# CAMERON STATE BANK
LAKE CHARLES, LA · FDIC certificate 19541 · asset band $300M-1B · latest filing 2011-03 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $721.9M | |
| Deposits | $588.4M | |
| Loans and leases | $395.0M | |
| Total equity | $80.3M | |
| Loans / deposits | 66.13% (p23 of band) | 78.23% |
| Liquid assets / assets | 39.50% (p79 of band) | |
| Uninsured deposits / deposits | 23.22% (p87 of band) | 11.67% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 6.50% (p43 of band) | |
| FHLB advances / assets | 6.50% | |
| Tier 1 leverage | 11.18% (p82 of band) | 9.23% |
| Unrealized securities loss / equity | -2.82% (p13 of band) | 0.92% |
| AOCI / equity | 0.14% (p53 of band) | |
| ROA (annualized) | 1.55% (p91 of band) | 0.63% |
| Net interest margin | 4.50% (p90 of band) | 3.68% |
| Efficiency ratio | 55.78% (p16 of band) | |
| Noncurrent loans | 2.17% (p49 of band) | 2.23% |
| Net charge-offs (annualized) | 0.02% (p24 of band) | |
| Reserve coverage of noncurrent | 68.32% | |
| Real estate % of loans | 75% | |
| Construction % of loans | 45.11% (p52 of band) | |
| Auto loans | $24.3M (6.15% of loans; DQ 1.77%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | – | |
| Employees | 212 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |

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

- 2011-03-11 [Iberiabank to acquire Cameron State Bank - KPLC 7 News](https://news.google.com/rss/articles/CBMihgFBVV95cUxQNG84UWlDRnFCdlM2Q0s0NTJnc1ZIOVVhNmxjVEZMUi1rb1ZfRTdERXdvRG5oYlhwYzQ4cF80QVNTZ1RZUGNqZGk5TDN2aVpJNzhNMVgzb0swckJPYVAtMm1wTXN5SWpOZ2RQMkE4RzI3aGNCZ1Q4SzBOa0hEdmpxVWFrSzk2Z9IBmAFBVV95cUxQNEFBcE5kUGx1SDZwcmUtQ3h3QWVHTEx2bVVHQjdNZ3FkeFdYNTNuVlU0VVBlQ2JPcE44NUszNlpHbU5ON05CemhTMUVIa3BrM2xNQzhyU3NJcUoxZWJrWTdnUnNUWTY0M005bm94U2h2UTdyZjBleUdoeHY4VUdKUGh5UnhRVkE2RnpTbVdlMHdzYlU3M3o3WA?oc=5) · KPLC 7 News
- 2024-08-17 [Sue Carter Watson Obituary Aug 17, 2024 - johnsonfuneralhome.net](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE9uRlR0NU9kOERlWnNYeE5vUnZSRUwzSDZ2SVZlUHh1YWszN2tyOTViV2hiWDZ5TlZmX1RoR0FFMjQxcnFKU0lORjFWR2t0MUo4cE9VdmJmcl9TS2VLQ3V3UDNQbXBRT00?oc=5) · johnsonfuneralhome.net
- 2010-04-01 [Cameron State Bank Receives #1 Ranking - KPLC 7 News](https://news.google.com/rss/articles/CBMiggFBVV95cUxNd1gyZE9jZ1N1OFZPUXIwZjd6ekM5Tm5IYW9RcmRBamRweFc1N3kwNV9UZkVTSHRhTVNtZzJES0R6eHBiLVFEZE5MaHpWRTZENWRsSVN4RmpWeC1oSFY3X2lTUW56cW9keFpydndzc01DZkNpSzl6azR3VUIxaGdSc0pR0gGUAUFVX3lxTFB6M21IZmVPSmFBdl9MOEloYlN3RkNWX2dxRGZpOGJXLXdkaC1kbzlobi01LTRYWjhBWTZxMThEcE1CTlJ5LUVfR0tDUjR2RW9ROWVFYmlwOTZlSFYyNksyRS1TVHdMME1hSjRYMG9Fb1F0SUhiZFU0VGoxcTdreTE0aGFuZjNWQVB5bDNaUXQxUnpIc0c?oc=5) · KPLC 7 News
- 2021-05-28 [Baron Thomas Obituary - Lake Charles, LA - Dignity Memorial](https://news.google.com/rss/articles/CBMihwFBVV95cUxPVzhTNDdlOEtJNVVvcmZIdEFRVEstbk9kbnQxSUtmcjdudDJrV3o3Q1J0OGMtOUVkZ3VrOTZ2dUc4OTNmcXhrUVZleVpEbnZDeXRwR2FiX3ZMWHpVS1FLM19TLWFrdUtteUFnZzZhR2hpaUgwNnFMX2xxQl82Y0xoZENlSTF2NmM?oc=5) · Dignity Memorial
- 2021-09-29 [David Trahan Obituary - The Daily Advertiser | Lafayette, Louisiana](https://news.google.com/rss/articles/CBMiX0FVX3lxTE5wbU1ZMno2ZWJkRVp1ekx2ZTR1WHYtUTBRU1R0NGxnSVRYc1ZxUy16YnNRempoaVVtdHdQU0hVQ2JZbHNWbEVlYnZacG03b0FpT2RXZWpYU2dzM0dZdWlv?oc=5) · The Daily Advertiser | Lafayette, Louisiana
- 2013-02-15 [Charles F. Hebert Obituary Feb 15, 2013 - johnsonfuneralhome.net](https://news.google.com/rss/articles/CBMib0FVX3lxTE1RbHJNenlaWmVRcFBmWERMNEZDQXBHODg5RjhoR25TOThyenVaZzNMN3NnVzhYVFp0dElFWkN6d0x2SWJ2OXZpVU5WdGpnYVVxdW1YOXg0bThFNy1SLVA3dFhsRFhWUldkTkFNOUtZVQ?oc=5) · johnsonfuneralhome.net
- 2026-08-04 [Brenda McCall Obituary - Lake Charles, LA - Dignity Memorial](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQSGp0LTRrNlFSc2tPMFhCVGZMUnI1akNFX3BtTGd3QkVCUHlFUDhmYkdlTjFLM0xHN0NmQkRpVWZQRS03ZU5vV0VDNnJUMHd1eW1WdDczS25yLTNtcTZXV0lSeTBXT1d0dDBBR1ZlY3gzT283bGpQNnhEdHJEdm1SUVBjakZjWHc1?oc=5) · Dignity Memorial
- 2010-05-10 [Two alleged bank robbers are behind bars - KPLC 7 News](https://news.google.com/rss/articles/CBMihgFBVV95cUxPcW8wUmtoX0treC1HX3JZSDhZcTFPQzR6NFFsNXJuOU95VFFPNEsyX2hYR3FoQUpjYjVpSWlMdXY3bzZ4bVhoVndfVVZadE9uM1VjSXhzREstckVRQlRIOW5hY2QwZkZmNGlfTlM0OHloZFhDWW5wUXlsNEk2RVBsaWtLQ19sZ9IBmAFBVV95cUxNUnJjRVpxaml4cEY1emhFZHI0bXpSTUU1LUxGNEVabmtyeXZpMUxpLVUyS0V3cTU2T3Q2azZBTEpvNkx1NmgxUEY0X0F5Tm9MOUw0dnE4ZG9mUHExQ0xwaGdSV3V0RXNBTXotMm0ybEh5amFpYUJFV0VkQlFJbTY5V0FEOTZWZHpYc3dNRlBCc2ZGTnluOXI5bw?oc=5) · KPLC 7 News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19541 (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 "19541", 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