# BOM BANK
NATCHITOCHES, LA · FDIC certificate 1373 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 5 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.61B | |
| Deposits | $1.38B | |
| Loans and leases | $1.21B | |
| Total equity | $167.0M | |
| Loans / deposits | 86.64% (p49 of band) | 87.10% |
| Liquid assets / assets | 17.63% (p35 of band) | |
| Uninsured deposits / deposits | 52.39% (p92 of band) | 30.76% |
| Brokered deposits | 15.08% | |
| Wholesale funding | 18.19% (p86 of band) | |
| FHLB advances / assets | 3.11% | |
| Tier 1 leverage | 10.64% (p53 of band) | 10.50% |
| Unrealized securities loss / equity | -1.05% (p88 of band) | -7.75% |
| AOCI / equity | -0.10% (p66 of band) | |
| ROA (annualized) | 1.00% (p31 of band) | 1.26% |
| Net interest margin | 4.05% (p71 of band) | 3.70% |
| Efficiency ratio | 68.54% (p76 of band) | |
| Noncurrent loans | 0.86% (p69 of band) | 0.51% |
| Net charge-offs (annualized) | 0.15% (p81 of band) | |
| Reserve coverage of noncurrent | 88.78% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 69.05% (p71 of band) | |
| Auto loans | $1.1M (0.09% of loans; DQ 6.37%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 18.2% | |
| Employees | 239 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **run vulnerability** (`liq_runrisk`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | capital falling |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 1 | reserve under noncurrent |  |
| 2014-12 | 2 | uninsured deposits leaving |  |
| 2015-03 | 2 | charge-offs p90 | uninsured deposits leaving |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 1 |  | charge-offs p90 |
| 2016-06 | 1 |  |  |
| 2016-09 | 0 |  | reserve under noncurrent |
| 2016-12 | 3 | capital falling, charge-offs p90, reserve under noncurrent |  |
| 2017-03 | 1 |  | charge-offs p90, reserve under noncurrent |
| 2017-06 | 1 |  |  |
| 2017-09 | 3 | liquid assets <10%, reserve under noncurrent |  |
| 2017-12 | 2 |  | liquid assets <10% |
| 2018-03 | 3 | charge-offs p90 |  |
| 2018-06 | 1 |  | capital falling, charge-offs p90 |
| 2018-09 | 1 |  |  |
| 2018-12 | 3 | liquid assets <10%, capital falling, construction >100% equity | reserve under noncurrent |
| 2019-03 | 3 | reserve under noncurrent | capital falling |
| 2019-06 | 2 |  | construction >100% equity |
| 2019-09 | 0 |  | liquid assets <10%, reserve under noncurrent |
| 2019-12 | 1 | reserve under noncurrent |  |
| 2020-03 | 2 | charge-offs p90 |  |
| 2020-06 | 3 | loans exceed deposits, liquid assets <10% | reserve under noncurrent |
| 2020-09 | 3 |  |  |
| 2020-12 | 1 |  | loans exceed deposits, liquid assets <10% |
| 2021-03 | 2 | liquid assets <10%, reserve under noncurrent | charge-offs p90 |
| 2021-06 | 2 | loans exceed deposits | reserve under noncurrent |
| 2021-09 | 2 | construction >100% equity | loans exceed deposits |
| 2021-12 | 2 | capital falling, reserve under noncurrent | liquid assets <10%, construction >100% equity |
| 2022-03 | 1 | charge-offs p90 | capital falling, reserve under noncurrent |
| 2022-06 | 1 |  |  |
| 2022-09 | 2 | reserve under noncurrent |  |
| 2022-12 | 2 | capital falling | reserve under noncurrent |
| 2023-03 | 2 | brokered >10% | capital falling |
| 2023-06 | 3 | wholesale funding >15%, uninsured deposits leaving | charge-offs p90 |
| 2023-09 | 3 | capital falling | wholesale funding >15% |
| 2023-12 | 3 |  |  |
| 2024-03 | 4 | charge-offs p90 |  |
| 2024-06 | 5 | wholesale funding >15%, reserve under noncurrent | uninsured deposits leaving |
| 2024-09 | 5 | uninsured deposits leaving | capital falling |
| 2024-12 | 3 | uninsured deposits >50% | charge-offs p90, wholesale funding >15%, uninsured deposits leaving |
| 2025-03 | 6 | wholesale funding >15%, run vulnerability, noncurrent p90 |  |
| 2025-06 | 5 |  | noncurrent p90 |
| 2025-09 | 6 | charge-offs p90 |  |
| 2025-12 | 6 | capital falling | charge-offs p90 |
| 2026-03 | 5 |  | capital falling |
| 2026-06 | 5 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-09 [Eighty-eight rising bank leaders advance knowledge at Louisiana Tech's School of Banking - Louisiana Tech University](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQdnN2TEdIRENHV2NHZnNXSnFFMmQ0b1ZfM0cwSzNrdHZLeWkyZGJsd1dsaENMclUxdzNZX1F4UzRRVHZWR2wwYVY2TklEZmZ3NV94X3RmWHBIVWFZSlBuSEtaaHBheDZsUVNsOExfa000X1ppTU05TXIyeWk0WjB6S1dWWXJQNVpMTHRMSjRubEpTME5NOEdia0FnVEZ4cWdrSzlRTmMtQnVUVHZHcmNEd0lYQUFYczFLWk04?oc=5) · Louisiana Tech University
- 2026-09-02 [BOM Bank is proud to support the Food Bank of Northwest Louisiana - Shreveport-Bossier Journal](https://news.google.com/rss/articles/CBMitAFBVV95cUxPc1BmNWhwQ1NFekh0cGx6X19RaWhiU1VCM2FNZ1E3WXlfUGh0Z1ZYcHZFazgySlVHUkNWNVk5b2pJREdfcXdMd3pscjd2VlgxMXZnSUJFMTZfQmpQVVdaelpTMnFMUV9vYzVzbzlkT3ZLVWw0MGFZdFEzUmQyc204NWpRam82MTFWd1RrT1FUdXVnbVhNMUFBUmp5X015RGozTUlSU1h4eWVBMncwRWVMZW9NZjE?oc=5) · Shreveport-Bossier Journal
- 2026-09-02 [BOM Bank is honored to serve as a proud sponsor of the Coastal Conservation Association - Rapides Parish Journal](https://news.google.com/rss/articles/CBMizAFBVV95cUxPMjRhcXF5ekpmLTZ6aEJjZ3JqU0lYcFVTMlB2VHI1akdVNUl3aHU3Mnh6aWk0aVplM3UzMEh2b1Q4MU9iUnpRV19sTlJPVURRSUV3cWtfWWd1aWRYTUJFaWF1SWxqQUVSZXRJbHJuM003OHRqR1I0TTBLSzI2WllkS1lobXBFMlpoam5sd0ZHNTVtT09XVDFnMVlUWWVPaC12WkpYVlZZLVA2ZTRGWDZhc042dm9HRmQzU0szNVgyVDNPWk9ZMUJ1ZkE1eTY?oc=5) · Rapides Parish Journal
- 2026-03-03 [BOM Bank surpasses $1-billion in assets, expands to Natchitoches - KTALnews.com](https://news.google.com/rss/articles/CBMifkFVX3lxTE1MN2p3dV9yelpQRS1KUFZEN3ozRnFoLXZjS2Y1WVMyb2lZN1BlWnlwYXNUT3pKa3NWZGsxY1dmaTFpYVAtMXRhaW9ONGpUbmNNMk5IME42bDFjdm1WTVIwRmtHLVdHY2phWW5FdExmYUx0UmJLYlRaTmNmUHhtZ9IBgwFBVV95cUxQaXFOcUxLQjB6QkVVSGlXdk1NY2ZTaHpUbjhVa0dPY3Z5TXpkN2FSTXpvaU1LVXM0NjBaTjJIR01OV296blFzNHc2anB5aEV1X3RWMnRaNDZfVGhEakdReUlJRHJYWHZIZ0RsNG04SFE1YWVKNFFwV0JPTEFwd2xWeG1TNA?oc=5) · KTALnews.com
- 2026-01-08 [Best Certificates of Deposit Rates in Louisiana for 2026 - MoneyRates](https://news.google.com/rss/articles/CBMiaEFVX3lxTE1Idkd3aUNMNFRmdzItSUI5ZEdWMEVxZUFSTHdzY0oyZnYtamhWM2UxQWs0enY3Wl9CeHFMZml0bU9sSkVJX3R5OWlrUkxPRE1CRTlod3NXUFo2UTJ3Q0I5QWNFU3pSQ1Fz?oc=5) · MoneyRates
- 2026-08-12 [BOM Bank is proud to sponsor the 11U Louisiana Hitmen baseball team - Shreveport-Bossier Journal](https://news.google.com/rss/articles/CBMitwFBVV95cUxQMG9aeFVLVXpqaEdySnJyXzk2UE1LbDU3bUo0d3RERzNXc0NSc1p3aldqUFR0Z2FjRDNweC1jMXJLNld5RnlfWUpBMVFfcVVXMHBLaDRWUGU5VkZqdmVreXFPc1NmdWFhNkZ1RlZiR1Jxa0JIbnhlcFNmbTBlZWZuLWMxbTlvblN0Tld4MWdHTjZNVW1qMlVSQ05Ed3lPLWs4b25xQV9MS1R6d3JuV0ExMWFIZmFhYzQ?oc=5) · Shreveport-Bossier Journal
- 2026-05-15 [From the Desk of Ken Hale, CEO, BOM Bank - Rapides Parish Journal](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPUVJGd2ZOVDhXTTJ2YXVHYVctX2EyNi0ta00zQkd5ZjdzS01fUWJSSkVYUkNva1dpdkJWUnd2ck5BT2pkNTRnYkppN01uOWpibFNLajhXUkdIak5kNTY0bUprYnNTZkFHbW9WUjdKeWZGOEIzTmdNUGxkaUNneDFqRHlrUmZtUmptYjMw?oc=5) · Rapides Parish Journal
- 2025-05-16 [BOM Bank: Trusted community bank serving Louisiana, Texas since 1903 - Community Impact](https://news.google.com/rss/articles/CBMiygFBVV95cUxPNng2VmdJcGszMnBZOGMxNEh3TmR5eXdFNi01YTVJMkl2MHlrSzB4bDJGbE1CQXhMU3VSNXJ1X05PcklzME14QVlRLUJQYmp0dFNaV2RMQm9FWnZXT19iWTJFS0Fhc1dMQkdSc3dyOTMwVldmUzVNWHVZNmN5X3hoN1JjdGZVMXNSYjNNUW5LUjFjMTY4VHJ5TWFnNDAzMXZPUlFyclM1WGF3MDNqU3lhOHR3NEpEYVRoTkV1Uy00OVpoTW9iYmJqSm1n?oc=5) · Community Impact

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1373 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/29.json (key "1373", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide