# FIRST NATIONAL BANK USA
BOUTTE, LA · FDIC certificate 22046 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (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 | $249.1M | |
| Deposits | $213.1M | |
| Loans and leases | $113.5M | |
| Total equity | $34.4M | |
| Loans / deposits | 52.60% (p22 of band) | 73.59% |
| Liquid assets / assets | 50.65% (p79 of band) | |
| Uninsured deposits / deposits | 49.86% (p96 of band) | 19.81% |
| Brokered deposits | 0.36% | |
| Wholesale funding | 0.45% (p50 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 14.06% (p71 of band) | 11.76% |
| Unrealized securities loss / equity | 0.33% (p99 of band) | -6.57% |
| AOCI / equity | -0.26% (p56 of band) | |
| ROA (annualized) | 1.65% (p75 of band) | 1.17% |
| Net interest margin | 4.76% (p85 of band) | 3.93% |
| Efficiency ratio | 54.32% (p22 of band) | |
| Noncurrent loans | 0.03% (p28 of band) | 0.36% |
| Net charge-offs (annualized) | 0.01% (p66 of band) | |
| Reserve coverage of noncurrent | 4288.24% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 63.43% (p85 of band) | |
| Auto loans | $92,000 (0.08% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 10.7% | |
| Employees | 29 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | noncurrent p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 4 | deposits shrinking, assets shrinking | noncurrent p90 |
| 2012-06 | 4 |  |  |
| 2012-09 | 4 | capital falling, noncurrent p90 | deposits shrinking, assets shrinking |
| 2012-12 | 4 | expense ratio p90 | construction >100% equity |
| 2013-03 | 3 | construction >100% equity | capital falling, expense ratio p90 |
| 2013-06 | 3 |  |  |
| 2013-09 | 4 | deposits shrinking, assets shrinking | construction >100% equity |
| 2013-12 | 5 | expense ratio p90 |  |
| 2014-03 | 5 | charge-offs p90 | expense ratio p90 |
| 2014-06 | 3 |  | deposits shrinking, assets shrinking |
| 2014-09 | 4 | deposits shrinking |  |
| 2014-12 | 3 |  | deposits shrinking |
| 2015-03 | 3 | construction >100% equity | charge-offs p90 |
| 2015-06 | 2 |  | construction >100% equity |
| 2015-09 | 2 |  |  |
| 2015-12 | 3 | construction >100% equity |  |
| 2016-03 | 3 |  |  |
| 2016-06 | 2 |  | noncurrent p90 |
| 2016-09 | 1 |  | construction >100% equity |
| 2016-12 | 1 | construction >100% equity | reserve under noncurrent |
| 2017-03 | 1 | reserve under noncurrent | construction >100% equity |
| 2017-06 | 0 |  | reserve under noncurrent |
| 2017-09 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2017-12 | 1 |  | noncurrent p90 |
| 2018-03 | 2 | construction >100% equity, assets shrinking | reserve under noncurrent |
| 2018-06 | 4 | noncurrent p90, reserve under noncurrent |  |
| 2018-09 | 3 |  | noncurrent p90 |
| 2018-12 | 1 |  | assets shrinking, reserve under noncurrent |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 | capital falling | construction >100% equity |
| 2020-06 | 1 |  |  |
| 2020-09 | 3 | charge-offs p90, construction >100% equity |  |
| 2020-12 | 0 |  | capital falling, charge-offs p90, construction >100% equity |
| 2021-03 | 1 | construction >100% equity |  |
| 2021-06 | 2 | uninsured deposits leaving |  |
| 2021-09 | 1 |  | uninsured deposits leaving |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | capital falling |  |
| 2022-06 | 1 |  | capital falling |
| 2022-09 | 1 |  |  |
| 2022-12 | 0 |  | construction >100% equity |
| 2023-03 | 2 | deposits shrinking, assets shrinking |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 1 |  | assets shrinking |
| 2024-03 | 2 | assets shrinking |  |
| 2024-06 | 0 |  | deposits shrinking, assets shrinking |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | capital falling |  |
| 2025-06 | 0 |  | capital falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2015-10-23 [‘Personal touch’ behind much of First National Bank USA’s success - St. Charles Herald Guide](https://news.google.com/rss/articles/CBMinAFBVV95cUxQT1YxQXRYWEtRdkVKVC1jSVZTdHJFVWRneWc2Ym52MXZfRFFOR3VIMGpYYVcwV24yMFY0YnprTjJNa2JRNDF3SjBjSF9kUmUtRm16VGNRa2ptX3hWUk9lY3RIR3FxYi1LUWFJWEhvTHI4STVUWXhaVTBvdFJyTTlEQUFOOUVQVHNSQU8zbGxwSGczWmdLNmVLRW1zZkk?oc=5) · St. Charles Herald Guide
- 2019-03-25 [Good credit is key to solid financial future - St. Charles Herald Guide](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOQjZDNFJZVklnX1JGQlFEamV4VmxubmswaUtTc1NPZG9LZmwzdXhua09lY2FYajg1VzNMUnpBUjVXTm5fT3VKYTJrVkw1bHM5LWhnVWE2U3lCNFhlNHUtZmRLZXFRZUdwaHJHN0NxUENaaUlNeVVXVENkbkRXR0Rkc2NJUmZMeWRu?oc=5) · St. Charles Herald Guide
- 2023-04-02 [Mathew Grunden Obituary May 2, 2009 - chauvinfuneralhome.com](https://news.google.com/rss/articles/CBMiYkFVX3lxTE9HT0lUcTc4RXJQQ2ppb1VTNnlDVFdlUkdBR0c4eDVwQndhTk54bXZNSXoyNGUtWEZJMWhYZ1gwZ2pjaVphTEpUSG1XRE1YdmNLQ0wzUGgycWtfSmVfcVZkcmNR?oc=5) · chauvinfuneralhome.com
- 2021-11-24 [Linda Green Obituary (1954 - 2021) - New Orleans, LA - The Times-Picayune - legacy.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxNeGNqVW1hSFBrMkZscS1NTmhXUVNJNjM1M2NkdlNWMkhiZUE5TjMzeGV2LVY2Ym9USFpYNEZwRThPQVcxSkxHVzhuN1B1eXBkaTdjb1VUWG5zcWstWGJBUTFzU28taUlIRW9UOXZRNmp4MGtycUpxeDhmTkYxdTdIVDhpVG5Ndw?oc=5) · legacy.com
- 2017-01-20 [West Jefferson property transfers, Dec. 21-Jan. 3, 2017 - NOLA.com](https://news.google.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?oc=5) · NOLA.com
- 2016-06-08 [Ascension Parish civil cases filed May 9-20, 2016 - The Advocate](https://news.google.com/rss/articles/CBMi-AFBVV95cUxPRmdDTjRtOERQQlRSUGJFam1kLVo1cnFQTHNBdEJwTGNsNExSdUpzQko2VVFKVUQzOGQtNzZ4QzFLR1NKY1VWMm96b1gzUFgwWjI1MDVMRWZLTTh4eThOVnJiRV9kc1hOa3FfcXpqTW1leHJ6enpySjlIbzhpRTF5TnEzQnl0QUpPRkNiUWtlRVNsQ1Z5emFPVHdINXFrTGhNZk1KaFNfRXBvSWF1SUhPQjBKeXNWeEw1bktQN2I2cm9NOGMxdGp6aUZQNTlESlJlTjZEY0Z1Q1JtTl9SVF9WcnBXTERpNUNHN1lnSVNCYVl0aUMySHktdQ?oc=5) · The Advocate
- 2021-12-10 [Tiffany Blythe Obituary (2008) - New Orleans, LA - The Times-Picayune - legacy.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxPa0RDTU0zSVA4NWxTOXZnXzZFSzMzOTlxT1R0SGFFU1pzUjJCV0JyT2hWdHdyektPMGZPMjg4cEowZDI4YnBxNDVUdDNrNWFXWWNRcDBsQkpDRk1tZzVHMy1LVkNvU0xWRk1icUNCWVhkeXBfZjBSejRfZ2dwZHFreERERzY3Zmdncnc?oc=5) · legacy.com
- 2021-11-18 [American Legion, Coast Guard spend Veterans Day repairing post 131 - St. Charles Herald Guide](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQSUdGWnJPYk9hYk9nd1B4Z0I2N2FLeXowZ0xncnhYRm5XdVFoNnMwWUxxamFXakdERDZzR1FDaWNERWkxbjVQeU03eldrYjRHSU9TTGVvamdBNHlEam0wYUtXZVNobXEwczU5TTg1LVFnWGNLd3d1ckpWQ0hXaXdhMXJMWWtDdXMzY2ZLMEt4NWdLOS1ib1U1VFVfd2lWdEZuOUV1dm05cUpzVHFkRzZNREhMOER0Z19B?oc=5) · St. Charles Herald Guide

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=22046 (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/30.json (key "22046", 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