FDIC Cert #27697 · New Orleans, Louisiana · Est. 1926

Fifth District Savings Bank - FDIC Bank Health Profile

A community-scale look at Fifth District Savings Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$534M
Total assets
B
Health grade · Good
0.79%
Return on assets
41.2%
Tier 1 capital

Data updated July 2026

The verdict

Fifth District Savings Bank earns a PlainBankData health grade of B (78/100), with well-capitalized at 41.17% Tier 1, 0.79% ROA, 74% efficiency ratio.

#1,708
largest of 4,313 FDIC banks by assets
60th
percentile by asset size, nationally
41.17%
Tier 1 ratio - above the 10% well-capitalized line
29th
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.

FDIC Call Report plate

Cert 27697 · LA B · 78/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-B B (78/100)
  • MID-PACK #2191/4307
  • PHOTO-FINISH The Berkshire Bank · NY
  • TIER1-WELL 41.2% Tier 1
  • TEXAS-CLEAN 0.5% Texas
  • ROA-PAR 0.79% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Louisiana: The Berkshire Bank, NY (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Fifth District Savings Bank

Lowest and highest poles plus nearest scored peers outside Louisiana, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Fifth District Savin… · LA ·…78/100Independent Correspo… · KY ·…78/100InterBank · OK · near78/100OSB Community Bank · IL · ne…78/100The Berkshire Bank · NY · ne…78/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Fifth District Savings Bank · July 2026

What Fifth District Savings Bank's Call Report plate shows

Fifth District Savings Bank (FDIC Cert #27697) carries a PlainBankData health grade of B at 78/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,191 of 4,307. Tier 1 capital prints at 41.17%, clearing the 10% well-capitalized line. The Texas Ratio is 0.48%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.79%. Balance-sheet scale is $534M, 1,708th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The Berkshire Bank (NY), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Fifth District Savings Bank

4 FAILURE resolutions in Louisiana since 2000 (3 since 2008)

Fifth District Savings Bank's home state sits in the middle band of post-2000 FAILURE counts (4; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Fifth District Savings Bank remains an active FDIC-insured reporter.

  • FIRST NBC BANK NEW ORLEANS, LA 2017 → WHITNEY BANK
  • CENTRAL PROGRESSIVE BANK LACOMBE, LA 2011 → FIRST NBC BANK
  • STATEWIDE BANK COVINGTON, LA 2010 → HOME BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Louisiana banks.

How Fifth District Savings Bank's 78/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10078/100
Fifth District Savings Bank's composite health score
Tier 1 Capital Ratio (41.17%) 40/40
Return on Assets (ROA) (0.79%) 14/25
Texas Ratio (0.48%) 20/20
Efficiency Ratio (74.45%) 4/15

78 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$534M

Total balance-sheet footings

Total Deposits

$419M

Customer-funded liabilities

Net Loans

$376M

Outstanding loan book

Net Income

$4M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 10% 20% 30% 40% 50% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 39.77% 41.17% 42.57%
Basel III capital ratios - Fifth District Savings Bank

Where Fifth District Savings Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Fifth District Savings Bank's score of 78/100 falls in the highlighted band.

Fifth District Savings Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

78 49th percentile higher than 49% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Fifth District Savings Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Fifth District 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). Fifth District Savings Bank's $534M falls in the highlighted band.

Safety ratios for Fifth District Savings Bank

Tier 1 capital ratio
Well-capitalized 10%

41.17% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
41.17%
Texas Ratio
0.48%
Equity Capital
$111M

What these ratios mean →

Profitability metrics: Fifth District Savings Bank

Return on Assets (ROA)
29th percentile nationally
0.79%
Return on Equity (ROE)
3.93%
Efficiency Ratio
74.45%

What these mean →

Income & expense at Fifth District Savings Bank

$22M
Interest Income
$4M
Non-Interest Income
$13M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Fifth District Savings Bank reports a Texas Ratio of 0.48% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.48% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Fifth District Savings Bank on FDIC BankFind →

Top banks in Louisiana by total assets

Largest banks headquartered in Louisiana
  1. 1
    Origin Bank $9.6B

    Choudrant, LA · Grade B

  2. 2
    b1BANK $8.2B

    Baton Rouge, LA · Grade A

  3. 3
    First Guaranty Bank $4.1B

    Hammond, LA · Grade C

  4. 4
    Gulf Coast Bank and Trust Company $3.6B

    New Orleans, LA · Grade B

  5. 5
    Home Bank $3.5B

    Lafayette, LA · Grade A

Top 5 banks in Louisiana ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($534M here), outside Louisiana so the neighborhood is not state containment.

KodaBank $534M · ND Belgrade State Bank $535M · MO Portage Community Bank $533M · OH High Country Bank $533M · CO

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Fifth District Savings Bank (FDIC Cert #27697) - 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.

Fifth District Savings Bank Call Report profile · FDIC Failed Bank List · Louisiana FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Louisiana

All Louisiana banks →
BankAssetsGradeROA
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%