Total Assets
$229M
Total balance-sheet footings
FDIC Cert #19800 · Plaquemine, Louisiana · Est. 1968
Plaquemine Bank & Trust Company - FDIC Bank Health Profile
A community-scale look at Plaquemine Bank & Trust Company's own numbers, pulled straight from its quarterly FDIC Call Report.
- $229M
- Total assets
- B
- Health grade · Good
- 0.74%
- Return on assets
- 24.7%
- Tier 1 capital
Data updated July 2026
The verdict
Plaquemine Bank & Trust Company earns a PlainBankData health grade of B (78/100), with well-capitalized at 24.75% Tier 1, 0.74% ROA, 72% efficiency ratio.
- #2,856
- largest of 4,313 FDIC banks by assets
- 34th
- percentile by asset size, nationally
- 24.75%
- Tier 1 ratio - above the 10% well-capitalized line
- 27th
- 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.
How Plaquemine Bank & Trust Company's 78/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Plaquemine Bank & Trust Company's composite health score
Tier 1 Capital Ratio (24.75%) 40/40
Return on Assets (ROA) (0.74%) 14/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (72.23%) 4/15
78 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$202M
Customer-funded liabilities
Net Loans
$94M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Plaquemine Bank & Trust Company ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Plaquemine Bank & Trust Company's score of 78/100 falls in the highlighted band.
Plaquemine 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). Plaquemine Bank & Trust Company's $229M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
24.75% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
24.75%
Texas Ratio
0.00%
Equity Capital
$25M
Profitability metrics
Return on Assets (ROA)
27th percentile nationally
0.74%
Return on Equity (ROE)
6.76%
Efficiency Ratio
72.23%
What the numbers say about Plaquemine Bank & Trust Company
Plaquemine Bank & Trust Company is an FDIC-insured institution (Certificate #19800) headquartered in Plaquemine, Louisiana, established in 1968. It holds $229M in total assets - 2,856th of 4,313 FDIC-insured banks, $202M in customer deposits, and $94M in net loans. Capital-wise, the Tier 1 ratio sits at 24.75%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 0.00%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of B (78 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Plaquemine Bank & Trust Company sits 73rd of 106 banks headquartered in Louisiana by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$11M
Interest Income
$438K
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. Plaquemine Bank & Trust Company reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.00% - 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) Plaquemine Bank & Trust Company (FDIC Cert #19800) - 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 Plaquemine Bank & Trust Company's health grade?▼
Plaquemine Bank & Trust Company receives a health grade of B (78/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Plaquemine Bank & Trust Company?▼
Plaquemine Bank & Trust Company holds $229M in total assets and $202M in deposits, ranking 2,856th of 4,313 FDIC-insured banks by asset size. It is headquartered in Plaquemine, Louisiana.
Is my money safe at Plaquemine Bank & Trust Company?▼
Yes, deposits at Plaquemine Bank & Trust Company (Certificate #19800) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Plaquemine Bank & Trust Company's Tier 1 Capital Ratio?▼
Plaquemine Bank & Trust Company has a Tier 1 Capital Ratio of 24.75%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Plaquemine Bank & Trust Company?▼
Plaquemine Bank & Trust Company has a Texas Ratio of 0.00%. 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 Plaquemine Bank & Trust Company?▼
Plaquemine Bank & Trust Company has an Efficiency Ratio of 72.23%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Plaquemine Bank & Trust Company's profile as a depositor or analyst.
- Plaquemine Bank & Trust Company's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Plaquemine 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.