FDIC Cert #29577 · Covington, Louisiana · Est. 1924

Heritage Bank of St Tammany - FDIC Bank Health Profile

A community-scale look at Heritage Bank of St Tammany's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$179M
Total assets
C
Health grade · Fair
0.35%
Return on assets
11.0%
Tier 1 capital

Data updated July 2026

The verdict

Heritage Bank of St Tammany earns a PlainBankData health grade of C (55/100), with well-capitalized at 11.03% Tier 1, 0.35% ROA, 86% efficiency ratio.

#3,159
largest of 4,313 FDIC banks by assets
27th
percentile by asset size, nationally
11.03%
Tier 1 ratio - above the 10% well-capitalized line
11th
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.

FDIC Call Report plate

Cert 29577 · LA C · 55/100

GRADE-C · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-C C (55/100)
  • BOTTOM-DECILE #4046/4307
  • PHOTO-FINISH First Federal Saving… · OH
  • TIER1-WELL 11.0% Tier 1
  • TEXAS-CLEAN 4.5% Texas
  • ROA-THIN 0.35% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Louisiana: First Federal Savings and Loan Association of Lakewood, OH (±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 Heritage Bank of St Tammany

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

Morgan Stanley Bank,… · UT ·…100/100First Federal Saving… · OH ·…55/100First Seacoast Bank · NH · n…55/100Heritage Bank of St… · LA · …55/100Milford Federal Bank · MA · …55/100Vidalia Federal Savi… · GA ·…55/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Heritage Bank of St Tammany · July 2026

What Heritage Bank of St Tammany's Call Report plate shows

Heritage Bank of St Tammany (FDIC Cert #29577) carries a PlainBankData health grade of C at 55/100, 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 #4,046 of 4,307. Tier 1 capital prints at 11.03%, clearing the 10% well-capitalized line. The Texas Ratio is 4.52%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.35%. Balance-sheet scale is $179M, 3,159th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is First Federal Savings and Loan Association of Lakewood (OH), 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 Heritage Bank of St Tammany

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

Heritage Bank of St Tammany'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; Heritage Bank of St Tammany 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 Heritage Bank of St Tammany's 55/100 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 avg77/10055/100
Heritage Bank of St Tammany's composite health score
Tier 1 Capital Ratio (11.03%) 28/40
Return on Assets (ROA) (0.35%) 7/25
Texas Ratio (4.52%) 20/20
Efficiency Ratio (86.47%) 0/15

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

Balance sheet at a glance

Total Assets

$179M

Total balance-sheet footings

Total Deposits

$149M

Customer-funded liabilities

Net Loans

$145M

Outstanding loan book

Net Income

$643K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% 14% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.63% 11.03% 12.43%
Basel III capital ratios - Heritage Bank of St Tammany

Where Heritage Bank of St Tammany ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Heritage Bank of St Tammany's score of 55/100 falls in the highlighted band.

Heritage Bank of St Tammany: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

55 6th percentile higher than 6% 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%). This entry sits in this band. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Heritage Bank of St Tammany 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

Heritage Bank of St Tammany'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). Heritage Bank of St Tammany's $179M falls in the highlighted band.

Safety ratios for Heritage Bank of St Tammany

Tier 1 capital ratio
Well-capitalized 10%

11.03% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
11.03%
Texas Ratio
4.52%
Equity Capital
$20M

What these ratios mean →

Profitability metrics: Heritage Bank of St Tammany

Return on Assets (ROA)
11th percentile nationally
0.35%
Return on Equity (ROE)
3.35%
Efficiency Ratio
86.47%

What these mean →

Income & expense at Heritage Bank of St Tammany

$10M
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. Heritage Bank of St Tammany reports a Texas Ratio of 4.52% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

4.52% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Heritage Bank of St Tammany 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 ($179M here), outside Louisiana so the neighborhood is not state containment.

Slovenian Savings and Loan Associatio… $179M · PA Town Center Bank $179M · IL Heritage Community Bank $179M · TN Southwind Bank $180M · KS

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Heritage Bank of St Tammany (FDIC Cert #29577) - 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.

Heritage Bank of St Tammany 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%