# FELICIANA BANK&TRUST CO
CLINTON, LA · FDIC certificate 1380 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $180.4M | |
| Deposits | $146.1M | |
| Loans and leases | $136.6M | |
| Total equity | $18.8M | |
| Loans / deposits | 92.16% (p83 of band) | 73.59% |
| Liquid assets / assets | 19.72% (p21 of band) | |
| Uninsured deposits / deposits | 17.08% (p40 of band) | 19.81% |
| Brokered deposits | 0.11% | |
| Wholesale funding | 7.47% (p80 of band) | |
| FHLB advances / assets | 7.36% | |
| Tier 1 leverage | 11.81% (p51 of band) | 11.76% |
| Unrealized securities loss / equity | -13.09% (p33 of band) | -6.57% |
| AOCI / equity | 0.44% (p94 of band) | |
| ROA (annualized) | 1.54% (p70 of band) | 1.17% |
| Net interest margin | 4.49% (p76 of band) | 3.93% |
| Efficiency ratio | 64.17% (p46 of band) | |
| Noncurrent loans | 0.69% (p62 of band) | 0.36% |
| Net charge-offs (annualized) | 0.03% (p76 of band) | |
| Reserve coverage of noncurrent | 209.25% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 144.28% (p98 of band) | |
| Auto loans | $1.2M (0.85% of loans; DQ 7.76%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 3.5% | |
| Employees | 31 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 6 | capital falling, losing money, expense ratio p90, noncurrent p90, construction >100% equity |  |
| 2012-06 | 7 | charge-offs p90, assets shrinking | noncurrent p90 |
| 2012-09 | 6 | noncurrent p90, deposits shrinking | capital falling, expense ratio p90, charge-offs p90 |
| 2012-12 | 7 | expense ratio p90 |  |
| 2013-03 | 3 |  | losing money, construction >100% equity, noncurrent p90, expense ratio p90 |
| 2013-06 | 4 | construction >100% equity |  |
| 2013-09 | 3 |  | construction >100% equity |
| 2013-12 | 0 |  | reserve under noncurrent, assets shrinking, deposits shrinking |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | construction >100% equity |  |
| 2016-03 | 2 | charge-offs p90 |  |
| 2016-06 | 1 |  | charge-offs p90 |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | capital falling |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 1 |  | capital falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 2 | capital falling |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 0 |  | construction >100% equity, capital falling |
| 2019-03 | 1 | construction >100% equity |  |
| 2019-06 | 2 | deposits shrinking, assets shrinking | construction >100% equity |
| 2019-09 | 3 | construction >100% equity |  |
| 2019-12 | 2 |  | assets shrinking |
| 2020-03 | 3 | reserve under noncurrent |  |
| 2020-06 | 1 | capital falling | deposits shrinking, construction >100% equity, reserve under noncurrent |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | charge-offs p90 |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 0 |  | capital falling, charge-offs p90 |
| 2021-12 | 1 | construction >100% equity |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 2 | AOCI drag >20% of equity |  |
| 2022-09 | 4 | securities losses >30% of equity, assets shrinking |  |
| 2022-12 | 5 | charge-offs p90, deposits shrinking | securities losses >30% of equity |
| 2023-03 | 2 |  | AOCI drag >20% of equity, assets shrinking, charge-offs p90 |
| 2023-06 | 2 | capital falling | deposits shrinking |
| 2023-09 | 2 | securities losses >30% of equity | capital falling |
| 2023-12 | 1 |  | securities losses >30% of equity |
| 2024-03 | 2 | capital falling |  |
| 2024-06 | 1 | charge-offs p90 | construction >100% equity, capital falling |
| 2024-09 | 2 | reserve under noncurrent |  |
| 2024-12 | 0 |  | charge-offs p90, reserve under noncurrent |
| 2025-03 | 0 |  |  |
| 2025-06 | 1 | reserve under noncurrent |  |
| 2025-09 | 0 |  | reserve under noncurrent |
| 2025-12 | 3 | capital falling, construction >100% equity, uninsured deposits leaving |  |
| 2026-03 | 1 |  | capital falling, uninsured deposits leaving |
| 2026-06 | 1 |  |  |

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

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1380 (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/36.json (key "1380", 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