# HIBERNIA BANK
NEW ORLEANS, LA · FDIC certificate 29831 · asset band <$300M · latest filing 2018-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. 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 | $125.8M | |
| Deposits | $106.3M | |
| Loans and leases | $105.4M | |
| Total equity | $18.3M | |
| Loans / deposits | 98.25% (p87 of band) | 76.78% |
| Liquid assets / assets | 11.71% (p8 of band) | |
| Uninsured deposits / deposits | 21.40% (p73 of band) | 15.22% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.79% (p43 of band) | |
| FHLB advances / assets | 0.79% | |
| Tier 1 leverage | 14.31% (p80 of band) | 11.19% |
| Unrealized securities loss / equity | -1.00% (p68 of band) | -2.38% |
| AOCI / equity | -0.48% (p68 of band) | |
| ROA (annualized) | -0.46% (p3 of band) | 1.00% |
| Net interest margin | 3.27% (p22 of band) | 3.78% |
| Efficiency ratio | 121.52% (p98 of band) | |
| Noncurrent loans | 0.76% (p57 of band) | 0.57% |
| Net charge-offs (annualized) | 0.00% (p25 of band) | |
| Reserve coverage of noncurrent | 116.08% | |
| Real estate % of loans | 97% | |
| Construction % of loans | 20.16% (p54 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -1.7% | |
| Employees | 22 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | loans exceed deposits, reserve under noncurrent |  |
| 2011-06 | 3 | liquid assets <10% |  |
| 2011-09 | 4 | capital falling |  |
| 2011-12 | 4 |  |  |
| 2012-03 | 4 |  |  |
| 2012-06 | 2 |  | reserve under noncurrent, liquid assets <10% |
| 2012-09 | 4 | liquid assets <10%, reserve under noncurrent |  |
| 2012-12 | 4 |  |  |
| 2013-03 | 2 |  | capital falling, liquid assets <10% |
| 2013-06 | 0 |  | loans exceed deposits, reserve under noncurrent |
| 2013-09 | 2 | capital falling, uninsured deposits leaving |  |
| 2013-12 | 0 |  | capital falling, uninsured deposits leaving |
| 2014-03 | 0 |  |  |
| 2014-06 | 2 | loans exceed deposits, deposits shrinking |  |
| 2014-09 | 3 | assets shrinking |  |
| 2014-12 | 1 |  | deposits shrinking, assets shrinking |
| 2015-03 | 2 | capital falling |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 3 | liquid assets <10% |  |
| 2016-03 | 2 |  | liquid assets <10% |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 1 |  | loans exceed deposits |
| 2017-06 | 2 | loans exceed deposits |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 0 |  | capital falling, loans exceed deposits |
| 2018-06 | 2 | losing money, expense ratio p90 |  |

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

- 2026-04-09 [Abbeville council approves controversial Hibernia building takeover - KLFY.com](https://news.google.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?oc=5) · KLFY.com
- 2026-04-09 [Abbeville Mayor rips police jury over condition of Hibernia bank building - Vermilion Today](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQdS15STBWYk4tVkpZTXRaM1lEWGJtWmlJOGg3VXN0eHMxYmpodklMZzhxc3Y1WHRBVkVtajBlVjV0NEZNN0NxREp6LVZOMWtRa0JwSHJ5VnRBREU4UW9nQnkzT0IzM3Jnc2FqNUtCalRjSUJ5bGxBME42WXJKQ2NvV2RtZFBTT2hrelRBeWdWSWlUcWs0cjFwQ1NYS1FEaU5Qc2hEX3NEWnQxZw?oc=5) · Vermilion Today
- 2025-12-17 [Former IberiaBank execs are back in the game, have big plans for Louisiana bank they’re buying - NOLA.com](https://news.google.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?oc=5) · NOLA.com
- 2018-04-11 [Louisiana approves Union S&L, Hibernia bank merger - KALB | News Channel 5](https://news.google.com/rss/articles/CBMinwFBVV95cUxQYmFNdGNXbGVWZk1LcEJiN1Y3QWdSdUpYYmR0Z2Eyb3Bqb1p2WlhjZXJRTXcxc2pXeHkwTFRhNmhQcWV2ZG5UVk9hV3Fvb3FmeV9BaWhFVnh6NVY3RmowUnNjZ3dQOWM5Y1BWcmZDTllsWkxVNmdCbGJseDU3SUJra1d2MzhBbUJKd21yUzdwdEN5aDJ4VHZNZXI4M0lkcUXSAbMBQVVfeXFMT1V4UW9yeG9LQmRfNGQzVWNNZTctQk1ydXBfQnBFSDJXWFpiLVFzbnN0YTRTd0ZCVlB3ZVhfdDZkOHZGZzFkVlhsb1RCUm1hbk9FcW55TmFlc3JyRG1ZZ1kyQTNkV3VuU3h4MTNEN3BfVTlsbFhZLWxDRWpOZ2pIZnRWUzJLcmhLbjYxZGphM2pSTUdPcUVWQ1BhLWRycm44MGFiSlRMMmxQdzh3NmNkb25qUm8?oc=5) · KALB | News Channel 5
- 2019-11-18 [Blake Pontchartrain: Is there a connection with Hibernia Bank and Capital One? - The Advocate](https://news.google.com/rss/articles/CBMipAJBVV95cUxQMWJvblJxb3pnV1RJZnRnRU5wSUJ3emR4MnFibTBES3d3VDZoMzdMajJ1ZGJOOTF2YmpyS21xSHNXY2ExTE5fa2t6S0RjSjRLM216WDB6VjRuQTRTWnhNOUVXNUZqQTZJc29IZGw3c095dGpXTFFtTjlrUTNOalc2aTZlenFScTdkcFpmS21TRWlvTTg5amdGWnZ2cHFwNmpoc2d5ZUszTTZJQTFHNmRjU0hYb2V1OXlySUZGVHM3YTZlMnl2R2ExM0VhQWdfcFhCeEs1TGNocVNaTnVkWUxieHBfbFpqZjhXcTVad2ExWlU0eHExeWF6RkJIUzc0Rlhpa0tmbXBBUzlXV3lrZEtyN0RGdC1RMTlVWEY4aUE5eFVMTEY1?oc=5) · The Advocate
- 2023-01-07 [Names in the News: People shaping the future of Lake Area business - American Press](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNb0tTMTM3dDRaRkVsVFBQX3lfZV84bUl3M1JKZ3hONHFLUUhPd3NQWkhCTXlSQXJYNUJnSDVUMzB3Y3lSc2hTdGRmaGNrZFRsYi1JVU55S0FXMHpsSHptYmVhaGk2eVo3VHlENENsc1JJYTdxTEVYcWo3elVhSUswX1RpUko1c09hRjlKbTZOR1ctNl81dEhUQm9FMmhzb1A2cFVPWl9MVnJiUQ?oc=5) · American Press
- 2024-10-10 [Examining the case of Patty Hearst 50 years later - spectrumlocalnews.com](https://news.google.com/rss/articles/CBMiuwFBVV95cUxOWHlUeFJsenIyWnBLNy1va0JTRUVWRWVzWlpvTzZQRHBJQUx1RDVFTzdGSXRvMFhwOXlXdWtIVHNWQzJ1ZFk1V1dIc0YyM01NWlhTMW0tUVZFTFNqSmlhbmZaQzRCSmdaQ0c4ZENrc3B3WG0wQzVKSVhiRXRwa3dhM2lXRndJOGdaZVFwcHRqM051dDlTaFUzQy1CaVRRcVkzN3JHMDNNT3MtYWVzQldQWUFBdE85TVNDOTZR?oc=5) · spectrumlocalnews.com
- 2026-01-08 [Best Certificates of Deposit Rates in Louisiana for 2026 - moneyrates.com](https://news.google.com/rss/articles/CBMiaEFVX3lxTE1Idkd3aUNMNFRmdzItSUI5ZEdWMEVxZUFSTHdzY0oyZnYtamhWM2UxQWs0enY3Wl9CeHFMZml0bU9sSkVJX3R5OWlrUkxPRE1CRTlod3NXUFo2UTJ3Q0I5QWNFU3pSQ1Fz?oc=5) · moneyrates.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=29831 (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/7.json (key "29831", 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