# BANK OF NEW ORLEANS
METAIRIE, LA · FDIC certificate 28411 · asset band $300M-1B · latest filing 2015-06 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (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 | $347.2M | |
| Deposits | $216.7M | |
| Loans and leases | $290.8M | |
| Total equity | $49.7M | |
| Loans / deposits | 133.07% (p99 of band) | 82.05% |
| Liquid assets / assets | 13.92% (p15 of band) | |
| Uninsured deposits / deposits | 12.03% (p20 of band) | 19.19% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 22.44% (p93 of band) | |
| FHLB advances / assets | 22.44% | |
| Tier 1 leverage | 14.88% (p93 of band) | 10.09% |
| Unrealized securities loss / equity | 2.45% (p82 of band) | 0.40% |
| AOCI / equity | -0.03% (p72 of band) | |
| ROA (annualized) | 0.95% (p53 of band) | 0.91% |
| Net interest margin | 3.34% (p33 of band) | 3.56% |
| Efficiency ratio | 60.48% (p26 of band) | |
| Noncurrent loans | 0.52% (p35 of band) | 0.80% |
| Net charge-offs (annualized) | 0.00% (p21 of band) | |
| Reserve coverage of noncurrent | 165.58% | |
| Real estate % of loans | 100% | |
| Construction % of loans | 0.20% (p3 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 4.8% | |
| Employees | 69 | |

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | wholesale funding >15% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 2 | securities losses >30% of equity |  |
| 2012-03 | 2 | loans exceed deposits | securities losses >30% of equity |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 3 | reserve under noncurrent |  |
| 2013-12 | 2 |  | reserve under noncurrent |
| 2014-03 | 2 |  |  |
| 2014-06 | 3 | uninsured deposits leaving |  |
| 2014-09 | 3 |  |  |
| 2014-12 | 2 |  | uninsured deposits leaving |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 |  |  |

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

- 2026-07-25 [New Orleans SWB issues boil-water advisory for West Bank - WDSU](https://news.google.com/rss/articles/CBMimgFBVV95cUxPRmdwaWRSbEtKVnp3Tl94SVZGUTA5Ui1QVGNZUG9wMl9MUC1LRnlfVjNDeHdJOUdtbWJCSVpZaHdXTm5sYXZpUFdlTTFQNGhldXFwMnJFWUZSWVhtVmVfMHpNemFBQmJIaUhBdUdfMEpOSWJOd0M2VFlfcnh0REJBb2lEUGRZbVBzemR5NnAya2lVYy1sM0h3eFhR?oc=5) · WDSU
- 2026-08-09 [Entire West Bank of New Orleans remains under boil water advisory as testing begins - NOLA.com](https://news.google.com/rss/articles/CBMirAFBVV95cUxQMkVkLWxWcTV1SHh2TnFGLV9xT193X0hFX3dNR21LcFVIVU5xUEJtY1VMQUdKc24zRndIU0Izek9QbWpVbEhSdnBYNE1FeTdIOTJHS3diSDRxVDlydkMxdmVsemJmOTNZbWc4TEJZR2FQTmNpTENTTll0cUtOWUJUSnNza1hQV1RqZ3lpR2JlREotZjFuWG9jdW5KakE4Q2xySS1wZm9DWXRGR2Q40gGyAUFVX3lxTFA3NmFLdE5VUjB4LVNfRGh4VUZSUWNMT0NzdUV1dmxsQ0pGWll4UGxkX3Vfd2NwakxtZENXX2VEVHZodFFTMjBaSVh0aGJNVGppSHNZNm1rLTV4Q0w5ZXdjREN0N0l4MTI2NHZwN0F0ME1RTk1Vc09Kajd2cE42bmk2X2pWdU5jb2JsWFhCZm5aWUNmcUN5X0haRFI3UVFpem1HUElnRl91NnhNRnppdmstd2c?oc=5) · NOLA.com
- 2026-07-25 [SWBNO testing water samples amid active boil water advisory for New Orleans’ west bank - fox8live.com](https://news.google.com/rss/articles/CBMivgFBVV95cUxPSE01b09pMWt2cFRPVnB4ZWFxdDZTT3FvVlZlVks5YXVDQVVmS3RxRW82cDhkQkxpbDZLSWMyU0ZGSHZkV2d5dm54V09MTktqV1lxMXI0RUtpVnNKTkpUX2NIeFRYQllUdDlIUUdCcnlyRzh2UXZLdW9MQm9Kc01MejRwckJBMU5YZGpRMXFFSUFFWkszLXRnZlR5bEpqVXBZeFBjUlI2SVZSQmVTSWVDZFp1UWxHVThFNEVGODJ3?oc=5) · fox8live.com
- 2026-07-25 [Precautionary water boil advisory in effect for West Bank of New Orleans - NOLA.com](https://news.google.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?oc=5) · NOLA.com
- 2026-07-26 [Boil water advisory lifted for New Orleans’ west bank, SWBNO says - fox8live.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxOMU5QcXBUMlYtY0RlRDFhVHpCRTJSd0NWQU9ob0k2Y3BmSGRfYk5rU1hQcERMNEdZa2Q2SzFqWDlwcEV3b0E2YWp6ZU9NdUV0Nm5zZXR5VHlrbnpxQldNY3lFc21yN2doV3psa0ZwNHdyMUVQZFhMU1BUMThXbHdLa0xEMmIyeG9MTGUtbC13TGpSWWg3bUkxWl96cWM?oc=5) · fox8live.com
- 2026-06-04 [Flood Protection Authority board leader, police chief suddenly out as hurricane season begins - WWLTV.com](https://news.google.com/rss/articles/CBMihAJBVV95cUxQMmlNMTBacG9SX0t1N3ZNeXBuYWxEbW1yTmVWdG1NeFFGWnc2M3dGV2h4OEVjcnM2MTY2Skl3dzlmMnRhS1VRR212WnlmVHZScEpydDJiZS1JczNlSjhMcERLUW5vTE05N2VUZld0TGtyNWV3SmxzRTV4MWJmMXF4SEVfYUR2ZS1YV1VKcUVjTVcteFRJdU9WbHdwQTdWWnZraDREbl9IWkhMcnZzN3RZd0ljRXRFQ09kb3UyTmFoOGdwejg4bXFGMHhIdE5iMWJRRmhiUDAyem9oeWYwb3pkdFlLS1NBdTUtczJFdWdJNHBfWlQ4VFhKbW1JQ2dYQUpmMkVlSQ?oc=5) · WWLTV.com
- 2020-05-06 [The Best Bank? West Bank an essential part of NOLA, says Tulane professor - Tulane University News](https://news.google.com/rss/articles/CBMikgFBVV95cUxNLTlxNzlRVEE5Q2lrYmlGVkRtT0hwczhPVW5hbXBCdnc1NXJadGV6ekgtYmk5b19MVXBQT0JIQlAwdVRUR2o5a2ZnTnVxcDIwWl85V1hFV0NkUTY3cHZpWjBuN3NESFdKcjg1TWZMb2NsT212T1E5NzZYcjR3T0JCQnhlV2hmZmtib0RFcVlfdHZCQQ?oc=5) · Tulane University News
- 2023-03-13 [Metairie Bank Announces 3 New Board Members - Biz New Orleans](https://news.google.com/rss/articles/CBMiekFVX3lxTFAtcXpxbndHdENQZUx0YW96Z0hwZXY1TVhiLWdIWUNra3RtTldGMC1BNmpBY3l0clFjQ1lyME1JcFIzbExiZUJGQUU5elJJYXRnWFpESUV6TTV2aVVoM2p5UVQ3YW8xMHZlWi1JVWZicUp2ZGwzeVFIcXNB?oc=5) · Biz New Orleans

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=28411 (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/59.json (key "28411", 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