# BANK OF ST FRANCISVILLE
SAINT FRANCISVIL, LA · FDIC certificate 22739 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $398.7M | |
| Deposits | $346.0M | |
| Loans and leases | $302.9M | |
| Total equity | $38.6M | |
| Loans / deposits | 86.38% (p63 of band) | 82.04% |
| Liquid assets / assets | 21.54% (p37 of band) | |
| Uninsured deposits / deposits | 33.88% (p76 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.51% (p44 of band) | |
| FHLB advances / assets | 2.51% | |
| Tier 1 leverage | 9.87% (p31 of band) | 10.81% |
| Unrealized securities loss / equity | -2.50% (p76 of band) | -8.10% |
| AOCI / equity | -1.24% (p17 of band) | |
| ROA (annualized) | 1.50% (p64 of band) | 1.28% |
| Net interest margin | 4.48% (p81 of band) | 3.91% |
| Efficiency ratio | 62.90% (p55 of band) | |
| Noncurrent loans | 0.81% (p67 of band) | 0.43% |
| Net charge-offs (annualized) | -0.02% (p5 of band) | |
| Reserve coverage of noncurrent | 164.30% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 81.28% (p78 of band) | |
| Auto loans | $605,000 (0.20% of loans; DQ 11.74%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 5.5% | |
| Employees | 60 | |

## Flags firing in the latest filing

- none

## Warning timeline

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

## 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
- 2026-04-15 [See which local bank is opening second Baton Rouge location on Jefferson Highway - The Advocate](https://news.google.com/rss/articles/CBMi2wFBVV95cUxQcnJFUklxVlYyNHY4WDA5WXp1eTZZR2F3WHJlLVdxblRBOThLUTAyYk9NTFhYSTdPZWZxQmMzTDlXRDMyeEhFR2ZSSFRWWFNkS01LWThrMWhoaWt4clpuS1FQYkg4NzhiUDRkbi1qZjVnb3FHZ3l6U1Z4SGNYc0NMUnJ5NEdCUkFNb2ltU2NWZnZUOTdPT2FPal9vdzNLQUtkRWtHUHY3S2UyZXFfUWdiampDOHVmVzdRYzVIUjl1aVhHSnQ3QTZubllqVlBoNGc3UGZzelNQNHJZTmc?oc=5) · The Advocate
- 2017-06-05 [Executive Spotlight Q&A: Carter Leak, Bank of St. Francisville - Baton Rouge Business Report](https://news.google.com/rss/articles/CBMimgFBVV95cUxOSjBlTFlVOGpOdkJTM1dNcGxEdEQ5dHhJMG1wR205RkZVM0ZHYmNRQmVfc21RbkR4eTRKcDFjNVlnSTZpQmVGaFhyX2hhZTZrODNyNEZEd0Rydzh1SnJtVEwzOHpfdlBGUDh6eHlSdkVYclJ1WUFvYzVkSUtVSTV3UUxrTmtsNzFFVEY3enBHVHhZd3VxUTdvVTF30gGiAUFVX3lxTE9RMEFxMUk0RFRsT01VUzIxMXpSem9hVmhPdGZEMXgwbW1vZFVaM0l6SEs1ZE0zUnExTlVtdmp1WVZHSHIzQml5VW5yb2N1XzNrcWpvdS1SdTVsTWRsVkR0NVczRnFnTkNMUEtMVlc5N2ZVVWxlZk9iOEhYQnB5QmJJN2dLdzE2UnlvYjlZanF6NG9seXZubFlxUkhVVEpvbDJhZw?oc=5) · Baton Rouge Business Report
- 2025-06-20 [83 rising bank leader advance knowledge at LA Tech’s School of Banking - Lincoln Parish Journal](https://news.google.com/rss/articles/CBMitAFBVV95cUxNWUI2Q1JpUmZuWm5STUVTZVdjMkdTNGQyT2hQeFpQdzNKa3AwdG9nMGZMbUw4bTJOZXNZQVljYm9BR0psTEF4OTlkYXpuTlh0OFE4NnBUR1RuMmN2Wkt4ajd3dVZ0RVJlY24za3RSdUFIRXgxMk9Xb2ZlQUZMYm5sZjVXVl9RWmVRUjN2c3FyZXhuVVY5NG1qNHJ6enN3Y2pnZjdCZEE3YVYzUElYTTVlX3VlUnk?oc=5) · Lincoln Parish Journal
- 2013-08-21 [Zac Walters Obituary Aug 21, 2013 - Resthaven Funeral Home | Baton Rouge, LA](https://news.google.com/rss/articles/CBMiakFVX3lxTE5ZQjItM2UxMlVQTGhyUWhfdEdoOFQtcmp5aDVDVW9rZWpYTWZYYlhrMmpfXzk0WVBhLWVBSnVLeVJsVGtfcGhmMEtoM08tNy0tRG5jSnlaTTQ2RWg5eEJSakl1RjlSeTRRU3c?oc=5) · Resthaven Funeral Home | Baton Rouge, LA
- 2022-09-18 [Lawrence Walters Obituary (2004) - Baton Rouge, LA - The Advocate - legacy.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxOWU1mYjY4a29sQThDdUdCazNrMVpIQU5CbW5mb2phNUFaVzhieWpHMU45YVhYODM3RFhCbHJQd2VxVUxoelYtRHQ3SEdVRDVraDJUMm0wa0ZRaTUzNGpKZ2hoOF9JRGs0TjQ3UVRGcXphNTR1QlZnU2p6ZnVDSXhTRG9rM1VjUFprLVpGVy1UeUZkVkJZSXc?oc=5) · legacy.com
- 2022-06-13 [Bank of St. Francisville buys former Investar branch, plans to move into Baton Rouge - The Advocate](https://news.google.com/rss/articles/CBMilAJBVV95cUxOdnd1a3RtTW40M1Jud0dPc2VucEFLTGFSOVZ0Z1BSRGUxaHhmeGhSTUhLdUZwVGlnU2UyMVRscXlGTXJ5VWlFV2VGenB4REUxVjJyY3Ewc3lNZjdGME5OYlA5N3QweV91MXVWX3VxWURlN3NlYXFaS0dnVUNxaE5qWlppa2RyX2tfczVxMUlkdXFBZVZYYzZ2b1IwbXNpcnVVT3k4SVRiblZYTms2U0NNU1FJQUlwUWQ1OTZSb01wRUFtUVg3cG9XdGxBRmREWjR3YkZ2MHJvaDh1eUVkVzB1S2hUbW5LZ3paLXBVbWhiZFJyRDNLbExHY2loRFAtZmFTNVcwQWo2Zy00WndoYTlYWEd5MzA?oc=5) · The Advocate
- 2021-10-27 [Lloyd Lindsey Obituary (2009) - Baton Rouge, LA - The Advocate - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxPX3dHSkoyX3dEOVFibFE4dl95dVV1dFY3b1dCMUhZSS1fNVBpei0wWVBPVW1FcTBPUEtyMmZnS3hxaHJHRUNkc1VCbnFqY2dMRVk1R1dtTktmRjd3U215OXhiQ3E5ZThHSkMydklnaUUyMzludzBUQzB5Z0lBcUFKVUw4bklqaFVlQW02M0pWZ2NoUQ?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=22739 (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/19.json (key "22739", 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