Total Assets
$99M
Total balance-sheet footings
FDIC Cert #30339 · Deridder, Louisiana · Est. 1948
Beauregard Federal Savings Bank - FDIC Bank Health Profile
A community-scale look at Beauregard Federal Savings Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $99M
- Total assets
- C
- Health grade · Fair
- 0.79%
- Return on assets
- 10.0%
- Tier 1 capital
Data updated July 2026
The verdict
Beauregard Federal Savings Bank earns a PlainBankData health grade of C (56/100), with well-capitalized at 10.04% Tier 1, 0.79% ROA, 73% efficiency ratio.
- #3,743
- largest of 4,313 FDIC banks by assets
- 13th
- percentile by asset size, nationally
- 10.04%
- Tier 1 ratio - above the 10% well-capitalized line
- 29th
- 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 Beauregard Federal Savings Bank's 56/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Beauregard Federal Savings Bank's composite health score
Tier 1 Capital Ratio (10.04%) 28/40
Return on Assets (ROA) (0.79%) 14/25
Texas Ratio (17.21%) 10/20
Efficiency Ratio (73.24%) 4/15
56 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$79M
Customer-funded liabilities
Net Loans
$74M
Outstanding loan book
Net Income
$699K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Beauregard Federal Savings Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Beauregard Federal Savings Bank's score of 56/100 falls in the highlighted band.
Beauregard Federal Savings Bank'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). Beauregard Federal Savings Bank's $99M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.04% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.04%
Texas Ratio
17.21%
Equity Capital
$12M
Profitability metrics
Return on Assets (ROA)
29th percentile nationally
0.79%
Return on Equity (ROE)
6.20%
Efficiency Ratio
73.24%
What the numbers say about Beauregard Federal Savings Bank
Beauregard Federal Savings Bank is an FDIC-insured institution (Certificate #30339) headquartered in Deridder, Louisiana, established in 1948. It holds $99M in total assets - 3,743rd of 4,313 FDIC-insured banks, $79M in customer deposits, and $74M in net loans. Capital-wise, the Tier 1 ratio sits at 10.04%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 17.21%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of C (56 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Beauregard Federal Savings Bank is a community-scale institution -- 95th 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
$6M
Interest Income
$176K
Non-Interest Income
$3M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Beauregard Federal Savings Bank reports a Texas Ratio of 17.21% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
17.21% - 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) Beauregard Federal Savings Bank (FDIC Cert #30339) - 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 Beauregard Federal Savings Bank's health grade?▼
Beauregard Federal Savings Bank receives a health grade of C (56/100) 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 Beauregard Federal Savings Bank?▼
Beauregard Federal Savings Bank holds $99M in total assets and $79M in deposits, ranking 3,743rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Deridder, Louisiana.
Is my money safe at Beauregard Federal Savings Bank?▼
Yes, deposits at Beauregard Federal Savings Bank (Certificate #30339) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Beauregard Federal Savings Bank's Tier 1 Capital Ratio?▼
Beauregard Federal Savings Bank has a Tier 1 Capital Ratio of 10.04%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Beauregard Federal Savings Bank?▼
Beauregard Federal Savings Bank has a Texas Ratio of 17.21%. 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 Beauregard Federal Savings Bank?▼
Beauregard Federal Savings Bank has an Efficiency Ratio of 73.24%. 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 Beauregard Federal Savings Bank's profile as a depositor or analyst.
- Beauregard Federal Savings Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Beauregard Federal Savings Bank 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.