BlastPoint's Banking Scorecard
Bank of Erath
Erath, LA
3 branches across LA
Bank of Erath has 3 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 20.88% above tier average
- + Net Interest Margin 0.18% above tier average
- + Delinquency Rate 0.66% below tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 4.3% in tier
- - Deposit Outflow: Bottom 26.7% in tier
- - Efficiency Drag: Bottom 44.2% in tier
- - ROA 0.84% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$108.6M
-0.6% YoY
-0.3% QoQ
|
-$277.5M |
$386.1M
+0.5% YoY
|
$784.8M
+7.0% YoY
|
$6.2B
+9.1% YoY
|
Bottom 2.4% in tier |
| Total Loans ? |
$42.1M
-22.1% YoY
-8.5% QoQ
|
-$213.6M |
$255.7M
+1.1% YoY
|
$523.7M
+4.0% YoY
|
$3.2B
+10.8% YoY
|
Bottom 1.7% in tier |
| Total Deposits ? |
$93.5M
-1.7% YoY
-0.4% QoQ
|
-$234.5M |
$328.0M
+0.1% YoY
|
$671.5M
+6.9% YoY
|
$4.8B
+8.2% YoY
|
Bottom 3.8% in tier |
| Return on Assets ? |
0.43%
+6.0% YoY
-35.5% QoQ
|
-0.84% |
1.27%
+12.9% YoY
|
1.24%
+12.4% YoY
|
1.23%
+13.4% YoY
|
Bottom 11.5% in tier |
| Net Interest Margin ? |
4.11%
+2.8% YoY
-6.9% QoQ
|
+0.18% |
3.93%
+6.0% YoY
|
4.12%
+1.2% YoY
|
3.89%
+5.7% YoY
|
63% |
| Efficiency Ratio ? |
87.34%
-0.3% YoY
+7.2% QoQ
|
+22.05% |
65.29%
-4.5% YoY
|
70.37%
-1.0% YoY
|
66.95%
-4.1% YoY
|
Bottom 8.3% in tier |
| Delinquency Rate ? |
0.23%
-95.2% YoY
-43.6% QoQ
|
-0.66% |
0.89%
+18.8% YoY
|
1.51%
+4.5% YoY
|
0.95%
+18.8% YoY
|
62% |
| Loan-to-Deposit Ratio ? |
45.07%
-20.8% YoY
-8.1% QoQ
|
-31.57% |
76.64%
+0.8% YoY
|
75.16%
-1.5% YoY
|
76.70%
+0.9% YoY
|
Top 6.4% in tier |
| Non-Interest-Bearing Deposit Share ? |
42.90%
-4.2% YoY
-2.6% QoQ
|
+20.88% |
22.02%
-1.0% YoY
|
24.55%
-1.4% YoY
|
22.01%
-1.2% YoY
|
Top 3.5% in tier |
| Nonperforming Asset Ratio ? |
0.19%
-92.0% YoY
-90.0% QoQ
|
-0.45% |
0.64%
+19.7% YoY
|
1.07%
+4.2% YoY
|
0.67%
+19.3% YoY
|
61% |
| Tier 1 Capital Ratio ? |
14.28%
+4.8% YoY
+0.2% QoQ
|
-1.55% |
15.83%
+1.5% YoY
|
16.56%
+0.4% YoY
|
17.06%
+0.8% YoY
|
60% |
| Non-Interest Income / Assets ? |
0.12%
+9.0% YoY
-73.9% QoQ
|
-0.16% |
0.28%
+9.3% 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)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
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.