Total Assets
$1.1B
Total balance-sheet footings
FDIC Cert #12611 · Ville Platte, Louisiana · Est. 1933
The Evangeline Bank and Trust Company - FDIC Bank Health Profile
A community-scale look at The Evangeline Bank and Trust Company's own numbers, pulled straight from its quarterly FDIC Call Report.
- $1.1B
- Total assets
- A
- Health grade · Excellent
- 1.55%
- Return on assets
- 13.4%
- Tier 1 capital
Data updated July 2026
The verdict
The Evangeline Bank and Trust Company earns a PlainBankData health grade of A (88/100), with well-capitalized at 13.42% Tier 1, profitable at 1.55% ROA, efficient (53% cost ratio).
- #947
- largest of 4,313 FDIC banks by assets
- 78th
- percentile by asset size, nationally
- 13.42%
- Tier 1 ratio - above the 10% well-capitalized line
- 76th
- 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 The Evangeline Bank and Trust Company's 88/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The Evangeline Bank and Trust Company's composite health score
Tier 1 Capital Ratio (13.42%) 35/40
Return on Assets (ROA) (1.55%) 25/25
Texas Ratio (6.84%) 16/20
Efficiency Ratio (53.05%) 12/15
88 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$900M
Customer-funded liabilities
Net Loans
$895M
Outstanding loan book
Net Income
$17M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The Evangeline Bank and Trust Company ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Evangeline Bank and Trust Company's score of 88/100 falls in the highlighted band.
The Evangeline Bank and 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). The Evangeline Bank and Trust Company's $1.1B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
13.42% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
13.42%
Texas Ratio
6.84%
Equity Capital
$150M
Profitability metrics
Return on Assets (ROA)
76th percentile nationally
1.55%
Return on Equity (ROE)
11.69%
Efficiency Ratio
53.05%
What the numbers say about The Evangeline Bank and Trust Company
The Evangeline Bank and Trust Company is an FDIC-insured institution (Certificate #12611) headquartered in Ville Platte, Louisiana, established in 1933. It holds $1.1B in total assets - 947th of 4,313 FDIC-insured banks, $900M in customer deposits, and $895M in net loans. Looking at capital strength, Tier 1 stands at 13.42%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 6.84%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (88/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Louisiana, The Evangeline Bank and Trust Company ranks 17th of 106 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$69M
Interest Income
$5M
Non-Interest Income
$26M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The Evangeline Bank and Trust Company reports a Texas Ratio of 6.84% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
6.84% - 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) The Evangeline Bank and Trust Company (FDIC Cert #12611) - 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 The Evangeline Bank and Trust Company's health grade?▼
The Evangeline Bank and Trust Company receives a health grade of A (88/100) 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 The Evangeline Bank and Trust Company?▼
The Evangeline Bank and Trust Company holds $1.1B in total assets and $900M in deposits, ranking 947th of 4,313 FDIC-insured banks by asset size. It is headquartered in Ville Platte, Louisiana.
Is my money safe at The Evangeline Bank and Trust Company?▼
Yes, deposits at The Evangeline Bank and Trust Company (Certificate #12611) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The Evangeline Bank and Trust Company's Tier 1 Capital Ratio?▼
The Evangeline Bank and Trust Company has a Tier 1 Capital Ratio of 13.42%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for The Evangeline Bank and Trust Company?▼
The Evangeline Bank and Trust Company has a Texas Ratio of 6.84%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is The Evangeline Bank and Trust Company?▼
The Evangeline Bank and Trust Company has an Efficiency Ratio of 53.05%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The Evangeline Bank and Trust Company's profile as a depositor or analyst.
- The Evangeline Bank and Trust Company's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The Evangeline Bank and 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.