# FIRST NATIONAL BANKERS BANK
BATON ROUGE, LA · FDIC certificate 25247 · asset band $300M-1B · latest filing 2026-06 · live

**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 | $983.0M | |
| Deposits | $383.9M | |
| Loans and leases | $544.5M | |
| Total equity | $165.4M | |
| Loans / deposits | 137.34% (p100 of band) | 82.04% |
| Liquid assets / assets | 38.05% (p80 of band) | |
| Uninsured deposits / deposits | 69.93% (p99 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 42.30% (p99 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 16.14% (p93 of band) | 10.81% |
| Unrealized securities loss / equity | -4.51% (p65 of band) | -8.10% |
| AOCI / equity | -0.07% (p68 of band) | |
| ROA (annualized) | 0.82% (p22 of band) | 1.28% |
| Net interest margin | 3.30% (p20 of band) | 3.91% |
| Efficiency ratio | 81.23% (p90 of band) | |
| Noncurrent loans | 0.78% (p66 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p20 of band) | |
| Reserve coverage of noncurrent | 404.05% | |
| Real estate % of loans | 75% | |
| Construction % of loans | 35.78% (p43 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $80.1M (48% of equity) (p99 of band) | |
| Deposits YoY | 11.3% | |
| Employees | 132 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **uninsured deposits >50%** (`liq_uninsured`)
- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | loans exceed deposits, wholesale funding >15%, loans-to-lenders >50% equity |  |
| 2011-06 | 4 | reserve under noncurrent |  |
| 2011-09 | 3 |  | loans exceed deposits |
| 2011-12 | 4 | capital falling |  |
| 2012-03 | 4 | NIM <2.5% | capital falling |
| 2012-06 | 4 |  |  |
| 2012-09 | 5 | assets shrinking |  |
| 2012-12 | 3 |  | loans-to-lenders >50% equity, assets shrinking |
| 2013-03 | 6 | uninsured deposits >50%, loans-to-lenders >50% equity, deposits shrinking |  |
| 2013-06 | 7 | loans exceed deposits, assets shrinking | deposits shrinking |
| 2013-09 | 7 | deposits shrinking | assets shrinking |
| 2013-12 | 7 | capital falling | deposits shrinking |
| 2014-03 | 6 | deposits shrinking, assets shrinking | reserve under noncurrent, NIM <2.5%, capital falling |
| 2014-06 | 4 |  | deposits shrinking, assets shrinking |
| 2014-09 | 6 | deposits shrinking, assets shrinking |  |
| 2014-12 | 4 |  | deposits shrinking, assets shrinking |
| 2015-03 | 6 | charge-offs p90, reserve under noncurrent |  |
| 2015-06 | 7 | capital falling, deposits shrinking, uninsured deposits leaving | charge-offs p90, reserve under noncurrent |
| 2015-09 | 4 |  | uninsured deposits >50%, deposits shrinking, uninsured deposits leaving |
| 2015-12 | 6 | uninsured deposits >50%, noncurrent p90, reserve under noncurrent | loans-to-lenders >50% equity |
| 2016-03 | 7 | loans-to-lenders >50% equity |  |
| 2016-06 | 7 |  |  |
| 2016-09 | 7 | charge-offs p90, assets shrinking | noncurrent p90, reserve under noncurrent |
| 2016-12 | 5 |  | capital falling, assets shrinking |
| 2017-03 | 5 | expense ratio p90 | charge-offs p90 |
| 2017-06 | 7 | capital falling, charge-offs p90 |  |
| 2017-09 | 9 | noncurrent p90, reserve under noncurrent, deposits shrinking | capital falling |
| 2017-12 | 7 | losing money | noncurrent p90, reserve under noncurrent, deposits shrinking |
| 2018-03 | 5 |  | charge-offs p90, losing money |
| 2018-06 | 6 | capital falling |  |
| 2018-09 | 7 | deposits shrinking, uninsured deposits leaving | capital falling |
| 2018-12 | 6 |  | uninsured deposits leaving |
| 2019-03 | 7 | assets shrinking, uninsured deposits leaving | expense ratio p90 |
| 2019-06 | 5 | expense ratio p90 | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2019-09 | 5 | noncurrent p90, reserve under noncurrent | loans-to-lenders >50% equity, expense ratio p90 |
| 2019-12 | 6 | capital falling, assets shrinking | reserve under noncurrent |
| 2020-03 | 5 |  | assets shrinking |
| 2020-06 | 7 | reserve under noncurrent, loans-to-lenders >50% equity |  |
| 2020-09 | 6 | deposits shrinking | capital falling, reserve under noncurrent |
| 2020-12 | 7 | expense ratio p90, charge-offs p90 | deposits shrinking |
| 2021-03 | 6 | capital falling | loans-to-lenders >50% equity, charge-offs p90 |
| 2021-06 | 7 | NIM <2.5% |  |
| 2021-09 | 7 |  |  |
| 2021-12 | 7 | charge-offs p90 | loans exceed deposits |
| 2022-03 | 5 |  | capital falling, charge-offs p90 |
| 2022-06 | 7 | loans exceed deposits, deposits shrinking |  |
| 2022-09 | 7 | assets shrinking | NIM <2.5% |
| 2022-12 | 7 | uninsured deposits leaving | noncurrent p90 |
| 2023-03 | 7 |  |  |
| 2023-06 | 8 | charge-offs p90 |  |
| 2023-09 | 8 | construction >100% equity, loans-to-lenders >50% equity | assets shrinking, charge-offs p90 |
| 2023-12 | 9 | capital falling |  |
| 2024-03 | 5 |  | expense ratio p90, deposits shrinking, uninsured deposits leaving, capital falling |
| 2024-06 | 4 |  | construction >100% equity |
| 2024-09 | 5 | assets shrinking |  |
| 2024-12 | 6 | capital falling |  |
| 2025-03 | 5 |  | assets shrinking |
| 2025-06 | 5 | assets shrinking | capital falling |
| 2025-09 | 4 |  | assets shrinking |
| 2025-12 | 4 | expense ratio p90 | loans-to-lenders >50% equity |
| 2026-03 | 5 | loans-to-lenders >50% equity |  |
| 2026-06 | 3 |  | expense ratio p90, loans-to-lenders >50% equity |

## 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
- 2024-04-03 [First National Bankers Bank: An invaluable partner to community banks for 40 years - Baton Rouge Business Report](https://news.google.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?oc=5) · Baton Rouge Business Report
- 2024-08-07 [First National Bankers Bank Celebrates 40 Year Anniversary - The Lafourche Gazette](https://news.google.com/rss/articles/CBMi6wFBVV95cUxNbFJXQ3NVYjlXWDRuODJqT2pYTWNkSWxMb2JmU0dMS1RlVUlZbWNsY2Z0YWdMVU01TWR1bXhfR1hLNjAyQjdOcWNmUGVBQm9HN1VMRWtTYlZhS3NRdlZCQkN3eXplN3k5VWVzWm5Md3E0c3Y5VUljVEZybTJFRExxMWlwSFVIVWQ4cmFiQjZzSjRvaUlKRmEwV3VmVDZYNHRLX3ExZ1AydmpCaU5FaWgweU1DVERMTEFHcU1JbXFScUNVOFB3bGpEMFd6OE96RDJpeGFxVllkXzJQOUZzLUJWWjRrWmotZEdXUllJ?oc=5) · The Lafourche Gazette
- 2015-09-25 [First National Bankers Bank Completes Merger with Independent Bankers' Bank of Florida - PR Newswire](https://news.google.com/rss/articles/CBMi2AFBVV95cUxObkFxbzVwaC1obDRLR1k2M2tlVk9uRkpmZ1VISFBySlBFcEMwemg1VGZ1bjYwbldDR0FNd1RwUG1uUy1TRFVhUTFTTTFja2ZtdFFZanY5bGFDQjFuaGlDOU1QMTZaTS1YY25OMDdzeWE5VkZTZThmZDdYR19yR1pJajlOYVFKLThtbmxQeE5NMFhoTmVtV0ZtQndERURuNzNFZUZsQ1VBY2ttSXdGT2U3SUVsYTRzQjFZdzlWOXNSRGdEQk9FQ3o2ejFMNFRVT0VkLTlCbFJLS2w?oc=5) · PR Newswire
- 2024-06-02 [New board member at La Capitol FCU, changes at Junior League of New Orleans - NOLA.com](https://news.google.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?oc=5) · NOLA.com
- 2026-04-30 [Cliffie Shroyer Anderson's Obituary, Visitation & Funeral Information - E.J. Fielding Funeral Home & Cremation Services](https://news.google.com/rss/articles/CBMic0FVX3lxTFBCX3MtVmxtVUl0TkhhRG8yRG1EdS1DclRIeHBiSjdlVlItSFgwRlFSVjM0SUNDbU9jUmxfVXI4SVRZOXVUanpKMk9TMndRaVMyaDZ3enZaZEh3Vnd2TWdrUlhQVTdNRFk1N3h2Yy1zYXQtVkk?oc=5) · E.J. Fielding Funeral Home &amp; Cremation Services
- 2021-06-04 [Acadiana newsmakers: State bankers group names Brent Vidrine with Bank of Sunset chair-elect - The Advocate](https://news.google.com/rss/articles/CBMinAJBVV95cUxNVlpVbW9hVDRoMFVYdEI5Nk9oVkhqYUhJcTNGU1c5QVl2akhKWWNXV3VMRjdZZUNKRUZPVHQ3dlp4bUlKZk5lQnhpazFoU1Z1ZlM3YTFZNUk1aG0xa3RZZjhiT1dDUVowWXdRTWVWRl9DZ0w5dEo1VlU3bG01XzB6ZWw2NnY1dFBTSDJ6R3hmUE96a29tenhfcnk3aWtjZFVzVnRVYndSYXJJbnh3M3lCdDJYNjVRbjkwcjdsMWxfZWdUbk1tV1VER3lnMUZaTGZCNFVGWm93SDJHSHdjeFVFb0ZSMWI0Sm1qcnVSOTdFMGxLRTRteFJrdWRIT0pVNWVHTnpwal9zcVVIQnVQaUUxZTlrdnpWdTE5eTNzcA?oc=5) · The Advocate
- 2016-02-14 [Lawrence Allen"Larry"Melsheimer Obituary - Baton Rouge, LA - Dignity Memorial](https://news.google.com/rss/articles/CBMimwFBVV95cUxNYlU4TXJIRmE2TkZ6YXlEZDh6ZHdGeVl0ekdEcGJXY2pQSlNmM0ZXMS1rR2tlWUpZYWJ1XzdaZUJCOEMySDVpblR5LVJXNzY4X1RoT3ZfZ3ZvVWp6MnRDaHlZN3hzd29sWmpzeDlNR1JxQ1BQM010eU9KREx2ZGg3X1U4WmNGWkN0ZlVyN2VJZ19xbnpGUFpnNFVvQQ?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=25247 (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/31.json (key "25247", 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