BlastPoint's Banking Scorecard
Bank of Coushatta
Coushatta, LA
3 branches across LA
Bank of Coushatta faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 24.2% in tier
- - Net Interest Margin 1.31% below tier average
- - Delinquency Rate 6.30% above tier average
- - Nonperforming Asset Ratio 2.37% above tier average
- - ROA 0.78% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$324.4M
+3.8% YoY
+2.0% QoQ
|
-$61.7M |
$386.1M
+0.5% YoY
|
$784.8M
+7.0% YoY
|
$6.2B
+9.1% YoY
|
50% |
| Total Loans ? |
$133.8M
-1.1% YoY
-2.4% QoQ
|
-$121.9M |
$255.7M
+1.1% YoY
|
$523.7M
+4.0% YoY
|
$3.2B
+10.8% YoY
|
30% |
| Total Deposits ? |
$251.5M
+3.1% YoY
+2.6% QoQ
|
-$76.5M |
$328.0M
+0.1% YoY
|
$671.5M
+6.9% YoY
|
$4.8B
+8.2% YoY
|
45% |
| Return on Assets ? |
0.49%
+11.8% YoY
+17.3% QoQ
|
-0.78% |
1.27%
+12.9% YoY
|
1.24%
+12.4% YoY
|
1.23%
+13.4% YoY
|
Bottom 12.9% in tier |
| Net Interest Margin ? |
2.62%
-1.3% YoY
+2.7% QoQ
|
-1.31% |
3.93%
+6.0% YoY
|
4.12%
+1.2% YoY
|
3.89%
+5.7% YoY
|
Bottom 4.5% in tier |
| Efficiency Ratio ? |
80.27%
-4.0% YoY
-3.6% QoQ
|
+14.98% |
65.29%
-4.5% YoY
|
70.37%
-1.0% YoY
|
66.95%
-4.1% YoY
|
15% |
| Delinquency Rate ? |
7.18%
+302.6% YoY
+561.3% QoQ
|
+6.30% |
0.89%
+18.8% YoY
|
1.51%
+4.5% YoY
|
0.95%
+18.8% YoY
|
Bottom 0.7% in tier |
| Loan-to-Deposit Ratio ? |
53.21%
-4.1% YoY
-4.9% QoQ
|
-23.43% |
76.64%
+0.8% YoY
|
75.16%
-1.5% YoY
|
76.70%
+0.9% YoY
|
Top 12.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.88%
+2.8% YoY
+9.8% QoQ
|
-1.14% |
22.02%
-1.0% YoY
|
24.55%
-1.4% YoY
|
22.01%
-1.2% YoY
|
49% |
| Nonperforming Asset Ratio ? |
3.01%
+284.7% YoY
+272.8% QoQ
|
+2.37% |
0.64%
+19.7% YoY
|
1.07%
+4.2% YoY
|
0.67%
+19.3% YoY
|
Bottom 3.0% in tier |
| Tier 1 Capital Ratio ? |
14.21%
+5.9% YoY
-0.5% QoQ
|
-1.62% |
15.83%
+1.5% YoY
|
16.56%
+0.4% YoY
|
17.06%
+0.8% YoY
|
59% |
| Non-Interest Income / Assets ? |
0.08%
+108.4% YoY
-54.8% QoQ
|
-0.20% |
0.28%
+9.3% YoY
|
0.11%
-17.3% YoY
|
0.32%
+4.1% YoY
|
40% |
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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 (1)
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.