# OUACHITA INDEPENDENT BANK
MONROE, LA · FDIC certificate 34332 · asset band $300M-1B · latest filing 2017-12 · stopped filing (departed)

**Verdict on the desk:** this could be *fortress*. Composite score 0 (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 | $703.4M | |
| Deposits | $600.5M | |
| Loans and leases | $498.0M | |
| Total equity | $79.8M | |
| Loans / deposits | 82.11% (p44 of band) | 85.15% |
| Liquid assets / assets | 25.60% (p57 of band) | |
| Uninsured deposits / deposits | 27.16% (p68 of band) | 21.69% |
| Brokered deposits | 0.50% | |
| Wholesale funding | 2.76% (p33 of band) | |
| FHLB advances / assets | 0.42% | |
| Tier 1 leverage | 11.13% (p68 of band) | 10.22% |
| Unrealized securities loss / equity | -0.06% (p69 of band) | -0.60% |
| AOCI / equity | 0.47% (p67 of band) | |
| ROA (annualized) | 1.66% (p88 of band) | 0.90% |
| Net interest margin | 3.87% (p64 of band) | 3.66% |
| Efficiency ratio | 61.70% (p32 of band) | |
| Noncurrent loans | 0.21% (p25 of band) | 0.54% |
| Net charge-offs (annualized) | 0.02% (p40 of band) | |
| Reserve coverage of noncurrent | 472.48% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 68.27% (p73 of band) | |
| Auto loans | $879,000 (0.18% of loans; DQ 0.68%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 5.2% | |
| Employees | 160 | |

## Flags firing in the latest filing

- none

## 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 | 1 | capital falling |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 0 |  | capital falling |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | capital falling |  |
| 2015-12 | 0 |  | capital falling |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |

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

- 2018-01-03 [OIB bank sale finally close to 'finish line' - thenewsstar.com](https://news.google.com/rss/articles/CBMiowFBVV95cUxOdlhjLVdEYWx0emp4LTBVempkZjB3YmJiRzlvX2R5T1B5b3pDSHJ6RnpNR1p6Q0RUQll3ZWg2QmdpaTNpc2ZYbnpKNUtzNnExeXE1T1dneGFqTDNnRWJwNWJyYV9BQXBPYUxibThxdUNBdkh1M1YtT2VEWmxYR3JNcUtoUGpzMXdVbVlta010akJnOUVENE5JbmFFY0NxSDVkeVFJ?oc=5) · thenewsstar.com
- 2014-01-09 [BancorpSouth acquires Louisiana bank - WAPT](https://news.google.com/rss/articles/CBMifkFVX3lxTFBCVHEyNTdiWGpQdGYtUkxMOGNNTmV6TnRSZmdRMWhqdC14bVpleHJHY0lnSFIzZUozdnJIaXp0RUpEZHNnY2s2eXJWY0Q0U2d2VUYxYUduV1FYZWNxbm9kSUJHRkZsT1NMaEg4MElhZnlkenBYSEQ3T2FQdEhYZw?oc=5) · WAPT
- 2014-01-09 [BancorpSouth acquires Ouachita Independent Bank locations in Shreveport-Bossier, Monroe and Bastrop - Magnolia Reporter](https://news.google.com/rss/articles/CBMitgFBVV95cUxPQm10ZGNSTW9yT1lHekduZmlDZC1acEFBSnUxUC1VVnJkQjBySTVJZkRydWduWXlDRmVmaGpaeHY4WjRpdUlWQTcydzVIWkdmM2FxTVVZRGZxWDhzanprQkxxZkNpYTRwMDNad2diZ3prNGtmdXp3cWxBSXU3RUxITHZPOUNEdWFPS3hrVHY4S2FJNldHTDNWc1U2ZUNqaHRxWTM5TF9LVV83WFl6NVhSbG5TN1FaUQ?oc=5) · Magnolia Reporter
- 2016-12-14 [Bastrop bank robbed - KNOE](https://news.google.com/rss/articles/CBMid0FVX3lxTE5OODM5RGhhWDF4RjZUTFZhak1pa0xEZko3Q2hYTk1XMWxaY2dqODZVbTk3VXUxeWVhcnFrNFhvRlREaUtuVy03M2pKY01JUlNzZllZc0RqcWg5OTVFbU5xWnBkOUpWLVlBUTlSLXdLUGMycEhDeHZz0gGLAUFVX3lxTFBtLW1WZG0wYzAxRnNqY1A4dmp2N1M2UmpGWVRFaG1XT216TW44TXNPS2tNbWRUTEtYR2JlckJMS1BFTHZzcGh0VHlsYURvbjlfM2hwUnM5cUJVa2hOcHVRSl80RnZvaEt0bTdQTVRRVFg2c2pQMFJyLVpGRkplRFhESFAwU2RaTk1HdWs?oc=5) · KNOE
- 2025-02-24 [Amos Whitfield "Whitty" Hood, Jr. Obituary Feb 24, 2025 - Mulhearn Funeral Home](https://news.google.com/rss/articles/CBMia0FVX3lxTE9sTHl4dFBvU21idUUxdHZfS2loN2FlN2pLV2NPWDFlYnNjS2h2VTIzdnh3eEJtQ2E4a0lPMDNKQ2UxMGswUVZGTWQzVFR0d0VoX3lBbkRadEMxcGJRc2t1dmQxQUtGbnpLVzBR?oc=5) · Mulhearn Funeral Home
- 2013-12-23 [Banking legend White retires from OIB - The Daily Advertiser | Lafayette, Louisiana](https://news.google.com/rss/articles/CBMipwFBVV95cUxPTmRwYUtUNVZybGk1X1hycG5wUHlZY0NUVzV5bzFoRlVPdnZJOHRIRlJWd3Iza2FILUNRUWdiWl8zVS0waDZtQVR6a0NLNm04YkFDLTFKbTNWZVhJY2RXbF9CZkRVVnlGRGtZZ3BFSGJsMG54dnNOVzRiWjhvUV90bHVoRWtCeTFMeFZMSXR5aTN2bmxzdElnYUhFQWZrMnA3VE81SkpOOA?oc=5) · The Daily Advertiser | Lafayette, Louisiana
- 2013-08-16 [SPD: Attempted ATM burglary sends police on high speed chase - KSLA](https://news.google.com/rss/articles/CBMimwFBVV95cUxQQ1ppSThNNEJ1ZHdzdFlvOXhYa05vX1BIak9uWERrdEp6YWFFNy1KUkRGRlpIajFPN3A4RU96ZEwxcVRkUExuSUwwRVRBUjAwV3FQWUxDTUJGY0RRQjFjQ3NqX0hSeFZSOEE2S0FCSk44X3R0OG1MczViRFJkODZEY0dJNVJDYl9OZE9YUzBiMWVJUC05WGVCN3FtVdIBrgFBVV95cUxNMDJnS0pSNVJXaDJuMmVGczNXd0ZzaDBlbklUNEFpTXhZZEN2eHZRUVVlSTlXR3R0TlFYRnlIMEQ4dHFkNFZqTnFJcFdweWVyTS1aWlBUbl96ZjkyRXdKX09kLTBzVnB1aXFvdlN1SXFOdGFoUnBTMnpLVkxvcWpQVkxmQUd5bWpMcU0yaS1rMlY1X3hmZU0zemJXU0lKLUdJbXNOQVRYMmZSRGxCZEE?oc=5) · KSLA
- 2017-05-25 [Nine businesses recognized at Thomas H. Scott Awards of Excellence - KNOE](https://news.google.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?oc=5) · KNOE

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34332 (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/28.json (key "34332", 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