Total Assets
$37M
Total balance-sheet footings
FDIC Cert #27716 · Metairie, Louisiana · Est. 1910
Mutual Savings and Loan Association - 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.
- $37M
- Total assets
- C
- Health grade · Fair
- -0.41%
- Return on assets
- 97.6%
- Tier 1 capital
Data updated July 2026
The verdict
Mutual Savings and Loan Association earns a PlainBankData health grade of C (60/100), with well-capitalized at 97.62% Tier 1, -0.41% ROA, 113% efficiency ratio.
- #4,203
- largest of 4,313 FDIC banks by assets
- 2nd
- percentile by asset size, nationally
- 97.62%
- 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 27716 · LA C · 60/100
GRADE-C · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-LOSS · SIZE-COMMUNITY · BOOK-FULL
- GRADE-C C (60/100)
- LOWER-Q #3843/4307
- PHOTO-FINISH Salem Co-operative B… · NH
- TIER1-WELL 97.6% Tier 1
- TEXAS-CLEAN 0.8% Texas
- ROA-LOSS -0.41% ROA
- SIZE-COMMUNITY <$100M
- BOOK-FULL 9/9 fields
Nearest health peer outside Louisiana: Salem Co-operative Bank, NH (±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 Mutual Savings and Loan Association
Lowest and highest poles plus nearest scored peers outside Louisiana, not a full FDIC corpus board reprint.
What Mutual Savings and Loan Association's Call Report plate shows
Mutual Savings and Loan Association (FDIC Cert #27716) carries a PlainBankData health grade of C at 60/100, 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 #3,843 of 4,307. Tier 1 capital prints at 97.62%, clearing the 10% well-capitalized line. The Texas Ratio is 0.77%, inside the sub-50% band analysts treat as healthy. Return on assets is -0.41%. Balance-sheet scale is $37M, 4,203rd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Salem Co-operative Bank (NH), 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 Mutual Savings and Loan Association
4 FAILURE resolutions in Louisiana since 2000 (3 since 2008)
Mutual Savings and Loan Association'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; Mutual Savings and Loan Association 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 Mutual Savings and Loan Association's 60/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Tier 1 Capital Ratio (97.62%) 40/40
Return on Assets (ROA) (-0.41%) 0/25
Texas Ratio (0.77%) 20/20
Efficiency Ratio (113.15%) 0/15
60 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$20M
Customer-funded liabilities
Net Loans
$31M
Outstanding loan book
Net Income
$-159K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Mutual Savings and Loan Association ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Mutual Savings and Loan Association's score of 60/100 falls in the highlighted band.
Mutual Savings and Loan Association: health score vs. every FDIC-insured bank
0-100 composite health score, FDIC Call Reports
60 11th percentile higher than 11% of 4,307 FDIC-insured banks
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
Mutual Savings and Loan Association'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). Mutual Savings and Loan Association's $37M falls in the highlighted band.
Safety ratios for Mutual Savings and Loan Association
Tier 1 capital ratio
Well-capitalized 10%
97.62% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
97.62%
Texas Ratio
0.77%
Equity Capital
$17M
Profitability metrics: Mutual Savings and Loan Association
Return on Assets (ROA)
3rd percentile nationally
-0.41%
Return on Equity (ROE)
-0.96%
Efficiency Ratio
113.15%
Income & expense: loss period at Mutual Savings and Loan Association
$2M
Interest Income
$34K
Non-Interest Income
$2M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Mutual Savings and Loan Association reports a Texas Ratio of 0.77% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.77% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at Mutual Savings and Loan Association
Mutual Savings and Loan Association's grade of C reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-159K 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 Mutual Savings and Loan Association 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.
Top banks in Louisiana by total assets
Nationwide banks with similar total assets
Nearest other-state banks with ≥$10M assets ($37M here), outside Louisiana so the neighborhood is not state containment.
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Mutual Savings and Loan Association (FDIC Cert #27716) - 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.
Mutual Savings and Loan Association 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 →| 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% |