# PEDESTAL BANK
HOUMA, LA · FDIC certificate 35005 · asset band $1-10B · latest filing 2020-03 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $1.26B | |
| Deposits | $1.05B | |
| Loans and leases | $848.8M | |
| Total equity | $166.7M | |
| Loans / deposits | 80.01% (p28 of band) | 89.07% |
| Liquid assets / assets | 27.84% (p75 of band) | |
| Uninsured deposits / deposits | 28.28% (p51 of band) | 27.79% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.31% (p31 of band) | |
| FHLB advances / assets | 3.11% | |
| Tier 1 leverage | 12.02% (p81 of band) | 10.26% |
| Unrealized securities loss / equity | 2.56% (p66 of band) | 1.40% |
| AOCI / equity | -0.10% (p25 of band) | |
| ROA (annualized) | 1.80% (p93 of band) | 0.87% |
| Net interest margin | 4.48% (p93 of band) | 3.51% |
| Efficiency ratio | 59.55% (p36 of band) | |
| Noncurrent loans | 1.51% (p89 of band) | 0.53% |
| Net charge-offs (annualized) | 0.27% (p93 of band) | |
| Reserve coverage of noncurrent | 87.26% | |
| Real estate % of loans | 68% | |
| Construction % of loans | 56.19% (p62 of band) | |
| Auto loans | $4.1M (0.49% of loans; DQ 1.55%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p38 of band) | |
| Deposits YoY | -0.4% | |
| Employees | 288 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | capital falling |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | capital falling |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | capital falling |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | charge-offs p90 |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | charge-offs p90 |
| 2017-06 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2017-09 | 1 |  | deposits shrinking |
| 2017-12 | 0 |  | uninsured deposits leaving |
| 2018-03 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2018-06 | 1 |  | reserve under noncurrent |
| 2018-09 | 3 | capital falling, reserve under noncurrent |  |
| 2018-12 | 2 |  | reserve under noncurrent |
| 2019-03 | 0 |  | charge-offs p90, capital falling |
| 2019-06 | 1 | charge-offs p90 |  |
| 2019-09 | 0 |  | charge-offs p90 |
| 2019-12 | 0 |  |  |
| 2020-03 | 2 | charge-offs p90, reserve under noncurrent |  |

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

- 2026-07-09 [Louisiana bank buys financial consulting firm - Banking Dive](https://news.google.com/rss/articles/CBMijwFBVV95cUxQN3plQ1VUYy1FbnEyeDhpUTMweVVpRUlLQmpQUlpBLVhEX25peTV6bTlWRmRPeVE0aWVINGhuc3h1Y1dhUUZoNDZhbXZzMVhKLWcxS3c0QS1zZUZsa3l5ekdKRjczTjREQXVmSWgyOXROZEp3NFdpZm41VXRpWXpRU2Q0UHdRdG5lRWpsWWZkdw?oc=5) · Banking Dive
- 2020-01-22 [After acquiring Houma-based Pedestal Bank, b1Bank will be 3rd largest Louisiana bank - theadvocate.com](https://news.google.com/rss/articles/CBMilgJBVV95cUxPaTVaMzZwVkZmTzRvSG5RSFp5QXBtY3pHM2Q0dE1aa1FHTElkODM0eXJuUm1XZHBFZFRWeWo5NkpLRTZYdHVMelJ3VmFHMGtjNG05ZzJzTGFITjRURnpMcnFZWHdfOG5tTXpJQTBhSkNxMUZ3NEFRZjR0YVk3cmpCcm85X3VtV0wxZWJjRWpjM0U4UGhCc3BiM0N5c1pfZ25yZzNNZGdpc2NlYk1CVVROMVI5Ry1hTHpVR1VPejJqMXJiakp0XzFnblhUbGVGa3paVEdxM3lxdXdHLTVvb2FMMGdqLXpVOFlLZlExcUQwLU43Rl8xWjZobEduVzBaalFZV0RvR19BZUZNRkZ6VGZ5UVllX1RiUQ?oc=5) · theadvocate.com
- 2018-09-18 [Fletcher Pedestal Bank Library receives awards - Houma Today](https://news.google.com/rss/articles/CBMi4AFBVV95cUxQdl9PNlRHYTl0alVhOEw5NzdrZTdxYlp4bGp1c284Z29vVmNaYnJQMFFGU09JSkVfcEZQNllTNldqaU1tZzFLRnRXTUhLd0FjZVRwZ2dVWXZUN1lqUmFQLXlfbUNHV0d1VkhCbXE4RDhGQ3l1OEJEWHhmX0R2V0VlbUp2SWV5RjNqYWtrdExhbTRyX0RZM092ZXFvVVJPU0Y0SWw0NlpTNEI4aG00NU1VTVBocGNvbzlWYWx4aFBtSWxPbXE3dU1xZXNGd0NnS09mR05FbjF2YVV5NkxJeXM4ag?oc=5) · Houma Today
- 2020-05-01 [Business First Bancshares, Inc. Completes Acquisition of - GlobeNewswire](https://news.google.com/rss/articles/CBMi5AFBVV95cUxQTVFQTWJ5VXBFWWdOX0pwTEY3cHFKdFlQRFRKa3ZJdXo5M041T25kUkV6cHl2dURvQXJrczlNSW5HcElEZjVSNW05aFlfV3k3TkpCalA2ZlNWc1RydXJyY0dabUY0SDJxcDJ6cGtheWdkQzllZjhYeG1SWXBkX2xzX25kNXNTeGhuLTJTX2dlV1FtOU5RSFpvaHVuNFptNEIzeHFjVFdMbWJRRVRJZ19rdFNEdGJZd0xzX2N5amFtMWhEUmhNcVk5VktLSFlhRFI4YTRNYlRYQXRLU0w0Rmt1SUl4eEs?oc=5) · GlobeNewswire
- 2025-07-08 [Louisiana takes a turn as small-bank M&A epicenter - Banking Dive](https://news.google.com/rss/articles/CBMizwFBVV95cUxOaW5lRE5qODRiTXlQajItc0ptTjY5YkdaVXk2b1NmOUo2ZEViQm9CbEsxaUdCTnZwclVQaTVsN0xqUmJUWF9uYVpBV2Q4aUJRTF9MektDY1MyUVRMcUpCTU1QcjI4bUVTMlA2Q3Z4dDR2aE1oWDc4eEg2bF9mdWJtMUlZdURnNmtEUVAwZE1zRkVjTlp5N0k3dmstMjlRLTFHRURfYUdjTHZFdE5OOWtDQVFkZXg0OE1ydkVYNjV6NkNiN1FTVU1GYUlGV3Y5b1k?oc=5) · Banking Dive
- 2020-05-01 [Business First Bancshares in Baton Rouge completes acquisition of Pedestal Bancshares in Houma - theadvocate.com](https://news.google.com/rss/articles/CBMipAJBVV95cUxOTl8tNUZJdGU5VTdfU1pEQmpyT1dRdTBBcFVYVjRNRU5QOXpFcXF3dlRDWnNYUGtWakUtT0dIdjRfMHVYNjRPZ0FDN21qWUc0ck0tMnpTVVd3dW5ESTVFcjVLWl9xSHRWMk12RWZIcnZzeWY4V095SjBlU1hzTmZXUzFxUkprTlJxejZldUsxZmp5cXFrZklMV0NxRWU2YkdpSVJGbTVWOXJ0T0cxTzhIbTJJZWVYNTlUU0tkd1plRzhoS3U3RGJ6bW1ZSXR3eF9iYzVSaWVma1FLRlV2Z3AxVURPVHMwM0lIMmxDSG9HSGxQSm9tYnYwQnI3aDlOa2Z1X0dpdEwtcndKV0JPMWFxYWpsTzRSeUdWOEttbFZBTk12U0Vq?oc=5) · theadvocate.com
- 2019-12-03 [Business First Bank changes name to b1Bank - theadvocate.com](https://news.google.com/rss/articles/CBMi3wFBVV95cUxPdHphMmlnRnhrdE9uSTdVWUh2WFJ1aUVRbnlTWkphS3JXRmIybEhMVjJrRGZYeER5Wmh5UDRNZXZHOXI2dmVuVTJ1U0xHZ3V6ZHFlNUpPMzJ4dEJFVWtQa2JTTTNGSEpqdzhfSGpaU1ExV200ZmdWREpESWZkc1JmangybF8tekd5ejhVNGRyRm9vTHVWTDB6VXRHdmx4czRWUXlKSVhzcVFkZlJwdXBZY1k0Ri1rTHhwV0VtYzhzY1dpYXMzbTFibC03OGxVRkRiMmwzZHBwRF8yQjhidGRB?oc=5) · theadvocate.com
- 2021-07-19 [Former Panera location on Ambassador Caffery Parkway has a new owner; here are their plans - theadvocate.com](https://news.google.com/rss/articles/CBMimgJBVV95cUxNRmFKZmk1enp0T0RjVGpxd0dKMThzSEp6VFZfaUdHNU9SYjJ2aERISVN4eWZGeWZzTllmeXJ1eS1MLWlTUjUyOXhmODBPZ0E1eW00T3NYckp5TktUajZ3emE2Q3VtOVM5bmtLUmxEbXFKTm5OOWk3NkN4ZHVGZkJON0RCdTg2VlBQNXpXNjB4eDRBdUFLNWM3YnpuNF9PSi1QczRmMTFrVEJHbGZqWGZCR2twYkhEcEdVdHZhWTIwald3N3N0azZ6RU9sV1EtcGd5cURnOHBVZDE1VXdrbDJ6TVlKdGRqZFdQcHFJSnF4UVRwOEhPT0hVLTFzdzNJVjFsNFcwMDBDSVJIcVBTMThUMmQ0bXNZVUdjMXc?oc=5) · theadvocate.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35005 (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/61.json (key "35005", 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