# SOUTH LOUISIANA BANK
HOUMA, LA · FDIC certificate 23144 · asset band $300M-1B · 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 | $659.8M | |
| Deposits | $548.6M | |
| Loans and leases | $369.4M | |
| Total equity | $101.3M | |
| Loans / deposits | 64.66% (p18 of band) | 82.04% |
| Liquid assets / assets | 41.75% (p85 of band) | |
| Uninsured deposits / deposits | 32.04% (p72 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 15.30% (p91 of band) | 10.81% |
| Unrealized securities loss / equity | -1.97% (p80 of band) | -8.10% |
| AOCI / equity | -1.37% (p15 of band) | |
| ROA (annualized) | 1.80% (p80 of band) | 1.28% |
| Net interest margin | 4.70% (p88 of band) | 3.91% |
| Efficiency ratio | 59.43% (p44 of band) | |
| Noncurrent loans | 0.45% (p52 of band) | 0.43% |
| Net charge-offs (annualized) | 0.03% (p69 of band) | |
| Reserve coverage of noncurrent | 883.56% | |
| Real estate % of loans | 69% | |
| Construction % of loans | 32.76% (p40 of band) | |
| Auto loans | $787,000 (0.21% of loans; DQ 0.51%, NCO 0.00%) | |
| Loans to nondepository financials | $473,000 (0% of equity) (p90 of band) | |
| Deposits YoY | -0.9% | |
| Employees | 153 | |

## Flags firing in the latest filing

- none

## 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 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 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 | deposits shrinking |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 | charge-offs p90 | deposits shrinking |
| 2017-03 | 0 |  | charge-offs p90 |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | charge-offs p90 |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 0 |  | charge-offs p90 |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 2 | charge-offs p90 |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 0 |  | capital falling, charge-offs p90 |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 0 |  | capital falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 2 | deposits shrinking, assets shrinking |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 1 |  | assets shrinking |
| 2024-06 | 0 |  | deposits shrinking |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2025-09 | 1 | assets shrinking | deposits shrinking, uninsured deposits leaving |
| 2025-12 | 0 |  | assets shrinking |
| 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
- 2020-07-01 [South Louisiana Bank starts work on first Baton Rouge branch, plans to open by November - The Advocate](https://news.google.com/rss/articles/CBMimgJBVV95cUxNeTNYN1A0bkhmeFdtakh5SnlwRjE4cm9kdFUwVkxEd1BNYzI4V3dQQjZyU04wcGU3a242NVZWaTRGc2dKYjNYM2owenVFNUt4SHpwSlowQ0VuZEw4YlYwZHVNeVpheHdwa0RpTVNXQUY4M2FWT0hTdFlIMl85WlUxbTNnUEpmUEZBNWpYRGhYNGx4aFp1UTV6SU53SkZYLXRVR1dhY1JpZmQwY3JQZHVmMFo5N1pTTlQzb0tHMy1oLU1tQVF3cjRQSGNjV08zOEJWaGdrTndIZm9peUtWbElwUTRZTnZKa0hpMkJxem1kblFUR1ViRWF1c1J1czdOVURaOU05UVZTYjBpdmFOcFhYT0w4V1k2TWZ6UkE?oc=5) · The Advocate
- 2021-05-10 [2 Houma bankers named to leadership posts with Louisiana professional group - Houma Today](https://news.google.com/rss/articles/CBMizAFBVV95cUxPME05VjhEMk5WZHFpWEZjRENKNEpidVUxZGw0ZHhzMnh5N2lqSEs2MnBRc2VwZjAweUIyMUwzaS1SU0pXemNvZkY0M3llRmFiSTdha2JUV0RXS2V3ay1ZUDdqQkV4NTl2SlgtdnBRQ0xwU09NQTRWRjA3a3NhazZ6ajh5Wll2T2gxY1VnLURRRlVDbmRKTl9YOVRRQ0lxNGlibTA5TmJUT3REV3ljd1c2bi1aTXRDRFdKUjJtUVpHOTh6Ny1tT2lZdDdnaDc?oc=5) · Houma Today
- 2024-08-06 [Former Capital One Bank at South Park & Pinhook Renovating To Become South Louisiana Bank - Developing Lafayette -](https://news.google.com/rss/articles/CBMiwAFBVV95cUxNOEEzMDI1WWhZY2lWRE4xRGcwLXFobElRd2ZVdE01MWY3UE9ETFdlTW8wYzJZYm9rdl85aUhMUHUzWklIa1R5OEd0T25NZkxtMHo2X1puWWY0ODJCN3dvYWR0NFhHWDV2WWV5SzRxVEpwWXBCNWpKTHlYdzZNMWkxZ25uOWRkTl9RcDVPaEtOWGxBNUdVbkhBZEtFbXR4a0dzUDV4NFhqZC1Nd29TcXZWR1AzQ2kydlhJYWZoNDhoWWM?oc=5) · Developing Lafayette -
- 2020-01-30 [Former bank CEO named Most Useful Citizen - Daily Comet](https://news.google.com/rss/articles/CBMiogFBVV95cUxQS29uYUxfOVAydmhFcVhHV0xEWmxlUzhsVDZIYVVtS2RfREc2R2tQNFpqYm96UGxGRXpNdmlDd1FiNW9CbTdoMHQ5WjlvT2Zzb3Q1czA1dkNOcGxTUHdWQm5xTldteVZwRllEc2xDRUZnd0xhbS16dEFBTU9zdDNuMWltSlZIZjhjUGhNc0p0eVphcDZjT2tpRUpBdXFBczdBMnc?oc=5) · Daily Comet
- 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
- 2024-08-19 [TPCG announces closure of Government Tower Parking Garage drive thru for Utility Customers - The Times of Houma/Thibodaux](https://news.google.com/rss/articles/CBMiuwFBVV95cUxOb19fQnBFc3o0dVptNm9GMEkzTjhIbVpGdVg3Mm5oanlBZE9DaXZIZ044VktmTFZvcVF1ZmY0RGd4RnV5TTlTZFZRSUl1Z29VbHYyMm02SXpIaURrcW0zZmw3WUtubkVocUJyWTh6TTBqdU5UdXVqWTZjNGFYVzFXaWtlaDBwV0labU1VY3NMYmZmbE5yTy1mbzlyMzBsY0FYaGVQVFFCeXNpd1JuVWgxb1AwVjEzdHJGMWJz?oc=5) · The Times of Houma/Thibodaux
- 2025-06-25 [Michael Ward Obituary - New Orleans, LA - Dignity Memorial](https://news.google.com/rss/articles/CBMihgFBVV95cUxPRFM5M21wendvc0U4UVZ2NVdjUlBDR01DYUlZSFZEckltTjJXVmprdHB2Q1MxcWZWdTF1NzhBcFJVeWNjZzg4bm5nMllkQ3dmM1pHTUVacEZfSmFDQ090bVg0LTZYNE1pQl80R2ptQlBjdEwzcG56OFYxS1pqZmFaWVk3Uy1OQQ?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=23144 (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/40.json (key "23144", 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