Total Assets
$117M
Total balance-sheet footings
FDIC Cert #19354 · Hodge, Louisiana · Est. 1965
Hodge Bank & Trust Company - FDIC Bank Health Profile
A community-scale look at Hodge Bank & Trust Company's own numbers, pulled straight from its quarterly FDIC Call Report.
- $117M
- Total assets
- A
- Health grade · Excellent
- 2.31%
- Return on assets
- 15.7%
- Tier 1 capital
Data updated July 2026
The verdict
Hodge Bank & Trust Company earns a PlainBankData health grade of A (96/100), with well-capitalized at 15.66% Tier 1, profitable at 2.31% ROA, efficient (47% cost ratio).
- #3,611
- largest of 4,313 FDIC banks by assets
- 16th
- percentile by asset size, nationally
- 15.66%
- Tier 1 ratio - above the 10% well-capitalized line
- 95th
- 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 Hodge Bank & Trust Company's 96/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Hodge Bank & Trust Company's composite health score
Tier 1 Capital Ratio (15.66%) 40/40
Return on Assets (ROA) (2.31%) 25/25
Texas Ratio (10.67%) 16/20
Efficiency Ratio (47.41%) 15/15
96 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$98M
Customer-funded liabilities
Net Loans
$80M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Hodge Bank & Trust Company ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Hodge Bank & Trust Company's score of 96/100 falls in the highlighted band.
Hodge Bank & Trust Company'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). Hodge Bank & Trust Company's $117M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
15.66% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
15.66%
Texas Ratio
10.67%
Equity Capital
$18M
Profitability metrics
Return on Assets (ROA)
95th percentile nationally
2.31%
Return on Equity (ROE)
14.25%
Efficiency Ratio
47.41%
What the numbers say about Hodge Bank & Trust Company
Hodge Bank & Trust Company is an FDIC-insured institution (Certificate #19354) headquartered in Hodge, Louisiana, established in 1965. It holds $117M in total assets - 3,611th of 4,313 FDIC-insured banks, $98M in customer deposits, and $80M in net loans. Capital-wise, the Tier 1 ratio sits at 15.66%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 10.67%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of A (96 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Hodge Bank & Trust Company is a community-scale institution -- 92nd 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
$7M
Interest Income
$351K
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. Hodge Bank & Trust Company reports a Texas Ratio of 10.67% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
10.67% - 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) Hodge Bank & Trust Company (FDIC Cert #19354) - 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 Hodge Bank & Trust Company's health grade?▼
Hodge Bank & Trust Company receives a health grade of A (96/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Hodge Bank & Trust Company?▼
Hodge Bank & Trust Company holds $117M in total assets and $98M in deposits, ranking 3,611th of 4,313 FDIC-insured banks by asset size. It is headquartered in Hodge, Louisiana.
Is my money safe at Hodge Bank & Trust Company?▼
Yes, deposits at Hodge Bank & Trust Company (Certificate #19354) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Hodge Bank & Trust Company's Tier 1 Capital Ratio?▼
Hodge Bank & Trust Company has a Tier 1 Capital Ratio of 15.66%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Hodge Bank & Trust Company?▼
Hodge Bank & Trust Company has a Texas Ratio of 10.67%. 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 Hodge Bank & Trust Company?▼
Hodge Bank & Trust Company has an Efficiency Ratio of 47.41%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Hodge Bank & Trust Company's profile as a depositor or analyst.
- Hodge Bank & Trust Company's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Hodge Bank & Trust Company 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.