# CRESCENT BANK
METAIRIE, LA · FDIC certificate 33492 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *lender to lenders*. 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 | $1.07B | |
| Deposits | $880.1M | |
| Loans and leases | $389.4M | |
| Total equity | $153.5M | |
| Loans / deposits | 43.66% (p4 of band) | 87.10% |
| Liquid assets / assets | 60.73% (p97 of band) | |
| Uninsured deposits / deposits | 3.21% (p2 of band) | 30.76% |
| Brokered deposits | 2.36% | |
| Wholesale funding | 2.36% (p31 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 15.01% (p92 of band) | 10.50% |
| Unrealized securities loss / equity | -4.95% (p64 of band) | -7.75% |
| AOCI / equity | -1.02% (p18 of band) | |
| ROA (annualized) | 8.34% (p99 of band) | 1.26% |
| Net interest margin | 4.48% (p87 of band) | 3.70% |
| Efficiency ratio | 0.00% (p1 of band) | |
| Noncurrent loans | 1.28% (p80 of band) | 0.51% |
| Net charge-offs (annualized) | -3.28% (p0 of band) | |
| Reserve coverage of noncurrent | 102.71% | |
| Real estate % of loans | 19% | |
| Construction % of loans | 1.07% (p6 of band) | |
| Auto loans | $41.8M (10.74% of loans; DQ 13.47%, NCO -3.29%) | |
| Loans to nondepository financials | $199.0M (130% of equity) (p99 of band) | |
| Deposits YoY | -3.2% | |
| Employees | 44 | |

## Flags firing in the latest filing

- **loans-to-lenders >50% equity** (`conc_warehouse`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | loans exceed deposits, brokered >10%, liquid assets <10%, auto book souring |  |
| 2011-06 | 2 |  | loans exceed deposits, brokered >10% |
| 2011-09 | 1 |  | liquid assets <10% |
| 2011-12 | 3 | liquid assets <10%, capital falling |  |
| 2012-03 | 3 | charge-offs p90 | capital falling |
| 2012-06 | 1 |  | liquid assets <10%, charge-offs p90 |
| 2012-09 | 3 | liquid assets <10%, charge-offs p90 |  |
| 2012-12 | 2 |  | liquid assets <10% |
| 2013-03 | 4 | brokered >10%, liquid assets <10% |  |
| 2013-06 | 5 | loans exceed deposits, capital falling | brokered >10% |
| 2013-09 | 3 |  | loans exceed deposits, capital falling |
| 2013-12 | 3 |  |  |
| 2014-03 | 5 | loans exceed deposits, brokered >10% |  |
| 2014-06 | 4 |  | loans exceed deposits |
| 2014-09 | 5 | capital falling, uninsured deposits leaving | liquid assets <10% |
| 2014-12 | 4 |  | uninsured deposits leaving |
| 2015-03 | 4 |  |  |
| 2015-06 | 4 |  |  |
| 2015-09 | 3 |  | capital falling |
| 2015-12 | 4 | noncurrent p90 |  |
| 2016-03 | 3 |  | noncurrent p90 |
| 2016-06 | 3 | capital falling | brokered >10% |
| 2016-09 | 4 | brokered >10%, noncurrent p90 | capital falling |
| 2016-12 | 5 | losing money |  |
| 2017-03 | 6 | capital falling, uninsured deposits leaving | brokered >10% |
| 2017-06 | 4 |  | losing money, capital falling |
| 2017-09 | 6 | deposits shrinking, assets shrinking |  |
| 2017-12 | 6 |  |  |
| 2018-03 | 3 |  | uninsured deposits leaving, deposits shrinking, assets shrinking |
| 2018-06 | 3 |  |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 4 | deposits shrinking |  |
| 2019-06 | 3 |  | deposits shrinking |
| 2019-09 | 4 | loans exceed deposits |  |
| 2019-12 | 3 |  | loans exceed deposits |
| 2020-03 | 3 |  |  |
| 2020-06 | 6 | losing money, deposits shrinking, assets shrinking |  |
| 2020-09 | 6 |  |  |
| 2020-12 | 4 |  | losing money, assets shrinking |
| 2021-03 | 6 | loans exceed deposits, assets shrinking |  |
| 2021-06 | 5 |  | assets shrinking |
| 2021-09 | 4 |  | deposits shrinking |
| 2021-12 | 4 |  |  |
| 2022-03 | 4 |  |  |
| 2022-06 | 4 | capital falling | loans exceed deposits |
| 2022-09 | 4 |  |  |
| 2022-12 | 4 |  |  |
| 2023-03 | 5 | losing money |  |
| 2023-06 | 4 |  | capital falling |
| 2023-09 | 5 | uninsured deposits leaving |  |
| 2023-12 | 6 | capital falling |  |
| 2024-03 | 6 | deposits shrinking, assets shrinking | losing money, uninsured deposits leaving |
| 2024-06 | 5 |  | capital falling |
| 2024-09 | 7 | losing money, uninsured deposits leaving |  |
| 2024-12 | 7 |  |  |
| 2025-03 | 5 |  | losing money, uninsured deposits leaving |
| 2025-06 | 6 | uninsured deposits leaving |  |
| 2025-09 | 6 |  |  |
| 2025-12 | 6 |  |  |
| 2026-03 | 4 | reserve under noncurrent, loans-to-lenders >50% equity | auto book souring, charge-offs p90, noncurrent p90, assets shrinking |
| 2026-06 | 2 |  | deposits shrinking, reserve under noncurrent |

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

- 2025-02-07 [Crescent Bank CD Rates: Pros, Cons, and Current Rates - businessinsider.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxNSS1sblJfVTJRaDBfN2REVkJCb0N5ZnpwWjBTREI1S1hhaTdsRVRnbFlaZnRsN0k3OXkxZ0drcmZBY0JfcDNRcmJkekVxMUtWdnhOemtsbHRKT2NGVUp1ekpRYVhrTzdWeHBBM0VLenp4UHZHNHE1d29XLWhVYWdHTExOVHJTQQ?oc=5) · businessinsider.com
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-01-08 [The Best Savings Accounts in Louisiana for 2026 - moneyrates.com](https://news.google.com/rss/articles/CBMiekFVX3lxTE9td0RRcEJteVhrdjVUeWtBcnJ0MllqdzEwYVdJQWZ5a1FsMFZsdHJNeFFNZzBkdnFTTDZ1eHBqcmxTemRpdzNfZk82eGRoWmNRcTQzS2F3RFdTdEZRYWMwQ1ZFdS1wMllpUWx6cUVsalRWMWxNWEtqQjBR?oc=5) · moneyrates.com
- 2006-09-12 [Crescent Bank & Trust Forms Debt Purchasing Company and Collection Agency - InsideARM](https://news.google.com/rss/articles/CBMiigFBVV95cUxPdC1LdUdWVFE4TTJIX0cwbDV2dFJVVjJ2bDJPalg3d2ozTUtmVHRpaHhmc2lHc3liMDZCMHNDNWkzSTRwRk12X3N2VXdYX0tPb19UMFVxWE40MlpXMDdpS2VvWTM1NF9LZGU5YjRjbVNtbXFGUHNfaE9DMndKSFJiOEdORTBhc19lRGc?oc=5) · InsideARM
- 2025-08-26 [Edward Lott Obituary - Metairie, LA - Dignity Memorial](https://news.google.com/rss/articles/CBMigAFBVV95cUxOSjYtQTRmSzBFbUlFRm5yRUxyRVBpT3lpOTVyeXkxM19uem9YcmlzYXJmTjBkMnhlVUVEYm5Qekx6QkRDbDIzNk1QM05qdFJ2R0k4REFkaHBNMVlQNE9NcjF0bE9BRGlsXzh2UU53N1pDM0dtd19wSTJRSzNzd0JiUA?oc=5) · Dignity Memorial
- 2024-10-14 [Crescent Bank Review - businessinsider.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxOcXl2WkszdDNTQ3hGS3VOU2p4LTdpVTlWdFgyM0tJZVBTbnkwZmdyNHpVbG1mbExKM1lXcDc0M2p4aVRLOWUwellwNHJKeVhaSHVEcGNNSkU4eEY0UU9Pd3lRR0JPTmp2MFdhTzN2ZmRPLTJxbHNoaFItRG5NOEdrcHF0TQ?oc=5) · businessinsider.com
- 2024-02-05 [Louisiana Bankers Education Council 2024 Officers Installed - Minden Press-Herald](https://news.google.com/rss/articles/CBMijgFBVV95cUxNeDZ4YkNfaFBBYi12S25CMHo4SDFLeVVwYnk3bUpEZzdlNUt4aEpPSURlTGVLaTNybjREX2pwSTBXLWtLVzRxQndDRXBzdE5lQzVlY0FITUNIa21qTUJoQm1pS3VyVUVJd3hkNEkwZ1RwN19lSGRNT3MwVk16U1BkakxWMGRGcGYzeThudWVB?oc=5) · Minden Press-Herald
- 2022-12-20 [Josh Perot installed as officer of Louisiana Bankers Education Council 2023 - Lincoln Parish Journal](https://news.google.com/rss/articles/CBMivAFBVV95cUxNRVl4UFJVSGRlOE9XY0hDdjRnSkVONHpjb2ItTVdFZzV4TVdhUlk4X2lIbFlaSEZXUmxRbkpuNW43dDlsUVJtRXFXTjAwdWFaTmI3SG9SeUx2cVEtMDN0bVRDVnNWby1qTUIwUUFNSHR3VGJ0VzhVay1aaUF0aXgtbWY1cHBycUc0U3diUFVaVTRrMTVWRmlKSkxjekd4QlE2d3FGalhLajFZZ1ZjQk5Qdk92WEh3NFF4NHN5Ug?oc=5) · Lincoln Parish Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=33492 (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/20.json (key "33492", 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