Total Assets
$109M
Total balance-sheet footings
2026 data FDIC sourced Public-data reference.
Bank of Erath — FDIC Bank Health Profile
Erath, Louisiana · Est. 1910. Free, sourced from the FDIC BankFind Suite — refreshed each quarter and cross-checked against the FDIC Call Report.
State chartered State member bank FDIC Cert #8532 Dallas Region
F
Health grade
At Risk
Score: 14/100
Basel III capital ratios — Bank of Erath
Total Deposits
$94M
Customer-funded liabilities
Net Loans
$46M
Outstanding loan book
Net Income
$729K
Bottom-line earnings
Safety Metrics
Tier 1 capital ratio
Well-capitalized 10%
0.00% of risk-weighted assets — below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
0.00%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
—
Equity Capital
Tangible book value as a capital buffer
$14M
Profitability Metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1%
0.67%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
5.31%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
81.50%
Income & Expense Breakdown
$5M
Interest Income
$495K
Non-Interest Income
$4M
Non-Interest Expense
FDIC Deposit Insurance
Bank of Erath is FDIC-insured (Certificate #8532). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
What the Numbers Say About Bank of Erath
Bank of Erath is an FDIC-insured institution (Certificate #8532) headquartered in Erath, Louisiana, established in 1910. The bank currently holds $109M in total assets and $94M in customer deposits, with $46M deployed as loans. It operates as a State chartered (State member bank) within the FDIC Dallas region. These figures come directly from the bank's quarterly FDIC Call Report and reflect the balance sheet as of the latest regulatory filing.
On safety metrics, Bank of Erath reports a Tier 1 Capital Ratio of 0.00% — below the 6% "adequately capitalized" minimum set by federal regulators and a Texas Ratio of —. Equity capital stands at $14M, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of 0.67% and a Return on Equity of 5.31%, with an Efficiency Ratio of 81.50% — above the 60% benchmark, meaning a larger share of revenue is consumed by operating costs. The combined picture yields a PlainBankData health grade of F (14/100), a composite score that blends all four dimensions.
Not financial advice. This page summarizes public FDIC Call Report data for informational purposes only. Health grades are our interpretation of regulatory filings and are not official FDIC ratings, endorsements, or predictions. Regardless of grade, every dollar on deposit at Bank of Erath is protected by FDIC insurance up to $250,000 per depositor, per ownership category — even if the bank were to fail. For decisions about where to hold deposits, consult a qualified financial professional and verify the latest figures directly at the FDIC's BankFind Suite.
Top 5 banks in Louisiana by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) + CRA performance data Bank of Erath (FDIC Cert #8532) — Tier 1 capital ratio, total assets, deposits, CRA rating · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other Banks in Louisiana
All Louisiana banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Origin Bank Choudrant | $9.6B | C | 0.76% |
| b1BANK Baton Rouge | $8.2B | B | 1.23% |
| First Guaranty Bank Hammond | $4.1B | D | -1.33% |
| Gulf Coast Bank and Trust Company New Orleans | $3.6B | C | 1.15% |
| Home Bank, National Association Lafayette | $3.5B | B | 1.41% |
| Red River Bank Alexandria | $3.3B | B | 1.36% |
| Investar Bank, National Association Baton Rouge | $2.8B | C | 0.89% |
| Bonvenu Bank, National Association Bossier City | $1.6B | C | 0.54% |
Frequently Asked Questions
What is Bank of Erath's health grade? ▼
Bank of Erath receives a health grade of F (14/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank has significant financial challenges. All deposits remain FDIC-insured up to $250,000.
How large is Bank of Erath? ▼
Bank of Erath holds $109M in total assets and $94M in deposits. It is headquartered in Erath, Louisiana.
Is my money safe at Bank of Erath? ▼
Yes. Bank of Erath is FDIC-insured (Certificate #8532). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
What is Bank of Erath's Tier 1 Capital Ratio? ▼
Bank of Erath has a Tier 1 Capital Ratio of 0.00%. The federal "well-capitalized" threshold is 10%. This bank is below the 6% minimum for "adequately capitalized" status.
How efficient is Bank of Erath? ▼
Bank of Erath has an Efficiency Ratio of 81.50%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
Bank Safety Guides
Related Data Sources
Data from the FDIC BankFind Suite API. Financial data as of Q4 2025.
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the FDIC BankFind Suite. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.