Total Assets
$69M
Total balance-sheet footings
FDIC Cert #8144 · Gueydan, Louisiana · Est. 1927
Bank of Gueydan - FDIC Bank Health Profile
A community-scale look at Bank of Gueydan's own numbers, pulled straight from its quarterly FDIC Call Report.
- $69M
- Total assets
- A
- Health grade · Excellent
- 0.94%
- Return on assets
- 22.1%
- Tier 1 capital
Data updated July 2026
The verdict
Bank of Gueydan earns a PlainBankData health grade of A (82/100), with well-capitalized at 22.14% Tier 1, 0.94% ROA, efficient (57% cost ratio).
- #3,994
- largest of 4,313 FDIC banks by assets
- 7th
- percentile by asset size, nationally
- 22.14%
- Tier 1 ratio - above the 10% well-capitalized line
- 38th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Bank of Gueydan's 82/100 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 Gueydan's composite health score
Tier 1 Capital Ratio (22.14%) 40/40
Return on Assets (ROA) (0.94%) 14/25
Texas Ratio (10.11%) 16/20
Efficiency Ratio (57.16%) 12/15
82 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$53M
Customer-funded liabilities
Net Loans
$24M
Outstanding loan book
Net Income
$668K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Bank of Gueydan ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bank of Gueydan's score of 82/100 falls in the highlighted band.
Bank of Gueydan'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 Gueydan's $69M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
22.14% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
22.14%
Texas Ratio
10.11%
Equity Capital
$16M
Profitability metrics
Return on Assets (ROA)
38th percentile nationally
0.94%
Return on Equity (ROE)
4.32%
Efficiency Ratio
57.16%
What the numbers say about Bank of Gueydan
Bank of Gueydan is an FDIC-insured institution (Certificate #8144) headquartered in Gueydan, Louisiana, established in 1927. It holds $69M in total assets - 3,994th of 4,313 FDIC-insured banks, $53M in customer deposits, and $24M in net loans. Looking at capital strength, Tier 1 stands at 22.14%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 10.11%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (82/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
By assets, Bank of Gueydan ranks 102nd of 106 banks based in Louisiana -- squarely in the community-bank tier. Size alone doesn't determine a bank's local importance; a bank this size often has deeper, longer-standing relationships with the specific businesses and depositors it serves than a much larger institution would.
Income & expense breakdown
$3M
Interest Income
$163K
Non-Interest Income
$1M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Bank of Gueydan reports a Texas Ratio of 10.11% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
10.11% - 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 Gueydan (FDIC Cert #8144) - 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 Gueydan's health grade?▼
Bank of Gueydan receives a health grade of A (82/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Bank of Gueydan?▼
Bank of Gueydan holds $69M in total assets and $53M in deposits, ranking 3,994th of 4,313 FDIC-insured banks by asset size. It is headquartered in Gueydan, Louisiana.
Is my money safe at Bank of Gueydan?▼
Yes, deposits at Bank of Gueydan (Certificate #8144) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Bank of Gueydan's Tier 1 Capital Ratio?▼
Bank of Gueydan has a Tier 1 Capital Ratio of 22.14%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Bank of Gueydan?▼
Bank of Gueydan has a Texas Ratio of 10.11%. A ratio below 50% is generally considered 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 Gueydan?▼
Bank of Gueydan has an Efficiency Ratio of 57.16%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Bank of Gueydan's profile as a depositor or analyst.
- Bank of Gueydan's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Bank of Gueydan 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.