Total Assets
$377M
Total balance-sheet footings
FDIC Cert #22739 · Saint Francisville, Louisiana · Est. 1978
Bank of St. Francisville - FDIC Bank Health Profile
A community-scale look at Bank of St. Francisville's own numbers, pulled straight from its quarterly FDIC Call Report.
- $377M
- Total assets
- B
- Health grade · Good
- 1.31%
- Return on assets
- 10.1%
- Tier 1 capital
Data updated July 2026
The verdict
Bank of St. Francisville earns a PlainBankData health grade of B (72/100), with well-capitalized at 10.13% Tier 1, profitable at 1.31% ROA, 65% efficiency ratio.
- #2,166
- largest of 4,313 FDIC banks by assets
- 50th
- percentile by asset size, nationally
- 10.13%
- Tier 1 ratio - above the 10% well-capitalized line
- 65th
- 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 St. Francisville's 72/100 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 St. Francisville's composite health score
Tier 1 Capital Ratio (10.13%) 28/40
Return on Assets (ROA) (1.31%) 20/25
Texas Ratio (5.83%) 16/20
Efficiency Ratio (65.31%) 8/15
72 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$326M
Customer-funded liabilities
Net Loans
$289M
Outstanding loan book
Net Income
$5M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Bank of St. Francisville ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bank of St. Francisville's score of 72/100 falls in the highlighted band.
Bank of St. Francisville'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 St. Francisville's $377M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.13% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.13%
Texas Ratio
5.83%
Equity Capital
$38M
Profitability metrics
Return on Assets (ROA)
65th percentile nationally
1.31%
Return on Equity (ROE)
14.02%
Efficiency Ratio
65.31%
What the numbers say about Bank of St. Francisville
Bank of St. Francisville is an FDIC-insured institution (Certificate #22739) headquartered in Saint Francisville, Louisiana, established in 1978. It holds $377M in total assets - 2,166th of 4,313 FDIC-insured banks, $326M in customer deposits, and $289M in net loans. Looking at capital strength, Tier 1 stands at 10.13%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 5.83%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of B (72/100), 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.
Within Louisiana, Bank of St. Francisville ranks 54th of 106 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$23M
Interest Income
$1M
Non-Interest Income
$11M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Bank of St. Francisville reports a Texas Ratio of 5.83% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
5.83% - 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 St. Francisville (FDIC Cert #22739) - 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 St. Francisville's health grade?▼
Bank of St. Francisville receives a health grade of B (72/100) 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 St. Francisville?▼
Bank of St. Francisville holds $377M in total assets and $326M in deposits, ranking 2,166th of 4,313 FDIC-insured banks by asset size. It is headquartered in Saint Francisville, Louisiana.
Is my money safe at Bank of St. Francisville?▼
Yes, deposits at Bank of St. Francisville (Certificate #22739) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Bank of St. Francisville's Tier 1 Capital Ratio?▼
Bank of St. Francisville has a Tier 1 Capital Ratio of 10.13%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Bank of St. Francisville?▼
Bank of St. Francisville has a Texas Ratio of 5.83%. 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 St. Francisville?▼
Bank of St. Francisville has an Efficiency Ratio of 65.31%. 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 St. Francisville's profile as a depositor or analyst.
- Bank of St. Francisville's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Bank of St. Francisville 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.