# TECHE BANK&TRUST CO
SAINT MARTINVILL, LA · FDIC certificate 20041 · asset band <$300M · latest filing 2017-12 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $94.6M | |
| Deposits | $82.4M | |
| Loans and leases | $59.5M | |
| Total equity | $11.8M | |
| Loans / deposits | 71.24% (p42 of band) | 75.88% |
| Liquid assets / assets | 33.13% (p55 of band) | |
| Uninsured deposits / deposits | 21.09% (p72 of band) | 15.42% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.14% (p38 of band) | |
| FHLB advances / assets | 0.14% | |
| Tier 1 leverage | 11.79% (p63 of band) | 10.88% |
| Unrealized securities loss / equity | 3.80% (p98 of band) | -0.66% |
| AOCI / equity | -2.38% (p1 of band) | |
| ROA (annualized) | 1.17% (p70 of band) | 0.85% |
| Net interest margin | 4.47% (p87 of band) | 3.74% |
| Efficiency ratio | 74.45% (p60 of band) | |
| Noncurrent loans | 2.57% (p89 of band) | 0.56% |
| Net charge-offs (annualized) | 0.21% (p86 of band) | |
| Reserve coverage of noncurrent | 50.16% | |
| Real estate % of loans | 67% | |
| Construction % of loans | 24.37% (p59 of band) | |
| Auto loans | $565,000 (0.95% of loans; DQ 10.44%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -7.1% | |
| Employees | 31 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | assets shrinking |  |
| 2016-09 | 3 | reserve under noncurrent, deposits shrinking |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 3 | charge-offs p90 | deposits shrinking |
| 2017-06 | 2 |  | charge-offs p90 |
| 2017-09 | 3 | deposits shrinking |  |
| 2017-12 | 3 |  |  |

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

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=20041 (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/9.json (key "20041", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide