FDIC Cert #27752 · New Orleans, Louisiana · Est. 1886

Hibernia Bank - FDIC Bank Health Profile

This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.

Compiled from official public sources by the publisher.
$246M
Total assets
D
Health grade · Weak
-0.29%
Return on assets
11.6%
Tier 1 capital

Data updated July 2026

The verdict

Hibernia Bank earns a PlainBankData health grade of D (44/100), with well-capitalized at 11.57% Tier 1, -0.29% ROA, 114% efficiency ratio.

#2,754
largest of 4,313 FDIC banks by assets
36th
percentile by asset size, nationally
11.57%
Tier 1 ratio - above the 10% well-capitalized line
3rd
percentile for profitability (ROA), nationally

A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.

FDIC Call Report plate

Cert 27752 · LA D · 44/100

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

  • GRADE-D D (44/100)
  • BOTTOM-DECILE #4213/4307
  • PHOTO-FINISH Tarboro Savings Bank… · NC
  • TIER1-WELL 11.6% Tier 1
  • TEXAS-CLEAN 8.9% Texas
  • ROA-LOSS -0.29% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Louisiana: Tarboro Savings Bank, SSB, NC (±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 Hibernia Bank

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

Morgan Stanley Bank,… · UT ·…100/100Axiom Bank, National… · FL ·…44/100Bar Harbor Savings a… · ME ·…44/100Hibernia Bank · LA · this ba…44/100Small Business Bank · KS · n…44/100Tarboro Savings Bank… · NC ·…44/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Hibernia Bank · July 2026

What Hibernia Bank's Call Report plate shows

Hibernia Bank (FDIC Cert #27752) carries a PlainBankData health grade of D at 44/100, 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 #4,213 of 4,307. Tier 1 capital prints at 11.57%, clearing the 10% well-capitalized line. The Texas Ratio is 8.88%, inside the sub-50% band analysts treat as healthy. Return on assets is -0.29%. Balance-sheet scale is $246M, 2,754th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Tarboro Savings Bank, SSB (NC), 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 Hibernia Bank

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

Hibernia 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; Hibernia 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 Hibernia Bank's 44/100 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 avg77/10044/100
Hibernia Bank's composite health score
Tier 1 Capital Ratio (11.57%) 28/40
Return on Assets (ROA) (-0.29%) 0/25
Texas Ratio (8.88%) 16/20
Efficiency Ratio (113.85%) 0/15

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

Balance sheet at a glance

Total Assets

$246M

Total balance-sheet footings

Total Deposits

$211M

Customer-funded liabilities

Net Loans

$186M

Outstanding loan book

Net Income

$-718K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 10.17% 11.57% 12.97%
Basel III capital ratios - Hibernia Bank

Where Hibernia Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Hibernia Bank's score of 44/100 falls in the highlighted band.

Hibernia Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

44 2nd percentile higher than 2% 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%). This entry sits in this band. 50–60: 279 FDIC-insured banks (6%). Above this entry. 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. Hibernia 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

Hibernia 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). Hibernia Bank's $246M falls in the highlighted band.

Safety ratios for Hibernia Bank

Tier 1 capital ratio
Well-capitalized 10%

11.57% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
11.57%
Texas Ratio
8.88%
Equity Capital
$34M

What these ratios mean →

Profitability metrics: Hibernia Bank

Return on Assets (ROA)
3rd percentile nationally
-0.29%
Return on Equity (ROE)
-2.12%
Efficiency Ratio
113.85%

What these mean →

Income & expense: loss period at Hibernia Bank

$11M
Interest Income
$119K
Non-Interest Income
$6M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Hibernia Bank reports a Texas Ratio of 8.88% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

8.88% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

What to watch at Hibernia Bank

Hibernia Bank's grade of D reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-718K for the period, a loss that, if sustained, erodes the equity cushion.

Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Hibernia Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.

FDIC Failed Bank List → View Hibernia 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 ($246M here), outside Louisiana so the neighborhood is not state containment.

Commercial State Bank $246M · NE Bank of Holland $246M · NY West Central Bank $246M · IL The First National Bank of Sterling C… $245M · TX

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Hibernia Bank (FDIC Cert #27752) - 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.

Hibernia 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%