# BASILE STATE BANK
BASILE, LA · FDIC certificate 17621 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (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 | $87.4M | |
| Deposits | $78.0M | |
| Loans and leases | $71.2M | |
| Total equity | $8.8M | |
| Loans / deposits | 90.36% (p80 of band) | 73.59% |
| Liquid assets / assets | 12.67% (p7 of band) | |
| Uninsured deposits / deposits | 15.36% (p33 of band) | 19.81% |
| Brokered deposits | 0.28% | |
| Wholesale funding | 0.28% (p49 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.09% (p26 of band) | 11.76% |
| Unrealized securities loss / equity | -0.01% (p92 of band) | -6.57% |
| AOCI / equity | 0.01% (p85 of band) | |
| ROA (annualized) | 1.74% (p78 of band) | 1.17% |
| Net interest margin | 6.08% (p99 of band) | 3.93% |
| Efficiency ratio | 68.41% (p57 of band) | |
| Noncurrent loans | 2.20% (p87 of band) | 0.36% |
| Net charge-offs (annualized) | 0.10% (p87 of band) | |
| Reserve coverage of noncurrent | 46.37% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 49.01% (p79 of band) | |
| Auto loans | $1.2M (1.65% of loans; DQ 7.08%, NCO 0.05%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 6.6% | |
| Employees | 22 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **reserve under noncurrent** (`aq_reserve`)

## 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 | 1 |  |  |
| 2012-06 | 0 |  | reserve under noncurrent |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | reserve under noncurrent |  |
| 2013-03 | 0 |  | reserve under noncurrent |
| 2013-06 | 1 | reserve under noncurrent |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 0 |  | reserve under noncurrent |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | uninsured deposits leaving |  |
| 2015-03 | 0 |  | uninsured deposits leaving |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | reserve under noncurrent |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 2 | charge-offs p90 |  |
| 2016-06 | 4 | noncurrent p90, uninsured deposits leaving |  |
| 2016-09 | 3 |  | uninsured deposits leaving |
| 2016-12 | 2 |  | charge-offs p90 |
| 2017-03 | 3 | uninsured deposits leaving |  |
| 2017-06 | 2 |  | uninsured deposits leaving |
| 2017-09 | 1 |  | noncurrent p90 |
| 2017-12 | 4 | charge-offs p90, deposits shrinking, uninsured deposits leaving |  |
| 2018-03 | 1 |  | charge-offs p90, deposits shrinking, uninsured deposits leaving |
| 2018-06 | 0 |  | reserve under noncurrent |
| 2018-09 | 2 | capital falling, reserve under noncurrent |  |
| 2018-12 | 1 |  | capital falling |
| 2019-03 | 3 | noncurrent p90, charge-offs p90 |  |
| 2019-06 | 2 |  | charge-offs p90 |
| 2019-09 | 1 |  | noncurrent p90 |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | capital falling |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 0 |  | reserve under noncurrent, capital falling |
| 2021-12 | 2 | reserve under noncurrent, uninsured deposits leaving |  |
| 2022-03 | 4 | noncurrent p90, charge-offs p90 |  |
| 2022-06 | 5 | deposits shrinking, assets shrinking | charge-offs p90 |
| 2022-09 | 3 | charge-offs p90 | uninsured deposits leaving, deposits shrinking, assets shrinking |
| 2022-12 | 3 |  |  |
| 2023-03 | 1 |  | noncurrent p90, charge-offs p90 |
| 2023-06 | 2 | capital falling |  |
| 2023-09 | 1 |  | capital falling |
| 2023-12 | 2 | noncurrent p90 |  |
| 2024-03 | 3 | capital falling |  |
| 2024-06 | 4 | liquid assets <10% |  |
| 2024-09 | 2 | charge-offs p90 | noncurrent p90, capital falling, liquid assets <10% |
| 2024-12 | 2 | noncurrent p90 | charge-offs p90 |
| 2025-03 | 2 |  |  |
| 2025-06 | 1 |  | noncurrent p90 |
| 2025-09 | 2 | noncurrent p90 |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 3 | charge-offs p90 |  |
| 2026-06 | 2 | capital falling | noncurrent p90, charge-offs p90 |

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

- 2016-02-22 [Eunice Police release photos of “polite” bank robbery suspect - KLFY.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxNck85YW9USzZFRGI2MjJvaXYwaFp6azRXNUhaVlJ4Q29ybG1LZFBITTh3d0paaERiR3BYQUEyY1lFazRqeDFVZzc0am1hYk1hdFpTSlhpdXRKcC11NVJvUzBRS0J3LXhMTlY0czRFXzZEdXRXT0NUVk0zdnppdnpnMjVHaGZ4RzBIclF6WlJBQdIBlAFBVV95cUxOTC1UajBqbTdIRXVxQnhsZ2xBa1F6bHBEY21zc0NHcVZOaXpFMmVYWGM5dDJpYjZ5Y3o5QUt0dlhRZ1poRWZTLXdlZlBENnFiLXFITW9ZSDg2QXJMRkJFTGlmZGdZeGgzRVBvaWVQRHE0d1lMTEN6aVZjeDNaMWI0V2NrWlpjUkpJS21hNC1hUDFqMkwy?oc=5) · KLFY.com
- 2024-10-30 [Eunice political, civic, business leader “Jack” Burson dies - Eunice News](https://news.google.com/rss/articles/CBMikwFBVV95cUxQWkNaR3Axc2ZnN1BNVUVBeWNWUXZQcjJtdEVSTWhGelNuLVNRVVhOeU4yeDM4c2s5OWR4aUJzNFdGaWZxaE9WVjRVZzc3X1FDWDJldGZkakRhaG1Tc3JvbllRLS04QzdfT0haTVFkdXNxWTZHZG1nRnVLdkFaNnp3dWFWVGVDSThDWHByd2lQT0dyYnM?oc=5) · Eunice News
- 2022-10-17 [Fall Into Downtown – Eunice, LA - St. Landry Now Online Newspaper](https://news.google.com/rss/articles/CBMidkFVX3lxTE9fY1hOaTBMZE9OeTRqNEUyMDQ5LU1qSG9yZ0tzNU44bm00Q2Y5bVJoM2J5OW90S1VnZDk4VEZUSzB1bllHMkdHM1VLNmhFTFhWdmIwU3N4V1UtT2RsUjkxVy1XZXVveXJvamZnazdhd25LOE1XX3c?oc=5) · St. Landry Now Online Newspaper
- 2026-08-25 [John Winston Johnson Obituary (2026) - Eunice, LA - Ardoin's Funeral Homes - Eunice - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxPTU43elNCelhXb3FmVVBfR2lDWUFRQTk0UTZQNzNMLWxCYUtjT2oyODZhMzNOZ2l4TkdEOERwaWhXTXRxdVMxeUgwa0ZJb0lSY0xtaWdaZlpWY21VbnRBSEZ0Sl84YkpTU3phY0hDbHg2dE0xMGNKUXVDSjlLMFI5LQ?oc=5) · legacy.com
- 2022-05-07 [Della Fontenot Obituary (2022) - Eunice, LA - Ardoin's Funeral Homes - Basile - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxOOHh1cExmY2NvMzVVLVFHaGFQVFliekxoTjJHM09aQV9hUFlVYVRtY3A5d3piQVdlNlIyTE02WXBzYmlab2dFUjVzVDdOTGExM2YwQnRyc19xekZ2TVhSMHB0a0l6WFlOc2w0b2pKY2drNzR4eUVXeDVhQmNqR20xVU4xNA?oc=5) · legacy.com
- 2026-05-20 [St. Edmund graduates 33 seniors - Eunice News](https://news.google.com/rss/articles/CBMickFVX3lxTFBFX0NxME1BQ3k1bU41NTYxVThyWjJ1dUVSMk81YURqelZtc0lhTkhfSVlocGptb3Ryb3JRUzJLazJEbW5ORU0yX2hHZTZRVGFIb1c2WXBDSmNwUTFhUE4wdU5KUW05S1NkakhfbDZtVVFSdw?oc=5) · Eunice News
- 2022-06-16 [Helen Johnson Obituary (2022) - Eunice, LA - Ardoin's Funeral Homes - Basile - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxOdVlfVmtOdEZ5M0xORXpla2Z3Y3Y0TXRuQ1BPdE9WVWNEUGRLZ3BweTVrSWVTdktBM0tTRFljaWdJbkNqMG4zSmdJQV93dHUxMkpRQVZ1U1FGb1NOMWtHY0xNTVdHSHFZUWx4Y0kzemtZUUFJc0RuZ25mYlQ5Y3Z3T3BB?oc=5) · legacy.com
- 2024-10-29 [Isaac Burson Jr. Obituary (1939 - 2024) - Eunice, LA - The Acadiana Advocate - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxOempNYVJORm1ERWZnMm8xU2J6YUJITE1McFNSckgxdTh4dVM0X1prdmFrNHdpeFFtbTFHc2pmRG5xQ21hVlJJVFE0b3g3NFBwcE5ielBCOU1sTDFBNkYxcWRsUk9adjRscTh6bGFfbjhkVGVmd2ZSeUluVDFPVnVsQUo4bTB4aUlrcHlTUjljdHU?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17621 (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/21.json (key "17621", 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