# LOUISIANA NATIONAL BANK
RUSTON, LA · FDIC certificate 15059 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (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 | $474.0M | |
| Deposits | $413.7M | |
| Loans and leases | $419.4M | |
| Total equity | $49.1M | |
| Loans / deposits | 100.28% (p89 of band) | 82.04% |
| Liquid assets / assets | 4.88% (p0 of band) | |
| Uninsured deposits / deposits | 27.76% (p58 of band) | 25.97% |
| Brokered deposits | 4.65% | |
| Wholesale funding | 5.07% (p58 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.49% (p45 of band) | 10.81% |
| Unrealized securities loss / equity | -0.42% (p92 of band) | -8.10% |
| AOCI / equity | -0.37% (p49 of band) | |
| ROA (annualized) | 1.87% (p83 of band) | 1.28% |
| Net interest margin | 6.14% (p99 of band) | 3.91% |
| Efficiency ratio | 58.19% (p40 of band) | |
| Noncurrent loans | 1.41% (p82 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p52 of band) | |
| Reserve coverage of noncurrent | 75.72% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 131.10% (p95 of band) | |
| Auto loans | $439,000 (0.10% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 4.2% | |
| Employees | 75 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **liquid assets <10%** (`liq_thin`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

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

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

- 2026-04-16 [Woodard, Jr. appointed new board member for Louisiana National Bank - Lincoln Parish Journal](https://news.google.com/rss/articles/CBMirwFBVV95cUxNTE1DWlJNTGpJZnAxYmpMX211bWh6YVJUZDVPbC1SeWpvNzROM0lLVXQxUzZoUnd4dks5QXRYdUJiLXM5Qi1YN2hyQXc1RjZHX3FMUFlsSDB5Mk0yeGlNdV8tTGJROHI3aE9HdC0tNG13ZXZxUi1CbHZzN21KZEZxSW4xWVhSTXVaU0ZtUzhTSUhrMlRrZEpNQ002UHN5SW4ydW9xY05HTWFNb2ExYlo4?oc=5) · Lincoln Parish Journal
- 2024-04-23 [Two NELA men convicted for conspiring to commit bank fraud; over $3 million lost - KNOE](https://news.google.com/rss/articles/CBMipwFBVV95cUxQQjI3ZFhFVFE0R0s3TWJkbDczcVNMYnppSXB6Uk84TXIzQXNlWlU0TmJkbTVsMEE1MGtzOXVTLU1KNjhWVFlBZWY4VmJZcF9EUWxlcG51SlVkMTJ4ZmZsMk1wbjZpbUoycXl2RTVfWDVHcU45R0lsWDh5OFZPTXk1blhYM1dxdi1WRnBBRFBMM2xBNEdISlA2VXdLMjdnUVRlYUNuS1NEcw?oc=5) · KNOE
- 2024-11-03 [Harlan Brooks McElveen Obituary Nov 3, 2024 - ottandlee.com](https://news.google.com/rss/articles/CBMiYkFVX3lxTE1fMWhmbUxjaUp3YlZaQ19MNkNXR0pZQ01DY3F4UjlwXzVKZDFUdldrd3ZFNFFXZml2d3pQOUx3Sng0YnVMNGM1Q2I2TFhMVHJ2dmRHRnF0U0hvQ21vUFlHQlp3?oc=5) · ottandlee.com
- 2021-03-05 [First National Bank Expanding into Baton Rouge, Announces Upcoming Name Change to Louisiana National Bank - Lincoln Parish Journal](https://news.google.com/rss/articles/CBMi4wFBVV95cUxQeEJwS3hYQ1ZNSWlmMlVSSDdvX2plNjJQRl8wRmltZXJhcEhEb09uYlhmSXl4bllQMTUzVEd4b2JST1EtRTgtQ2o1STEwZU9DWHBXRGNfcmt1cVJ5WnVRdXFZb3pGRW8yajRMNjUwR1ZTSUFWdlpQNEVKcEdqS2NNbFp6cC1pWUY5U3cya2NpcTBjSjgxaWxvZEFCYW83ckVYemZpb0RPT0pnMEF5QUJXazFkOVdrT1c2ejMwTVVramFLSDNGVzl5T3dmNHMwTW1CalVoMGVTR1h2V0pidW5ubURzTQ?oc=5) · Lincoln Parish Journal
- 2022-07-20 [Lou Harris Obituary - Baton Rouge, LA - Dignity Memorial](https://news.google.com/rss/articles/CBMigwFBVV95cUxPOGFiWjVYcDBHbVV0XzdBSlYtQnFLN3RSdHI5YlF2ZEV5ZUhKcWF6VW4zM2ZCZUFrdGJkYVF4SnNJMXpOSHBsRUpIb1lxWVlNU3EwQkpNajNTM0kxUmNza0xSRFRXb2djY2JJN1U4RHhpbHVoVzFWSlhmeUpZVEx4RHdCNA?oc=5) · Dignity Memorial
- 1985-01-11 [Louisiana's largest banking company has been created as Louisiana... - upi.com](https://news.google.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?oc=5) · upi.com
- 2021-10-09 [Charles McCoy Obituary (2007) - Baton Rouge, LA - The Advocate - Legacy obituary](https://news.google.com/rss/articles/CBMikAFBVV95cUxNNmFrb2FnaURpR3dSV0hRS1RYTnV5SlExSVBFU2ZUZENRQWxnUDFsYW1Pa0l6dW85dUVpUURjVmNFeUoxWkI5MWRtX3lUMjgxMzdkcl9ONzJRV0ZHMmJfQ01KWndFQzRmcThrMHU1YjNEdW9Wc2xLYjA0dWI1b1dzVzk0b1JXUlpjemJRT0M5eGE?oc=5) · Legacy obituary
- 2022-07-18 [Louisiana National Bank welcomes new board member - Lincoln Parish Journal](https://news.google.com/rss/articles/CBMimgFBVV95cUxPc1ZSSEFvdkx6YU9YR3FuTU93WUI4SW5wa3hZWFBfeHpYM1FTNXJ6TkkyalVoMWpUTzdEMTZZSjQ0WGllTFdZNThvQjdQWmdKcHp5OTFuS0RSMWF3UGlRRlJuY3ZVZC1pRnAtM0dSWUJFNHhwLXBCMWVhMUctS1B1SUVid1RBek9OeFBiQjAtaE9LRlduV05EVXRR?oc=5) · Lincoln Parish Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15059 (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/19.json (key "15059", 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