Total Assets
$102M
Total balance-sheet footings
FDIC Cert #17878 · New Orleans, Louisiana · Est. 1958
Bank of Louisiana - FDIC Bank Health Profile
A community-scale look at Bank of Louisiana's own numbers, pulled straight from its quarterly FDIC Call Report.
- $102M
- Total assets
- C
- Health grade · Fair
- 0.42%
- Return on assets
- 17.8%
- Tier 1 capital
Data updated July 2026
The verdict
Bank of Louisiana earns a PlainBankData health grade of C (57/100), with well-capitalized at 17.82% Tier 1, 0.42% ROA, 89% efficiency ratio.
- #3,725
- largest of 4,313 FDIC banks by assets
- 14th
- percentile by asset size, nationally
- 17.82%
- Tier 1 ratio - above the 10% well-capitalized line
- 13th
- 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 Louisiana's 57/100 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 Louisiana's composite health score
Tier 1 Capital Ratio (17.82%) 40/40
Return on Assets (ROA) (0.42%) 7/25
Texas Ratio (20.71%) 10/20
Efficiency Ratio (88.78%) 0/15
57 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$89M
Customer-funded liabilities
Net Loans
$62M
Outstanding loan book
Net Income
$413K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Bank of Louisiana ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bank of Louisiana's score of 57/100 falls in the highlighted band.
Bank of Louisiana'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 Louisiana's $102M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
17.82% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
17.82%
Texas Ratio
20.71%
Equity Capital
$11M
Profitability metrics
Return on Assets (ROA)
13th percentile nationally
0.42%
Return on Equity (ROE)
3.72%
Efficiency Ratio
88.78%
What the numbers say about Bank of Louisiana
Bank of Louisiana is an FDIC-insured institution (Certificate #17878) headquartered in New Orleans, Louisiana, established in 1958. It holds $102M in total assets - 3,725th of 4,313 FDIC-insured banks, $89M in customer deposits, and $62M in net loans. On safety, its Tier 1 capital ratio of 17.82% is above the 10% well-capitalized threshold, and its Texas Ratio of 20.71% sits in the healthy range below 50%. It earns a PlainBankData health grade of C (57/100), 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 Louisiana ranks 94th 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
$6M
Interest Income
$1M
Non-Interest Income
$5M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Bank of Louisiana reports a Texas Ratio of 20.71% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
20.71% - 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 Louisiana (FDIC Cert #17878) - 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 Louisiana's health grade?▼
Bank of Louisiana receives a health grade of C (57/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Bank of Louisiana?▼
Bank of Louisiana holds $102M in total assets and $89M in deposits, ranking 3,725th of 4,313 FDIC-insured banks by asset size. It is headquartered in New Orleans, Louisiana.
Is my money safe at Bank of Louisiana?▼
Yes, deposits at Bank of Louisiana (Certificate #17878) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Bank of Louisiana's Tier 1 Capital Ratio?▼
Bank of Louisiana has a Tier 1 Capital Ratio of 17.82%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Bank of Louisiana?▼
Bank of Louisiana has a Texas Ratio of 20.71%. 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 Louisiana?▼
Bank of Louisiana has an Efficiency Ratio of 88.78%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Bank of Louisiana's profile as a depositor or analyst.
- Bank of Louisiana's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Bank of Louisiana 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.