# FIFTH DISTRICT SAVINGS BANK
NEW ORLEANS, LA · FDIC certificate 27697 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $531.8M | |
| Deposits | $414.8M | |
| Loans and leases | $395.0M | |
| Total equity | $111.2M | |
| Loans / deposits | 94.82% (p81 of band) | 82.04% |
| Liquid assets / assets | 21.32% (p36 of band) | |
| Uninsured deposits / deposits | 9.74% (p4 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 21.41% (p97 of band) | 10.81% |
| Unrealized securities loss / equity | -4.79% (p64 of band) | -8.10% |
| AOCI / equity | -0.26% (p55 of band) | |
| ROA (annualized) | 0.33% (p8 of band) | 1.28% |
| Net interest margin | 2.89% (p8 of band) | 3.91% |
| Efficiency ratio | 85.36% (p93 of band) | |
| Noncurrent loans | 0.09% (p22 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | 495.34% | |
| Real estate % of loans | 94% | |
| Construction % of loans | 20.35% (p25 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -2.3% | |
| Employees | 68 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)

## 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 | 1 | reserve under noncurrent |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 0 |  | reserve under noncurrent |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | reserve under noncurrent |  |
| 2015-09 | 0 |  | reserve under noncurrent |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | uninsured deposits leaving |  |
| 2016-12 | 0 |  | uninsured deposits leaving |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | capital falling |  |
| 2018-12 | 0 |  | capital falling |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 | expense ratio p90 | capital falling |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | expense ratio p90 |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | capital falling |  |
| 2022-12 | 0 |  | capital falling |
| 2023-03 | 1 | expense ratio p90 |  |
| 2023-06 | 3 | capital falling, NIM <2.5% |  |
| 2023-09 | 2 |  | capital falling |
| 2023-12 | 2 |  |  |
| 2024-03 | 3 | losing money |  |
| 2024-06 | 4 | capital falling |  |
| 2024-09 | 3 |  | capital falling |
| 2024-12 | 3 |  |  |
| 2025-03 | 2 |  | losing money |
| 2025-06 | 1 |  | expense ratio p90 |
| 2025-09 | 0 |  | NIM <2.5% |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | expense ratio p90 |  |
| 2026-06 | 1 |  |  |

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

- 2024-07-30 [A New Orleans bank is about to go public on the NASDAQ stock exchange; here are the details - NOLA.com](https://news.google.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?oc=5) · NOLA.com
- 2025-06-02 [Brian William North Obituary Jun 2, 2025 - Mothe Funeral Homes, LLC](https://news.google.com/rss/articles/CBMiYkFVX3lxTFB1LVF1V2l0SkFkOHgxY2Q1d3Vqd0lHX2IteFRudnpsb2JmWVowLUpHOWtoS0dhNjVHNDFNelNLbDZ2NTQxUlhIazYwRnluY1FjM21xWV85N0cxQVRsYW9VTjhn?oc=5) · Mothe Funeral Homes, LLC
- 2021-09-01 [Michael E. Nolan - irishamerica.com](https://news.google.com/rss/articles/CBMiY0FVX3lxTE5FczN5TVZWbFZzZkloSnFhS1J4OGNnWnAyU2tzZVZrdEhlamtaRWY0dWlKdjgxTUVra0RYeU41elRmdThFLXNQMzVTUEVYTG5BckwyQTVNMkZRMU5FWWlyMmFZQQ?oc=5) · irishamerica.com
- 2009-03-02 [Homesteading - New Orleans Magazine](https://news.google.com/rss/articles/CBMiVEFVX3lxTE02VlhDWkctS05CeVh3aWRmaTh3MXZxR3lRbGFLM1M0LUhxTEtveG5SMDJ1Q0pCWnllTVNrZm9lSUhsZXFWQkNOMzdQXzIzOFJSZlpvSg?oc=5) · New Orleans Magazine
- 2024-03-14 [Big changes coming to three local New Orleans banks that will reshape how they are owned - NOLA.com](https://news.google.com/rss/articles/CBMi1gFBVV95cUxPcHU3S081R3FCV3JzT0Vqd0FOWVVVWjV6QnQxZm9iRU5vMnhEVzBMWmltUFkzZDcwaFBkY1drXzQxcGdmTTl2dDVubmZZdXE3T0doTWNhLUhwR0ZlNWhLQ0JDZy1pNGZYNnRNR3R4a2dmTFE4bk1QRnFYalJ4THNIT0FPSnFWLWJrWllnZVRUdWlKNnctc3NFemFvODgxQXpUdTdkYWd6SkFXR0x0ajVBVEkzZDJxdkhYMTRNTWg1a09lRE1JZTZqVVpxcjJQU0k5Qlduel9B0gHbAUFVX3lxTE9CTFpsdmtyN0hUT21xeF9sMkZTbFVoY2xRLTJtWXdHSVVkQllqWE4tTjk5cEQtUXVPcy1BRFdUMkZDS2YwekJLQ2hfQnllTW9BY21lTUhVTHQ2ZWh1WEMzUnQ0MjdiRVFzVmwyVWcyU0NUZS1SOFBWa284WFd1Z3NaQWdmS3hpWFpzOE9QTzhVMjRNMWUzaUpCejhQaVIzZWtxdWl2N2htQ1Iyc1RSd3lxUDJQVHpfRVUweFRkWlpUcm52UFFLUVdYcUxtR2tZcG9Ubzh2TjdvZmFlUQ?oc=5) · NOLA.com
- 2015-05-23 [People in Business for May 17, 2015 - The Advocate](https://news.google.com/rss/articles/CBMi1AFBVV95cUxPelRpVEVOVnlOTEpBTFIwenpsREtKVy1UQzdBdWlKVkJub1pVRzVHX0llcEhqRV9lUFl4TTk1S1JHa2xuLTRORVhHTWhaSnlyUVZoYnFYSDhSMmRqN2JBWkFmV3U4OE1GVGN4MGQtZWhLbXFfNU9kYUJBVmR3d2FsOVlIaC01RWdSQ2MwZ1BlUmViM0h1SmxXTTQ3RkxVQmdFMWRkMkFDT3EzOGFaUkh6YUtMUTlCcUJfeTRudVV6cllNYmg5b2xycE1PbXlLN2VEOGdOVA?oc=5) · The Advocate
- 2025-12-08 [Karen Elizabeth LeCompte Obituary Dec 8, 2025 - Mothe Funeral Homes, LLC](https://news.google.com/rss/articles/CBMiZkFVX3lxTE1EUVppUzY3UDRVdXRqOXRlVHJ0TWxtNlp2dUhLVjlvOUd1RlI4WGU2c2NrUjlrRTJRUE5qbXdlYmhoal9Ud2dlZGdIV0Q2eF9hSVpXYVJlV19uNlRIZDFMbW9fQ1hYdw?oc=5) · Mothe Funeral Homes, LLC
- 2011-07-12 [John Donner Nolan Obituary Jul 12, 2011 - Mothe Funeral Homes, LLC](https://news.google.com/rss/articles/CBMiYEFVX3lxTE9ld3RqSklHeEdnNUNPTU9UNFBqT19TOFNGM25iZnBrTHU0LWt6SWtnanFvWE5OWkVJTDZNbGtSSHI5N3NadnlmQUhfMUVfOXdyb0tzWnRTWWpaZ01jQkl3aw?oc=5) · Mothe Funeral Homes, LLC

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=27697 (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/49.json (key "27697", 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