FDIC Cert #16539 · Metairie, Louisiana · Est. 1947

Metairie Bank & Trust Company - FDIC Bank Health Profile

A community-scale look at Metairie Bank & Trust Company's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$652M
Total assets
B
Health grade · Good
1.17%
Return on assets
11.3%
Tier 1 capital

Data updated July 2026

The verdict

Metairie Bank & Trust Company earns a PlainBankData health grade of B (76/100), with well-capitalized at 11.26% Tier 1, profitable at 1.17% ROA, 65% efficiency ratio.

#1,462
largest of 4,313 FDIC banks by assets
66th
percentile by asset size, nationally
11.26%
Tier 1 ratio - above the 10% well-capitalized line
55th
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 16539 · LA B · 76/100

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

  • GRADE-B B (76/100)
  • MID-PACK #2456/4307
  • PHOTO-FINISH Northeast Bank · MN
  • TIER1-WELL 11.3% Tier 1
  • TEXAS-CLEAN 2.4% Texas
  • ROA-PAR 1.17% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Louisiana: Northeast Bank, MN (±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 Metairie Bank & Trust Company

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

Morgan Stanley Bank,… · UT ·…100/100Itasca Bank & Trust… · IL · …76/100Metairie Bank & Trus… · LA ·…76/100Northeast Bank · MN · near76/100The Citizens Bank · AL · near76/100The Peoples Bank · GA · near76/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Metairie Bank & Trust Company · July 2026

What Metairie Bank & Trust Company's Call Report plate shows

Metairie Bank & Trust Company (FDIC Cert #16539) carries a PlainBankData health grade of B at 76/100, 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 #2,456 of 4,307. Tier 1 capital prints at 11.26%, clearing the 10% well-capitalized line. The Texas Ratio is 2.37%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.17%. Balance-sheet scale is $652M, 1,462nd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Northeast Bank (MN), 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 Metairie Bank & Trust Company

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

Metairie Bank & Trust Company'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; Metairie Bank & Trust Company 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 Metairie Bank & Trust Company's 76/100 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 avg77/10076/100
Metairie Bank & Trust Company's composite health score
Tier 1 Capital Ratio (11.26%) 28/40
Return on Assets (ROA) (1.17%) 20/25
Texas Ratio (2.37%) 20/20
Efficiency Ratio (64.96%) 8/15

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

Balance sheet at a glance

Total Assets

$652M

Total balance-sheet footings

Total Deposits

$577M

Customer-funded liabilities

Net Loans

$492M

Outstanding loan book

Net Income

$7M

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.) 9.86% 11.26% 12.66%
Basel III capital ratios - Metairie Bank & Trust Company

Where Metairie Bank & Trust Company ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Metairie Bank & Trust Company's score of 76/100 falls in the highlighted band.

Metairie Bank & Trust Company: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

76 43rd percentile higher than 43% 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. Metairie Bank & Trust Company 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

Metairie 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). Metairie Bank & Trust Company's $652M falls in the highlighted band.

Safety ratios for Metairie Bank & Trust Company

Tier 1 capital ratio
Well-capitalized 10%

11.26% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
11.26%
Texas Ratio
2.37%
Equity Capital
$69M

What these ratios mean →

Earnings posture at Metairie Bank & Trust Company

Return on Assets (ROA)
55th percentile nationally
1.17%
Return on Equity (ROE)
11.44%
Efficiency Ratio
64.96%

What these mean →

Income & expense at Metairie Bank & Trust Company

$32M
Interest Income
$3M
Non-Interest Income
$18M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Metairie Bank & Trust Company reports a Texas Ratio of 2.37% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

2.37% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Metairie Bank & Trust Company 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 ($652M here), outside Louisiana so the neighborhood is not state containment.

Northeast Georgia Bank $652M · GA Florida Capital Bank $652M · FL The Bank of Southside Virginia $651M · VA Geddes Federal Savings and Loan Assoc… $652M · NY

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Metairie Bank & Trust Company (FDIC Cert #16539) - 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.

Metairie Bank & Trust Company 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%