# TECHE FEDERAL BANK
NEW IBERIA, LA · FDIC certificate 29028 · asset band $300M-1B · latest filing 2014-03 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $861.1M | |
| Deposits | $662.6M | |
| Loans and leases | $706.5M | |
| Total equity | $85.0M | |
| Loans / deposits | 105.48% (p96 of band) | 77.60% |
| Liquid assets / assets | 11.67% (p6 of band) | |
| Uninsured deposits / deposits | 9.79% (p18 of band) | 18.11% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 12.62% (p79 of band) | |
| FHLB advances / assets | 12.62% | |
| Tier 1 leverage | 9.29% (p32 of band) | 9.94% |
| Unrealized securities loss / equity | 1.41% (p79 of band) | -0.21% |
| AOCI / equity | -0.01% (p7 of band) | |
| ROA (annualized) | 0.96% (p63 of band) | 0.81% |
| Net interest margin | 3.96% (p75 of band) | 3.57% |
| Efficiency ratio | 72.74% (p57 of band) | |
| Noncurrent loans | 0.47% (p23 of band) | 1.12% |
| Net charge-offs (annualized) | 0.07% (p64 of band) | |
| Reserve coverage of noncurrent | 225.53% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 55.13% (p71 of band) | |
| Auto loans | $3.1M (0.44% of loans; DQ 1.29%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -0.9% | |
| Employees | 278 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)

## 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 | 3 | loans exceed deposits, wholesale funding >15% |  |
| 2012-03 | 3 | capital falling, uninsured deposits leaving | loans exceed deposits, wholesale funding >15% |
| 2012-06 | 3 | loans exceed deposits, wholesale funding >15% | capital falling, uninsured deposits leaving |
| 2012-09 | 3 |  |  |
| 2012-12 | 1 |  | loans exceed deposits, wholesale funding >15% |
| 2013-03 | 0 |  | reserve under noncurrent |
| 2013-06 | 1 | loans exceed deposits |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |

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

- 2014-06-10 [IberiaBank completes Teche acquisition - theadvocate.com](https://news.google.com/rss/articles/CBMi2gFBVV95cUxQVl8yTFdBV0pmdnZLMFVsMVVRTFRIMzNOaWhyakdkRUhJMEpoLXBPUExSalFpamdzYXMtc0VpMEd2b2pZaFFpRGRsbmdmRUpNb09vOVduamNyX1dVeUtFLWV2SWo4Wl9GMXFCNlFlZXg2Y0xqdHNhS0pkRVlDVWdReWJsYWpUa1JYSjBoV0hEU1duNnpNMjdwRGxBU25vSTJpdnpkRmF0RnJycmVLY19CNnFrdW95QXBIZS1oWE14TTJpT3d0YVRubHNoOUZIdXNWcXRUWG5zZjhnQQ?oc=5) · theadvocate.com
- 2011-04-13 [Bank robbery suspect returns to Louisiana - WAFB](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPSnI4YU50ajlGcFZnSnhIQkZZeS11RE5jTVVOMlo4bFM5T0Y3WnFyY3NXalR5aXg2enNTNU5UT2R6cmswZHFmSW92bi1RODhqWFZ3NjBwanFtWGZNRGxZVEtobkpEd0hJRjBieXkzUEdzY3RjWmpyV3VBU1dZN0w4WmZLWlZKSFhV0gGbAUFVX3lxTE81WGxkaUN1bTZWVzVkc3hyQTg5dk15c3dOOTlaeC1FSEx3UWZrSGYzSjdlLVFLMDlLNzBDemNad2dOTDN1RUZ3bW1LM2NPRXdtNHVHQXd6amxSYlFtZ1hiNGhzNm1kcVU5VTdUOU9LTWxkb3VwNFB0OUt2amFtSFQ5SjluTXlQRG13ZDlvZndzeXoxamJLTjNoM1Zj?oc=5) · WAFB
- 2013-12-12 [UPDATE – Suspect Named In Teche Federal Bank Robbery - 96.5 KPEL](https://news.google.com/rss/articles/CBMigAFBVV95cUxNeVIyMU8wTl9yd21GTHJ4MGVHY3pEQ3k2YVhSZm8yNzVZcVdIaHdtVHJoelEyZV9haVpSTGI1VzdaaC05bGZOWmJjUUxuQktRY0VpMU5KMVlERXhvOXZqbndkOVlsdmRtSEZNZ3JQWlpfOVJCLTJIWVdTdUJCU3RNTw?oc=5) · 96.5 KPEL
- 2022-05-19 [Genevieve Guidry Price Obituary May 19, 2022 - Twin City Funeral Home](https://news.google.com/rss/articles/CBMiY0FVX3lxTFB5ZWtndDN6WkJjNTdyc19BMTNMbjA4V1dNM3k2RHdhSzUzcmJNU2NyOWFYY1VSQ3Nxb1lRNTlnQ2J3YUhrc0FxazQxUWZneU1sc0lxaWp3cnJpd1BUQkRuVDAtMA?oc=5) · Twin City Funeral Home
- 2017-09-01 [Ernest Freyou Obituary September 1, 2017 - Pellerin Funeral Homes](https://news.google.com/rss/articles/CBMibEFVX3lxTFBnMHMzcEx3V1FIWV9pQTdUOGV3SXZmTklYRGdKbFN5U3JjUG1GN0xuX0Y1U21mZ0g3eEtKRmRkUW1vTWF6SDdtaEFybFRpUnZMeVU1Szd2WnRFTVNkVV9zWVdkbnBqaVpib3dSeQ?oc=5) · Pellerin Funeral Homes
- 2020-07-10 [Acadiana newsmakers: JD Bank promotes 4 - theadvocate.com](https://news.google.com/rss/articles/CBMi1gFBVV95cUxPU3RLUFFfUzZnVVpsNnoteXVybzc3WFhvZ3hqY1EwNDh0RTJFa09vVzIzRy1aalBROFlsbzlrOE04QzdZUktZZUFZN0pCTTJZYU11UFNscXM4R1pMR0tVRGxPZFROc1FWT2ZHdExzRDdtcnY5czZFQWdSbi1fXzd2bHljSFpIdU1nQmZFYVNxdS1IZk4zVXBKdmFYOHBJNDh3MUpHS2hkZlpPbUFac3U3VjNEdHE0RlNsdlZWNU0zLWFIQlV5T0dWMlVrdXFvbnd1bld0YjJ3?oc=5) · theadvocate.com
- 2008-05-22 [Eric Paul Pierret Obituary May 22, 2008 - Pellerin Funeral Homes](https://news.google.com/rss/articles/CBMibkFVX3lxTE9WQ2R4STVhVExOUm0ydVJPbVFnZGlzelBLM2FJd0VLN1NsSUVUdkFZZlJwUmswT21KOUc3LVJmeHdMU1l6MFJuM00wX0x5UXZKRkx1aGdpQ3RSdF9Ldng2dktFMkNPVjRaTFlVNUZ3?oc=5) · Pellerin Funeral Homes
- 2006-08-13 [Christian Olivier Obituary (2006) - New Orleans, LA - The Times-Picayune - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxPWkFmNzRMeUNzaG1sdEJRQ2RXZjMwa0NlbHFDNUlubWQ4RDgweXgtTm15RUMwamVvYjUzOFA4ZWkxOF9xVnBFbDVUMzdoOGhMZVFySEFuRmk5TzRqSVBVNFBoanBldzhuVEFHM3c5cGc3VURfT0Z0dDVod0xUT3Z5V2VQOVcyRGViWEs5c0tR?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=29028 (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/36.json (key "29028", 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