Total Assets
$92M
Total balance-sheet footings
FDIC Cert #12722 · Sicily Island, Louisiana · Est. 1918
Sicily Island State Bank - FDIC Bank Health Profile
A community-scale look at Sicily Island State Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $92M
- Total assets
- A
- Health grade · Excellent
- 2.26%
- Return on assets
- 12.3%
- Tier 1 capital
Data updated July 2026
The verdict
Sicily Island State Bank earns a PlainBankData health grade of A (92/100), with well-capitalized at 12.34% Tier 1, profitable at 2.26% ROA, efficient (60% cost ratio).
- #3,802
- largest of 4,313 FDIC banks by assets
- 12th
- percentile by asset size, nationally
- 12.34%
- Tier 1 ratio - above the 10% well-capitalized line
- 94th
- 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 Sicily Island State Bank's 92/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Sicily Island State Bank's composite health score
Tier 1 Capital Ratio (12.34%) 35/40
Return on Assets (ROA) (2.26%) 25/25
Texas Ratio (0.85%) 20/20
Efficiency Ratio (59.65%) 12/15
92 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$71M
Customer-funded liabilities
Net Loans
$71M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Sicily Island State Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Sicily Island State Bank's score of 92/100 falls in the highlighted band.
Sicily Island State 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). Sicily Island State Bank's $92M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.34% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.34%
Texas Ratio
0.85%
Equity Capital
$11M
Profitability metrics
Return on Assets (ROA)
94th percentile nationally
2.26%
Return on Equity (ROE)
17.40%
Efficiency Ratio
59.65%
What the numbers say about Sicily Island State Bank
Sicily Island State Bank is an FDIC-insured institution (Certificate #12722) headquartered in Sicily Island, Louisiana, established in 1918. It holds $92M in total assets - 3,802nd of 4,313 FDIC-insured banks, $71M in customer deposits, and $71M in net loans. Capital-wise, the Tier 1 ratio sits at 12.34%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 0.85%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of A (92 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Sicily Island State Bank is a community-scale institution -- 96th 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
$6M
Interest Income
$584K
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. Sicily Island State Bank reports a Texas Ratio of 0.85% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.85% - 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) Sicily Island State Bank (FDIC Cert #12722) - 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 Sicily Island State Bank's health grade?▼
Sicily Island State Bank receives a health grade of A (92/100) 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 Sicily Island State Bank?▼
Sicily Island State Bank holds $92M in total assets and $71M in deposits, ranking 3,802nd of 4,313 FDIC-insured banks by asset size. It is headquartered in Sicily Island, Louisiana.
Is my money safe at Sicily Island State Bank?▼
Yes, deposits at Sicily Island State Bank (Certificate #12722) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Sicily Island State Bank's Tier 1 Capital Ratio?▼
Sicily Island State Bank has a Tier 1 Capital Ratio of 12.34%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Sicily Island State Bank?▼
Sicily Island State Bank has a Texas Ratio of 0.85%. 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 Sicily Island State Bank?▼
Sicily Island State Bank has an Efficiency Ratio of 59.65%. 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 Sicily Island State Bank's profile as a depositor or analyst.
- Sicily Island State Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Sicily Island State Bank 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.