BlastPoint's Banking Scorecard
St. Landry Bank and Trust Company
Opelousas, LA
8 branches across LA
St. Landry Bank and Trust Company has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 17.76% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 35.3% in tier
- - Return on Assets 1.11% below tier average
- - Net Interest Margin 1.17% below tier average
- - Delinquency Rate 2.60% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$296.3M
-0.2% YoY
-0.8% QoQ
|
-$89.8M |
$386.1M
+0.5% YoY
|
$784.8M
+7.0% YoY
|
$6.2B
+9.1% YoY
|
45% |
| Total Loans ? |
$79.0M
+13.1% YoY
+2.8% QoQ
|
-$176.7M |
$255.7M
+1.1% YoY
|
$523.7M
+4.0% YoY
|
$3.2B
+10.8% YoY
|
Bottom 10.8% in tier |
| Total Deposits ? |
$272.0M
-2.1% YoY
-1.0% QoQ
|
-$56.0M |
$328.0M
+0.1% YoY
|
$671.5M
+6.9% YoY
|
$4.8B
+8.2% YoY
|
49% |
| Return on Assets ? |
0.16%
-64.7% YoY
-63.2% QoQ
|
-1.11% |
1.27%
+12.9% YoY
|
1.24%
+12.4% YoY
|
1.23%
+13.4% YoY
|
Bottom 5.9% in tier |
| Net Interest Margin ? |
2.76%
+4.2% YoY
-3.2% QoQ
|
-1.17% |
3.93%
+6.0% YoY
|
4.12%
+1.2% YoY
|
3.89%
+5.7% YoY
|
Bottom 6.3% in tier |
| Efficiency Ratio ? |
94.56%
-1.4% YoY
+2.0% QoQ
|
+29.28% |
65.29%
-4.5% YoY
|
70.37%
-1.0% YoY
|
66.95%
-4.1% YoY
|
Bottom 4.1% in tier |
| Delinquency Rate ? |
3.48%
+8.3% YoY
-1.7% QoQ
|
+2.60% |
0.89%
+18.8% YoY
|
1.51%
+4.5% YoY
|
0.95%
+18.8% YoY
|
Bottom 4.4% in tier |
| Loan-to-Deposit Ratio ? |
29.03%
+15.5% YoY
+3.8% QoQ
|
-47.60% |
76.64%
+0.8% YoY
|
75.16%
-1.5% YoY
|
76.70%
+0.9% YoY
|
Top 1.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
39.78%
+4.3% YoY
-1.2% QoQ
|
+17.76% |
22.02%
-1.0% YoY
|
24.55%
-1.4% YoY
|
22.01%
-1.2% YoY
|
Top 5.0% in tier |
| Nonperforming Asset Ratio ? |
0.97%
+21.5% YoY
+1.8% QoQ
|
+0.34% |
0.64%
+19.7% YoY
|
1.07%
+4.2% YoY
|
0.67%
+19.3% YoY
|
20% |
| Tier 1 Capital Ratio ? |
26.08%
-5.0% YoY
-3.7% QoQ
|
+10.25% |
15.83%
+1.5% YoY
|
16.56%
+0.4% YoY
|
17.06%
+0.8% YoY
|
Top 5.5% in tier |
| Non-Interest Income / Assets ? |
0.07%
+5.0% YoY
-69.2% QoQ
|
-0.21% |
0.28%
+9.3% YoY
|
0.11%
-17.3% YoY
|
0.32%
+4.1% YoY
|
35% |
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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.