Total Assets
$1.5B
Total balance-sheet footings
FDIC Cert #1373 · Natchitoches, Louisiana · Est. 1903
BOM Bank - FDIC Bank Health Profile
A community-scale look at BOM Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $1.5B
- Total assets
- B
- Health grade · Good
- 1.24%
- Return on assets
- 10.8%
- Tier 1 capital
Data updated July 2026
The verdict
BOM Bank earns a PlainBankData health grade of B (72/100), with well-capitalized at 10.80% Tier 1, profitable at 1.24% ROA, 61% efficiency ratio.
- #742
- largest of 4,313 FDIC banks by assets
- 83rd
- percentile by asset size, nationally
- 10.80%
- Tier 1 ratio - above the 10% well-capitalized line
- 60th
- 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 BOM Bank'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.
BOM Bank's composite health score
Tier 1 Capital Ratio (10.80%) 28/40
Return on Assets (ROA) (1.24%) 20/25
Texas Ratio (7.95%) 16/20
Efficiency Ratio (61.22%) 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
$1.3B
Customer-funded liabilities
Net Loans
$1.1B
Outstanding loan book
Net Income
$18M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where BOM Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. BOM Bank's score of 72/100 falls in the highlighted band.
BOM 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). BOM Bank's $1.5B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.80% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.80%
Texas Ratio
7.95%
Equity Capital
$159M
Profitability metrics
Return on Assets (ROA)
60th percentile nationally
1.24%
Return on Equity (ROE)
11.38%
Efficiency Ratio
61.22%
What the numbers say about BOM Bank
BOM Bank is an FDIC-insured institution (Certificate #1373) headquartered in Natchitoches, Louisiana, established in 1903. It holds $1.5B in total assets - 742nd of 4,313 FDIC-insured banks, $1.3B in customer deposits, and $1.1B in net loans. Its capital position: a Tier 1 ratio of 10.80%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 7.95% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (72 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
BOM Bank sits 9th of 106 banks headquartered in Louisiana by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$86M
Interest Income
$17M
Non-Interest Income
$45M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. BOM Bank reports a Texas Ratio of 7.95% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
7.95% - 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) BOM Bank (FDIC Cert #1373) - 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 BOM Bank's health grade?▼
BOM Bank 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 BOM Bank?▼
BOM Bank holds $1.5B in total assets and $1.3B in deposits, ranking 742nd of 4,313 FDIC-insured banks by asset size. It is headquartered in Natchitoches, Louisiana.
Is my money safe at BOM Bank?▼
Yes, deposits at BOM Bank (Certificate #1373) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is BOM Bank's Tier 1 Capital Ratio?▼
BOM Bank has a Tier 1 Capital Ratio of 10.80%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for BOM Bank?▼
BOM Bank has a Texas Ratio of 7.95%. 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 BOM Bank?▼
BOM Bank has an Efficiency Ratio of 61.22%. 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 BOM Bank's profile as a depositor or analyst.
- BOM Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare BOM 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.