# BANK OF LOUISIANA
NEW ORLEANS, LA · FDIC certificate 17878 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (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 | $110.3M | |
| Deposits | $89.0M | |
| Loans and leases | $65.9M | |
| Total equity | $19.2M | |
| Loans / deposits | 72.07% (p47 of band) | 73.59% |
| Liquid assets / assets | 31.36% (p47 of band) | |
| Uninsured deposits / deposits | 15.70% (p34 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 17.77% (p87 of band) | 11.76% |
| Unrealized securities loss / equity | -0.11% (p89 of band) | -6.57% |
| AOCI / equity | -0.24% (p57 of band) | |
| ROA (annualized) | 16.12% (p99 of band) | 1.17% |
| Net interest margin | 5.18% (p93 of band) | 3.93% |
| Efficiency ratio | 20.11% (p1 of band) | |
| Noncurrent loans | 4.57% (p96 of band) | 0.36% |
| Net charge-offs (annualized) | 0.34% (p95 of band) | |
| Reserve coverage of noncurrent | 59.26% | |
| Real estate % of loans | 95% | |
| Construction % of loans | 60.35% (p84 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 3.3% | |
| Employees | 29 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 1 | reserve under noncurrent |  |
| 2011-12 | 2 | noncurrent p90 |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 4 | losing money, expense ratio p90 |  |
| 2012-12 | 4 |  |  |
| 2013-03 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving | losing money, expense ratio p90 |
| 2013-06 | 4 | losing money, expense ratio p90 | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2013-09 | 5 | capital falling |  |
| 2013-12 | 6 | deposits shrinking, assets shrinking | capital falling |
| 2014-03 | 4 |  | deposits shrinking, assets shrinking |
| 2014-06 | 6 | deposits shrinking, assets shrinking |  |
| 2014-09 | 7 | capital falling |  |
| 2014-12 | 5 |  | deposits shrinking, assets shrinking |
| 2015-03 | 4 |  | capital falling |
| 2015-06 | 4 |  |  |
| 2015-09 | 5 | capital falling |  |
| 2015-12 | 5 |  |  |
| 2016-03 | 5 |  |  |
| 2016-06 | 5 |  |  |
| 2016-09 | 5 |  |  |
| 2016-12 | 5 |  |  |
| 2017-03 | 2 |  | losing money, expense ratio p90, capital falling |
| 2017-06 | 3 | expense ratio p90 |  |
| 2017-09 | 6 | capital falling, losing money, charge-offs p90 |  |
| 2017-12 | 5 |  | charge-offs p90 |
| 2018-03 | 5 |  |  |
| 2018-06 | 6 | charge-offs p90 |  |
| 2018-09 | 9 | leverage <7%, deposits shrinking, assets shrinking, uninsured deposits leaving | charge-offs p90 |
| 2018-12 | 6 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2019-03 | 5 | securities losses >30% of equity, charge-offs p90 | capital falling, losing money, leverage <7% |
| 2019-06 | 7 | deposits shrinking, uninsured deposits leaving |  |
| 2019-09 | 6 | capital falling | deposits shrinking, uninsured deposits leaving |
| 2019-12 | 5 |  | charge-offs p90 |
| 2020-03 | 6 | losing money |  |
| 2020-06 | 5 |  | capital falling |
| 2020-09 | 5 |  |  |
| 2020-12 | 5 |  |  |
| 2021-03 | 5 |  |  |
| 2021-06 | 6 | capital falling |  |
| 2021-09 | 7 | leverage <7% |  |
| 2021-12 | 3 |  | expense ratio p90, losing money, capital falling, leverage <7% |
| 2022-03 | 6 | losing money, expense ratio p90, charge-offs p90 |  |
| 2022-06 | 5 | capital falling | reserve under noncurrent, charge-offs p90 |
| 2022-09 | 2 | reserve under noncurrent | securities losses >30% of equity, losing money, expense ratio p90, capital falling |
| 2022-12 | 3 | securities losses >30% of equity |  |
| 2023-03 | 5 | charge-offs p90, deposits shrinking, assets shrinking | securities losses >30% of equity |
| 2023-06 | 6 | uninsured deposits leaving |  |
| 2023-09 | 6 |  |  |
| 2023-12 | 4 |  | reserve under noncurrent, charge-offs p90 |
| 2024-03 | 4 | reserve under noncurrent | uninsured deposits leaving |
| 2024-06 | 2 |  | deposits shrinking, assets shrinking |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 3 | charge-offs p90 |  |
| 2025-06 | 2 |  | charge-offs p90 |
| 2025-09 | 2 | capital falling | reserve under noncurrent |
| 2025-12 | 3 | reserve under noncurrent |  |
| 2026-03 | 4 | expense ratio p90 |  |
| 2026-06 | 3 | charge-offs p90 | capital falling, expense ratio p90 |

## 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
- 2026-07-27 [Community Bank of Louisiana to build new Shreveport branch - KTALnews.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxNcHhDaFNhRzlxbVQ1bUFJZTZDc2poNlZQb1RqQzdtVHFwTXo4QjhKZmRib2R3RE5SbllmWjZ1b3I1bFBFd1ljRkIyUnJIQV9wSmVSSm5XYV9sV0V3YzhlODlWeHJYVmFzeFFaNWpxdEhEUVhsMUQ2Yk56TGpuWVZJOVBPSTVsQ0hKTkd5UE02dkHSAZYBQVVfeXFMTkRVZEhhbjdsOTdGRExzNUd6b0luaUlkdWF3ZGpxdzJOUkJuOWNZVDN1VVFObTl6NHJvQnFUelpjend0Tk1JR2hyaEFpMWJmY24ybVhsajN4d3dRNVFqUjJVdHJDSU04Ynh3cHpCV1N2ZFpMN0ZtYVlxT1JOTzR5aDBlYXpkZXhZdDNMOFpTRndnNS12ek5B?oc=5) · KTALnews.com
- 2026-07-27 [Community Bank of Louisiana to build new South Shreveport location - KTBS 3](https://news.google.com/rss/articles/CBMi0wFBVV95cUxPOTF1dF92cDkwaGZRZWFhT2hRclk5a1FfRS1yRU9Ob2NqRVI5ZS1hbHZMeVMxQmJXdWZMNXVmXzFpdmk0NXNGQWE3NXVqMzlJRFdZOFlzaFpUMjJCdVh0V1JRX3lTemRGQ09NejRXTVlLeEpucGlxVUZxV0pUejBQeGllNVp3OW5sOU5yVEROUmctcFY5SnlBLWpqalJxSHNCU1E4YVhhNWtLRUt2ODR5RE1xMjhEckEwUlVvNENhN0lReTRDa1h5ZHRILUU2U2QxSW5N?oc=5) · KTBS 3
- 2026-04-14 [$142K Grant from FHLB Dallas and First Federal Bank of Louisiana Enables Nonprofit to Help Louisiana Homeowners Resolve Property Ownership Issues - Business Wire](https://news.google.com/rss/articles/CBMirAJBVV95cUxPWTRXUEhaSHNwZHUxRm41ZGM5VmczeG5MVVhIWW5DMjFfRmhSajNaQmNiaUxjVTVmV2hjSGFuZnR6YjRJTjA5eFBPeDRjeVBRSjFNNkhNa3llZjJQSWJpalNRMDNmaXlZYVVQT2pwa0R4MW05SnloNUg3Sk5JQm9aOU9FcFA5RlZhOEZvX3E5VWVvcTJvbFdoM3RKcVJmT3FzWUYwb2xPVGZDNW5JUXUyMDBDb0xKSzhxMDRNeDZZTjdMRzdOUVRfS1N4eU9Id18wOTNHTkdXSEFXZXdXY0tscUw0Vno3TWVqdFdmME9Ya1FmcFBSYl9RTWU0ZDN6NzBaN3ZTLThsdEY2SFc2T1dNTnNKZzB2aUp1NTZQT09hTUIwbEZpU3p5d1dzbzg?oc=5) · Business Wire
- 2025-12-05 [Acadiana newsmakers: FNB Louisiana names Jim Lyons CEO - The Advocate](https://news.google.com/rss/articles/CBMizwFBVV95cUxQODFnVTNFR0JlYzBTMjNQTFZsY2tRX0VreXZOa2JKOHlDWkt2UmQ2THZFTU41T0ItWTA2Vk45TzdrYzVSakVsV2gzSzRTNTE4dWNtR2w2Y1NJM3k1MWp5THJIVTVtN2t4cUZYTFNCd0V1VFJNYWlNRGUwVXc3eHdycHIzSW5GMVZ3T082amstbDdxV09qSkxhcUV3aERQa19tNnBNYldlcEtVa1FpSWduYXJvVVF2UWozQl9vejZDTVNoZnVLQXY3SGlIY2lWVXM?oc=5) · The Advocate
- 2026-01-23 [Kenneth Richard Stiegler Sr. Obituary (2026) - New Orleans, LA - Jacob Schoen & Son Funeral Home - New Orleans - legacy.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxObTlMNFIzVVVOSy12bHA1WG1RVWVGaU83TGZqck1rQWFXdk0yaC1OOGtBN043WVNvYmhpTjVTUFJwdElCU3RhUGRIZXlVRW9JMlhVOU93ZHo5NUp0Tko2Um5YR3BnUHVkeEFJMjc0RnhhVmxNbjI0aEtnU3I3c2lTdDJvZWtXQQ?oc=5) · legacy.com
- 2025-04-28 [Groundbreaking Takes Place for Origin Bank Center for Student-Athlete Success - LA Tech Athletics](https://news.google.com/rss/articles/CBMiwwFBVV95cUxPUjFfaG5ISm9BbWVRT3hjUG5zRC1sV0lBaHpCSjc3WEVqMUhmOGNsaDAxejQ3ZmEwT2FBa3FIUjdIdDhlTU1Vb1JYbklpQVNXWVJzQlp4MkpTUjNGX3BZSzlPZDIyZ1FwOHBodXdvd19XZVNlNDJLeXBSR3ZCaVlLdG5tVjhEZUtzWWFlakxxRlVOUjRudTMxMFlSTXdmaldNUXB1YWk0cGxZTlJ2Y3c3Y0drOE1IcXl4a0hWalJsdnczVDA?oc=5) · LA Tech Athletics
- 2024-09-20 [It's one of the oldest buildings in downtown New Orleans. A new owner has renovation plans. - NOLA.com](https://news.google.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?oc=5) · NOLA.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17878 (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/22.json (key "17878", 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