# WHITNEY NATIONAL BANK
NEW ORLEANS, LA · FDIC certificate 18538 · asset band $10-100B · latest filing 2011-03 · stopped filing (departed)

**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 | $11.48B | |
| Deposits | $9.18B | |
| Loans and leases | $7.06B | |
| Total equity | $1.50B | |
| Loans / deposits | 74.53% (p34 of band) | 84.41% |
| Liquid assets / assets | 29.04% (p60 of band) | |
| Uninsured deposits / deposits | 31.00% (p82 of band) | 16.96% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 4.95% (p16 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.65% (p33 of band) | 9.30% |
| Unrealized securities loss / equity | 2.23% (p58 of band) | 1.31% |
| AOCI / equity | 0.04% (p66 of band) | |
| ROA (annualized) | 0.65% (p33 of band) | 0.90% |
| Net interest margin | 3.98% (p68 of band) | 3.65% |
| Efficiency ratio | 80.09% (p92 of band) | |
| Noncurrent loans | 3.42% (p59 of band) | 2.73% |
| Net charge-offs (annualized) | 0.09% (p18 of band) | |
| Reserve coverage of noncurrent | 88.70% | |
| Real estate % of loans | 59% | |
| Construction % of loans | 57.64% (p92 of band) | |
| Auto loans | $6.4M (0.09% of loans; DQ 0.80%, NCO 0.00%) | |
| Loans to nondepository financials | $55.9M (4% of equity) (p80 of band) | |
| Deposits YoY | – | |
| Employees | 2645 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | expense ratio p90, reserve under noncurrent |  |

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

- 2019-09-26 [Lenny Lemoine invests in historic Whitney Bank building in New Orleans’ CBD - The Current – Lafayette’s Community Voice](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPanp3VW12aW9tT3VVU0xlN180WWQyblBkYWM5V3c2QTl2bnh3bm5WMXVHaXh6SmhOeWlUNy14RFpISTVFMHhRQlVOVnhuSDVPUWRpenNfUkN0dG4tcWl1R044Y3dZeXA4YUUySzc1UTRCMkJFU0VDa2dFRXZqU1ZYa2lwTllSWUxpdjdlMHhMYWZucXNxNlk1eG5qSHkySFFoZWF3SmJXWk8?oc=5) · The Current – Lafayette’s Community Voice
- 2025-03-21 [More hotels set for downtown New Orleans as former Whitney building plans take shape - NOLA.com](https://news.google.com/rss/articles/CBMi-gFBVV95cUxQZkxrNGZKbjMtNUFYdGx6ZnFWT051OURRaWw3a0NkN0EtMGlKMFpfX3JxQWZUQkR6QjZDc0lfcnRiVXotenc0M0VON0stY2FPOERERDkxbXU5Ry0ta3hPYmJ2TmtnLWpCS2lFWmNHVGJBdUVwRFdJMXBTLUdtWGFRZFFNVVVaMG12dlM5aEh3amNfSmtUOXVYSk1oY2lZc2g0aWQ1YmFkUTU0c1E1M2hmUXZLYURhN2dIc1VGZVg3Tm1aNFNnX2JyZm5lN2x2UVNsNkkzVWd3TnJWcldKQ2pSaHlENWJfekpXWVFQdUczeUREbzRqUDE0dHdn0gH_AUFVX3lxTE5obmcwdE1wYmRNRE5YTXhJYktVS2ljYkdJakNwQV9qQWk4aEViU3p0X0hha3U5WXZuZ1RyZnlaMjN6bzJrSXFxUUl2am9GNFdRQmR4MXFEck5SdXFFbW9yaWZ2cUE2dlh6c2RxRFJHLXk2R0QyeTZURkdBTGJNbTVhWFloSmt2YjZWS1FuTkNlYk5zYnJEbHRMWnptd25vRkFrUWFKY0lJdkhfNGJlNGdUYlp2MjNpcGhRblhLY3NURER1QTNtNS1hc0tTcWdYcjBaRDJxVTBoWXlPVzhYam5tMW1HTk9VR0JWTk1aZ19VakdGLUZsczhUaWpydEY4TQ?oc=5) · NOLA.com
- 2017-02-01 [What’s In a Name? - myneworleans.com](https://news.google.com/rss/articles/CBMiW0FVX3lxTE1xLW12MGhvdHIxdjJ5SC1RMVZfVWlEWXpWcnAzMEdkREVUbXZzTnZuTDJmZzlsTmszdERlSzdRV2JyRVMyYy1zS2hZbUZJb3VIeU5tS2lRNWdCbmc?oc=5) · myneworleans.com
- 2010-08-20 [$20,000 Reward Offered for Information on Serial Bank Robber Dubbed the “Bayou Bandit” - fbi.gov](https://news.google.com/rss/articles/CBMic0FVX3lxTE5KbGFnZ1YxZ2p2Z3ByTkVqWmMtRmlKQ0Iyd2IzYnBsMFRUM1cyM0xSZng2SjV2NGFTUXVuUlUxQUpXOF9FWkk0SmYwdkJ1VEM5VUc4RUxBTFBvOHJDRXJzenlFRnhyUlNsSmZIV3M2ZjhlSGc?oc=5) · fbi.gov
- 2011-09-08 [Louisiana, Eastern - Department of Justice (.gov)](https://news.google.com/rss/articles/CBMilgFBVV95cUxOaFFqUnIyRG5SNXJTMGFqUkc1ZGdVVm9rMkx6T0dsaFBwUTlCYTRLQlkxZktyQmdRVGxjZU5lRWQyOEpHdzVGdWZiVHpJMmk4ZUFPWnQ5R2tnT3pnMC1SbXRrdklSUE92dm16dzByR1lVekdnQTRjQXc2Q2JQYnMxSnFySjJEWkx2TDZ0NWxBRmt2WUo3MlE?oc=5) · Department of Justice (.gov)
- 2020-06-16 [David Didier Obituary - Covington, LA - Dignity Memorial](https://news.google.com/rss/articles/CBMiggFBVV95cUxQYmtJbUkzVjRMTnp2MGFNSnVqeTlKUWFKdjg1a2FHbjNrWmt4NU92MFpKZWNTWThVeVZETFAxcUtObkd0WG45TkNJR013bWpaYTJiRUJJdlBUdUxiQ3ZFamxkSFdDQnlNdXljaTFaSDl6eDI2LWZ3V3NEcnVBUVlYWUtR?oc=5) · Dignity Memorial
- 2010-07-14 [Law enforcement asks for help in catching bank robber - KPLC 7 News](https://news.google.com/rss/articles/CBMilwFBVV95cUxPOFRSOV8wT0xCdFJBS2tHb2lodmU1MXFMQnBsQ242WFpreTVaTHAwUGoxdUM1R0tqN2pvdmgxWmF6eEhaOE9leUt1UnFqd0hLT1VsbmpYM3U4bVRZQlJSXy1jUTByYXZfLUttTUVNVHVmZlZUSUFRbTRQZUduUGM1ZEktX215dzh6UU9qcUhJOGkyQW5PMl9v0gGqAUFVX3lxTE9fMGZ2eW1OcUw0S2Q4YXkySW81TURJVmo1VUtYNFdsZ1NVdkdZbTdvWU5HQ0NCUVQtd1JTOENxR3BiTjF0UHFRWEY3cDlHX0VWUV9BeWdERmQ2RXRTVzludEdKRkpJc1R3aHhBMnNmOEpRZWhYRnpITWdlS2xQa19STDFMOWsxUWNvS1RMZzJNVkpucmsxc2VHRDNGeXpGTnNrNHdFckVKaTBR?oc=5) · KPLC 7 News
- 2019-09-24 [108-year-old Whitney Bank building on St. Charles will become a boutique hotel - NOLA.com](https://news.google.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?oc=5) · NOLA.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18538 (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/42.json (key "18538", 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