# THE BANK
JENNINGS, LA · FDIC certificate 34409 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $462.0M | |
| Deposits | $396.3M | |
| Loans and leases | $334.3M | |
| Total equity | $58.3M | |
| Loans / deposits | 82.84% (p52 of band) | 82.04% |
| Liquid assets / assets | 25.15% (p51 of band) | |
| Uninsured deposits / deposits | 17.42% (p20 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.18% (p26 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.76% (p77 of band) | 10.81% |
| Unrealized securities loss / equity | -1.32% (p84 of band) | -8.10% |
| AOCI / equity | -1.11% (p19 of band) | |
| ROA (annualized) | 1.75% (p78 of band) | 1.28% |
| Net interest margin | 5.43% (p97 of band) | 3.91% |
| Efficiency ratio | 53.62% (p27 of band) | |
| Noncurrent loans | 0.48% (p54 of band) | 0.43% |
| Net charge-offs (annualized) | 0.11% (p86 of band) | |
| Reserve coverage of noncurrent | 368.44% | |
| Real estate % of loans | 66% | |
| Construction % of loans | 73.46% (p74 of band) | |
| Auto loans | $21.4M (6.41% of loans; DQ 2.99%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 7.2% | |
| Employees | 81 | |

## 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 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 2 | capital falling, charge-offs p90 |  |
| 2015-06 | 1 |  | capital falling |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 2 | capital falling |  |
| 2016-09 | 1 |  | capital falling |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | charge-offs p90 |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | capital falling |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | charge-offs p90 |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 0 |  | charge-offs p90 |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 2 | charge-offs p90 |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | charge-offs p90 |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 1 | charge-offs p90 |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 0 |  | charge-offs p90 |
| 2026-06 | 0 |  |  |

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

- 2026-09-09 [Early Match Predictions For WWE Money In The Bank 2026 - TheSportster](https://news.google.com/rss/articles/CBMipgFBVV95cUxOdTJORW9nVWFpLWdVU2lfSmVmTGdVMWc0WlFsTVE2M0hOQ3FxTUhoQ0dZdzBxQ1R2bFZWX3dUZHZ0aXlzeHh5dDJtVlc1REVKMG43QkJBZU5YVkVNbHFObXFEQ01DWnB2aHhZb3dvZHpGZlVIYnBzcmI0Z0NfVGdJSVNuUEh0cUVnMmpPcVZBQlg1Z3Q0bDVSTjFzVzFfT0Jud0thM2xR?oc=5) · TheSportster
- 2026-09-01 [Wells, BofA, Citi back upcoming stablecoin - Banking Dive](https://news.google.com/rss/articles/CBMisAFBVV95cUxOYTZqQjBBUFc0ZUcyWVVUYVRwZFlySGRaYzNqaThLYkVpMk9IQV91NTVaSklRMjNPdG9IZEhLMWVfbUtaZmRQZjlaU3VTem5qSmJlN01lSjlNLXExY3p2R2tTRWlVT3otTnZ3blhqLWswdGhhWDhMMHV4VWl1V3pGR3pCWVkwVFpFQWR2T2ZjOVlUMkVaamt3S2tRUlA1U2IxMXZpWDhrdXhBeThFbWNUbw?oc=5) · Banking Dive
- 2026-07-13 [Regions Bank Promotes Jamie Stogsdill to Lead Consumer Banking in Arkansas and Louisiana - Regions Bank](https://news.google.com/rss/articles/CBMi_gFBVV95cUxOOWlQQktEWVlCX1Zfd3lGSHpXd3R4U0E0S0RZS3V3eW0wMU81OGlVQ1NPR0FVVnhVMlVBUnd1Y2xJSWlLbXlTa204RHN0dncwa1RGT1lrclM4Z1AtZ1NqOFhfSm9ydUxmM1pNaENaUFhDZTJTUlpCRUJkdjJJc1BnZnZ5OTYyZTJFZ3VpLTEzRlltcHplWnlKUjNhN280SHhpOExWaDVFbWg4eDU1Z2RaYWJka2lmdzVhYzdFV3JVMk9ack94Vm5KbGlTLW56dDVJcEdiSmVLdlA0dHZVUW5FOG01eHBjWW5VYTNOX1R2c052UlVIR0plMjRPSm05QQ?oc=5) · Regions Bank
- 2026-07-09 [Eighty-eight rising bank leaders advance knowledge at Louisiana Tech's School of Banking - Louisiana Tech University](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQdnN2TEdIRENHV2NHZnNXSnFFMmQ0b1ZfM0cwSzNrdHZLeWkyZGJsd1dsaENMclUxdzNZX1F4UzRRVHZWR2wwYVY2TklEZmZ3NV94X3RmWHBIVWFZSlBuSEtaaHBheDZsUVNsOExfa000X1ppTU05TXIyeWk0WjB6S1dWWXJQNVpMTHRMSjRubEpTME5NOEdia0FnVEZ4cWdrSzlRTmMtQnVUVHZHcmNEd0lYQUFYczFLWk04?oc=5) · Louisiana Tech University
- 2026-08-10 [Louisiana bank faces unusual limits on who it can lend to - American Banker](https://news.google.com/rss/articles/CBMimAFBVV95cUxPQnJKZDR0a1BQSEt2aHh1MlVnb0RfRFR4U0dOWDJXYXZjN1RSb1ZNMlRURlpqWGh5NmQ0dnM4aHpyOWtoY2hzVk5qd3NlbTRVSFkwc0ltbm1ZbXRkVUkzSVJXYnFReFNNYlNIa2pjNWJ4cEVFakt1b2lQQXJqMlB1TlpPWGN3Q2VRZ0V6b1dYejZLRmlzMi1qcQ?oc=5) · American Banker
- 2026-05-15 [U.S. Bank partners with San Francisco 49ers running back Christian McCaffrey - U.S. Bank](https://news.google.com/rss/articles/CBMi4wFBVV95cUxPRWpWbmJFbTZnaEJ2aDZwMXhRVERpOUJ5UlFPWURYa3JmR0VtUnE5aGZBZTVwTDZUQ05kZzRHRUpwR1FrOElhV2RKY3g2MDJtRzVJMmtyN2w2UnBPQkFQaDA3S1ZEOV9fd005Q1gwa1dJaEVUMGZ0bUtpZVBHZ2l1dlZiUVB4eWN2NjhnRXBwejU1WHAxXzMxVjJRQWNQTlBvRUI0MzZOU3BTX2JVSHdBY2tBNVNwLXV2X2psczJOc2ZfeHh3ajRqTld6NGxLOGFDWTRPc3g3elEzQjhfeUNXc09BUQ?oc=5) · U.S. Bank
- 2026-08-11 [Louisiana bank agrees to FDIC consent order over credit quality - Banking Dive](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNcUF6dDl4bmNEbWhTYkNURVZjbmU1a3FhR0d2SE0ydFdabGRIVnBpNWU0TFJQOWo0LWcxUF9qc01nVHlkc25uZ25PUWhXZ1dfblJuaTBSMVBhYzJlcERDTGhJVFc1d092Y2ZPSXhNMWlJdXRIWHZIY2o5dl9ldHdfcnBnUGJYMnZzM0xSNjNhZDhsanI1Wmw3QnVkUTdHQ2FCTUZRemZteDQ2TGs?oc=5) · Banking Dive
- 2026-07-12 [Change at The Bank: Longstanding Saratoga bar gets a facelift - The Mercury News](https://news.google.com/rss/articles/CBMiogFBVV95cUxOSkwxTzI0c0tPb25ycElRc0xxOV9QN0VZNWZETVdiczRpcVZFeEZ5ZWR3SUEtcnJxQkVmSHFLT0F1aW91MzVCY0h3SjFOTW9tdU52WXNpRm05bTJZa1J1NlZzTG9NQzJMY0c2Mlh4TWh5c0pxMGpZYWVCWGUzd3REY1JTZmdJU05QN3hYekNBY1l5WmZFaEZFU2ttb2o4UWZnOEHSAacBQVVfeXFMTlpKeDQ2S0hZSGwybWxmSExDWjh5c1N2ak5UYjdwR19BLXNIWklGWV9sckM5MldTTmc4Vjg0eXpxa0hGNVJZdDlwT2ExYXhleldUZFlLNTlKRDlwd05ydzhTRFNFY3dDaThFMm9yVEZzVVlHc0c2SGJ2OE4xUDdSdG1lcUhsbEZUUm1zME1uV2YtRVRjcmZXTkRjQmM3Q1JpODAtQ2Vtb2M?oc=5) · The Mercury News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34409 (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/41.json (key "34409", 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