Total Assets
$109M
Total balance-sheet footings
FDIC Cert #8532 · Erath, Louisiana · Est. 1910
Bank of Erath - FDIC Bank Health Profile
A community-scale look at Bank of Erath's own numbers, pulled straight from its quarterly FDIC Call Report.
- $109M
- Total assets
- B
- Health grade · Good
- 0.67%
- Return on assets
- 14.3%
- Tier 1 capital
Data updated July 2026
The verdict
Bank of Erath earns a PlainBankData health grade of B (69/100), with well-capitalized at 14.25% Tier 1, 0.67% ROA, 81% efficiency ratio.
- #3,676
- largest of 4,313 FDIC banks by assets
- 15th
- percentile by asset size, nationally
- 14.25%
- Tier 1 ratio - above the 10% well-capitalized line
- 23rd
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Bank of Erath's 69/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Bank of Erath's composite health score
Tier 1 Capital Ratio (14.25%) 35/40
Return on Assets (ROA) (0.67%) 14/25
Texas Ratio (1.23%) 20/20
Efficiency Ratio (81.50%) 0/15
69 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$94M
Customer-funded liabilities
Net Loans
$46M
Outstanding loan book
Net Income
$729K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Bank of Erath ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bank of Erath's score of 69/100 falls in the highlighted band.
Bank of Erath's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Bank of Erath's $109M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
14.25% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
14.25%
Texas Ratio
1.23%
Equity Capital
$14M
Profitability metrics
Return on Assets (ROA)
23rd percentile nationally
0.67%
Return on Equity (ROE)
5.31%
Efficiency Ratio
81.50%
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. It holds $109M in total assets - 3,676th of 4,313 FDIC-insured banks, $94M in customer deposits, and $46M in net loans. Its capital position: a Tier 1 ratio of 14.25%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 1.23% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (69 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Bank of Erath is a community-scale institution -- 93rd of 106 FDIC-insured banks headquartered in Louisiana by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$5M
Interest Income
$495K
Non-Interest Income
$4M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Bank of Erath reports a Texas Ratio of 1.23% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
1.23% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Louisiana by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Bank of Erath (FDIC Cert #8532) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 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 BankChoudrant | $9.6B | B | 0.76% |
| b1BANKBaton Rouge | $8.2B | A | 1.23% |
| First Guaranty BankHammond | $4.1B | C | -1.33% |
| Gulf Coast Bank and Trust CompanyNew Orleans | $3.6B | B | 1.15% |
| Home Bank, National AssociationLafayette | $3.5B | A | 1.41% |
| Red River BankAlexandria | $3.3B | A | 1.36% |
| Investar Bank, National AssociationBaton Rouge | $2.8B | B | 0.89% |
| Bonvenu Bank, National AssociationBossier City | $1.6B | B | 0.54% |
Frequently asked questions
What is Bank of Erath's health grade?▼
Bank of Erath receives a health grade of B (69/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Bank of Erath?▼
Bank of Erath holds $109M in total assets and $94M in deposits, ranking 3,676th of 4,313 FDIC-insured banks by asset size. It is headquartered in Erath, Louisiana.
Is my money safe at Bank of Erath?▼
Yes, deposits at Bank of Erath (Certificate #8532) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Bank of Erath's Tier 1 Capital Ratio?▼
Bank of Erath has a Tier 1 Capital Ratio of 14.25%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Bank of Erath?▼
Bank of Erath has a Texas Ratio of 1.23%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Bank of Erath?▼
Bank of Erath has an Efficiency Ratio of 81.50%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Bank of Erath's profile as a depositor or analyst.
- Bank of Erath's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Bank of Erath against other Louisiana banks before moving funds. Louisiana banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.