
81% |
| Nonperforming Asset Ratio ? |
2.20%
-17.4% YoY
-10.2% QoQ
|
+1.37% |
0.84%
+23.0% YoY
|
1.11%
+4.1% YoY
|
0.69%
+15.8% YoY
|
Bottom 9.1% in tier |
| Tier 1 Capital Ratio ? |
22.11%
+3.8% YoY
+0.8% QoQ
|
-5.01% |
27.13%
+3.0% YoY
|
17.35%
+5.4% YoY
|
17.09%
+0.8% YoY
|
74% |
| Non-Interest Income / Assets ? |
0.13%
+8.7% YoY
+64.8% QoQ
|
-1.25% |
1.38%
+6.3% YoY
|
0.33%
+19.6% YoY
|
0.66%
+5.2% YoY
|
52% |
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 |
32.6%
-0.1pp YoY -1.0pp QoQ |
+8.0pp | 24.6% | 24.6% | 22.2% | 80% |
| 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 |
25.4%
-3.7pp YoY -2.8pp QoQ |
+12.0pp | 13.4% | 12.6% | 12.5% | 85% |
| CRE | n/a | n/a | 25.2% | 44.9% | 41.4% | n/a |
| 1-4 Family |
5.2%
+0.4pp YoY -0.3pp QoQ |
-29.8pp | 35.0% | 34.2% | 31.3% | 15% |
| Consumer |
22.1%
-4.9pp YoY -3.0pp QoQ |
+14.5pp | 7.7% | 4.2% | 5.0% | 95% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 22.5% | 19.7% | n/a |
| Leverage Ratio |
22.1%
+0.8pp YoY +0.2pp QoQ |
+4.4pp | 17.7% | 13.4% | 12.6% | 89% |
| Total Capital Ratio | n/a | n/a | 39.7% | 23.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
10
0 YoY 0 QoQ |
-2 | 12 | 114 | 482 | 43% |
| Assets per Employee ($) |
$6.9M
-4.8% YoY -2.5% QoQ |
+$734K | $6.2M | $6.8M | $8.8M | 65% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 9 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.4% | 0.4% | n/a |
| Nonaccrual |
7.1%
-1.0pp YoY -1.4pp QoQ |
+5.3pp | 1.7% | 1.4% | 1.0% | 96% |
| Allowance Coverage |
0.59x
-18.2% YoY +5.9% QoQ |
-5.82x | 6.41x | 27.36x | 20.23x | 27% |
| Net Charge-off Rate (YTD) |
1.3%
+0.9pp YoY +1.2pp QoQ |
+1.2pp | 0.2% | 0.1% | 0.2% | 97% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
3.2%
-0.4pp YoY -0.1pp QoQ |
-3.1pp | 6.4% | 12.5% | 11.6% | 25% |
| Cost of Funds (YTD) |
0.6%
-0.1pp YoY 0.0pp QoQ |
-0.8pp | 1.4% | 1.7% | 1.7% | 10% |
| Net Income ($, YTD) |
$253,000
-8.0% YoY — QoQ |
-$65K | $317,817 | $5.1M | $40.4M | 44% |
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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.