BlastPoint's Banking Scorecard
First American Bank and Trust
Designations: ✓ Community bank
Vacherie, LA
25 branches across LA
First American Bank and Trust has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 17.18% above tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 34.5% in tier
- - Flatlined Growth: Bottom 42.7% in tier
- - Cost Spiral: Bottom 64.5% in tier
- - ROA 0.40% below tier average
- - Delinquency Rate 0.34% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.4B
+1.5% YoY
+1.7% QoQ
|
-$1.4B |
$2.8B
-0.1% YoY
|
$784.8M
+7.0% YoY
|
$6.2B
+9.1% YoY
|
28% |
| Total Loans ? |
$839.2M
+2.0% YoY
+0.6% QoQ
|
-$1.1B |
$2.0B
+0.6% YoY
|
$523.7M
+4.0% YoY
|
$3.2B
+10.8% YoY
|
18% |
| Total Deposits ? |
$1.2B
+0.3% YoY
+2.0% QoQ
|
-$1.1B |
$2.3B
-0.3% YoY
|
$671.5M
+6.9% YoY
|
$4.8B
+8.2% YoY
|
32% |
| Return on Assets ? |
0.96%
-7.1% YoY
-16.8% QoQ
|
-0.40% |
1.37%
+19.6% YoY
|
1.24%
+12.4% YoY
|
1.23%
+13.4% YoY
|
30% |
| Net Interest Margin ? |
3.80%
+9.7% YoY
+1.6% QoQ
|
-0.02% |
3.82%
+6.9% YoY
|
4.12%
+1.2% YoY
|
3.89%
+5.7% YoY
|
60% |
| Efficiency Ratio ? |
72.58%
+9.0% YoY
+11.3% QoQ
|
+11.52% |
61.06%
-4.6% YoY
|
70.37%
-1.0% YoY
|
66.95%
-4.1% YoY
|
19% |
| Delinquency Rate ? |
1.23%
-9.5% YoY
+35.1% QoQ
|
+0.34% |
0.89%
+14.1% YoY
|
1.51%
+4.5% YoY
|
0.95%
+18.8% YoY
|
21% |
| Loan-to-Deposit Ratio ? |
68.88%
+1.7% YoY
-1.4% QoQ
|
-15.32% |
84.20%
+0.3% YoY
|
75.16%
-1.5% YoY
|
76.70%
+0.9% YoY
|
84% |
| Non-Interest-Bearing Deposit Share ? |
38.47%
+2.8% YoY
+6.0% QoQ
|
+17.18% |
21.29%
-2.5% YoY
|
24.55%
-1.4% YoY
|
22.01%
-1.2% YoY
|
Top 5.3% in tier |
| Nonperforming Asset Ratio ? |
0.74%
-9.3% YoY
+33.6% QoQ
|
+0.07% |
0.67%
+15.6% YoY
|
1.07%
+4.2% YoY
|
0.67%
+19.3% YoY
|
29% |
| Tier 1 Capital Ratio ? |
24.82%
+4.6% YoY
-2.0% QoQ
|
+9.66% |
15.16%
+2.0% YoY
|
16.56%
+0.4% YoY
|
17.06%
+0.8% YoY
|
Top 4.2% in tier |
| Non-Interest Income / Assets ? |
0.17%
+28.0% YoY
-69.0% QoQ
|
-0.08% |
0.26%
+1.6% YoY
|
0.11%
-17.3% YoY
|
0.32%
+4.1% YoY
|
62% |
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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 (3)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.