# B1BANK
BATON ROUGE, LA · FDIC certificate 58228 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $8.89B | |
| Deposits | $7.27B | |
| Loans and leases | $6.66B | |
| Total equity | $1.08B | |
| Loans / deposits | 90.76% (p62 of band) | 87.10% |
| Liquid assets / assets | 19.62% (p44 of band) | |
| Uninsured deposits / deposits | 46.68% (p86 of band) | 30.76% |
| Brokered deposits | 4.55% | |
| Wholesale funding | 9.80% (p64 of band) | |
| FHLB advances / assets | 4.98% | |
| Tier 1 leverage | 10.91% (p58 of band) | 10.50% |
| Unrealized securities loss / equity | -4.19% (p68 of band) | -7.75% |
| AOCI / equity | -0.23% (p55 of band) | |
| ROA (annualized) | 1.23% (p47 of band) | 1.26% |
| Net interest margin | 3.88% (p62 of band) | 3.70% |
| Efficiency ratio | 60.37% (p55 of band) | |
| Noncurrent loans | 1.26% (p79 of band) | 0.51% |
| Net charge-offs (annualized) | 0.09% (p74 of band) | |
| Reserve coverage of noncurrent | 74.24% | |
| Real estate % of loans | 69% | |
| Construction % of loans | 63.92% (p66 of band) | |
| Auto loans | $1.5M (0.02% of loans; DQ 3.97%, NCO 0.00%) | |
| Loans to nondepository financials | $293.1M (27% of equity) (p94 of band) | |
| Deposits YoY | 13.0% | |
| Employees | 966 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | brokered >10%, wholesale funding >15%, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 3 |  | construction >100% equity |
| 2011-09 | 3 |  |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 3 |  |  |
| 2012-06 | 3 |  |  |
| 2012-09 | 3 |  |  |
| 2012-12 | 3 |  |  |
| 2013-03 | 3 |  |  |
| 2013-06 | 2 |  | reserve under noncurrent |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 1 |  | wholesale funding >15% |
| 2015-03 | 2 | wholesale funding >15% |  |
| 2015-06 | 2 | capital falling, reserve under noncurrent | brokered >10%, wholesale funding >15% |
| 2015-09 | 2 | wholesale funding >15% | capital falling |
| 2015-12 | 1 |  | wholesale funding >15% |
| 2016-03 | 1 |  |  |
| 2016-06 | 2 | capital falling |  |
| 2016-09 | 1 | expense ratio p90 | reserve under noncurrent, capital falling |
| 2016-12 | 0 |  | expense ratio p90 |
| 2017-03 | 1 | reserve under noncurrent |  |
| 2017-06 | 2 | capital falling |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 4 | charge-offs p90, construction >100% equity |  |
| 2018-03 | 2 |  | capital falling, charge-offs p90 |
| 2018-06 | 2 |  |  |
| 2018-09 | 1 |  | construction >100% equity |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 0 |  | reserve under noncurrent |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 2 | capital falling, reserve under noncurrent |  |
| 2020-09 | 1 |  | reserve under noncurrent |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | construction >100% equity |  |
| 2022-03 | 2 | charge-offs p90 |  |
| 2022-06 | 1 |  | charge-offs p90 |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 3 | wholesale funding >15%, charge-offs p90 |  |
| 2023-06 | 2 |  | charge-offs p90 |
| 2023-09 | 2 |  |  |
| 2023-12 | 1 |  | construction >100% equity |
| 2024-03 | 0 |  | wholesale funding >15% |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 1 | reserve under noncurrent |  |
| 2025-09 | 0 |  | reserve under noncurrent |
| 2025-12 | 1 | reserve under noncurrent |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

## 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
- 2026-07-14 [American Planning Corp. acquired by b1Bank - Consulting.us](https://news.google.com/rss/articles/CBMihAFBVV95cUxNcnBSOWtKV25DYXV3ZUZYdU5nOFdBZUpaSlBVZjc2Tmk4TkVNNllxRF9rUmF0dWt1S2VKY0dZTzZYZGRwSklJdTNrQm5GY3VTdF9KNlBZd0ZQUFBDVDJGYUo3a29aVmJLZ1BIZ0lwSmZTV3FvZ1laR0hkOThQS1hCdGtpb3fSAYoBQVVfeXFMTjZ0TVFBeTJ3dy1zMXB0SmpSNnpwclN4WThGQ2oyNm9TX0phSGQ0TXEtUVZlNVRabElZNXZPbktTM0lJM2YxWWhId2kyZ21tZnF3MUhKWnhvWDhSM3lWQ1BKS0JXNmZrOWFlTWN2b3lWeEswSTZ3TVc1cWZFQ054aVBuRndmWDJWb0Jn?oc=5) · Consulting.us
- 2026-07-17 [After 50 years, this Shreveport bank will soon be replaced. See by who. - The Shreveport-Bossier City Advocate](https://news.google.com/rss/articles/CBMi9AFBVV95cUxOelphQ1A3eXJETTlneVd6bXlOX1ZpdkJNVFg4ZlVRb2E0WnRkVjFiWk13alNSLU4wcHVVd1RTRnhaM3NURno1X1VDZ2czblZsV3dfMlNfaU04aFEybmVZNFBrRzNIZmpaQkNtMDZueEgzXzNwT3h3clJOYi1rVldpS1E5V0RRdWd6cFg5aXRYTERXOXBqemE0WEN3UWRhRjlyNG85dFpTYVBWQjF6cHpQOHJueVdDOFNTQmZNLUNHX3RqNm9XYUtqeVZYVW5ILWhJNUQyNWVTMmRYYm9DMjFqdlBUaVk5NGRzTlU0M1FNY2dCb09v?oc=5) · The Shreveport-Bossier City Advocate
- 2026-05-22 [Baton Rouge-based B1bank to open new office near Uptown to serve as Houston hub - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOajVGelFiNEExU1Q0c19nU0VoS2c1WXJWZXU2Zk02MndMVGdMZkVhVFhZcm1nem1JQmRMYndRQ2J5MnN6WUxSMkl0LWZKRW1ydWIwcmhhOC0tb1dxN0x1Zm5xZV9KY295Z1pERk5oNDJzTDRud2hpajFkbkZNVElZZDEyY2ttVUF3S1NRMUVnWXdTcnl3bFdJUmVjMmJaOTlobUUtdWRNS0s?oc=5) · The Business Journals
- 2026-05-31 [B1Bank, Progressive Bank claim merger will strengthen banking in north Louisiana - knoe.com](https://news.google.com/rss/articles/CBMitgFBVV95cUxPVzByYUFhc0xCcDltNDc4T3UzYTNOLTdzWE04Q1ZheXg5Y0pWY2ZLTnJPbmphSURIb1Q2dlpxLURTZ1phLUNWUFpXRTI2ZGJfVUtsanB3X01FYnRYckhEa3MwQ2VWdFREMV84S3JtYWd0b3FzNXZveXNrb2cza2M1MUJvWDYwWTIzS2pMTGZvV0Q5VTJza3RCWjRfRkFjaVh5LTFrUzhaVzNNeEZUbC1VVHJELXA2UQ?oc=5) · knoe.com
- 2026-04-02 [b1BANK Names Ben Marmande Director of Corporate Banking - GlobeNewswire](https://news.google.com/rss/articles/CBMixgFBVV95cUxPM0lyTTlPaDU4RkloY25PVEZlSWxhVnBweHFueENDWlhOT0tSVmtRUExmWVg1c2RyWTFsbmZySS14WmRncDBRcThSUEFNaU5WYmxLeUZGRG9CaHM5TjlmWlFOQ1h1T1podG1KNzg3UGdfS1dXTmxUcnZWQ28ycUt6QWwzckwyTGJzWGRDU1AwQmtxNElwMnZkUUtiVzhTaTNLa01uSi1RZ2dJcDlDOGZudzQwYzdxOE9QWUJ4MEN5YnJsTGswTFE?oc=5) · GlobeNewswire
- 2026-02-20 [b1Bank implements AI agents with Covecta - FinTech Futures](https://news.google.com/rss/articles/CBMihAFBVV95cUxNQ1dxbDZRZ2ZDcnhFRF93Qm5PdC01ODlZajFGaGphbHNkQ0VmLWFJUDBaSXdSNy1vZU5RSTY1d3FfLWtSRmwtaDBOT09jQW5IV2t3ZFVHYjFYSjBUSUc3VWFMUmdFeG5XdWZCSnZXbVFfaGNnYVJfem80VVlVcUo3V19ydWE?oc=5) · FinTech Futures
- 2026-07-14 [Raymond James Welcomes b1BANK Wealth Program With $335 Million In Client Assets - Pulse 2.0](https://news.google.com/rss/articles/CBMinwFBVV95cUxPMGJzcklXSlJXRFNuZWh6UkluTTZMT2Fsa3pKYnNTamQtdzZ6b0x3WDRmc0dpeGROcTBvT254UGluTkNrTmFKN1h5ZlNZMmZlQnBMbWhHNjlyeHN2NEtJaTNrOG9DTHZfTzhHZ1UwcTBXN1g3M2laRnZ0a192UzM1V3FUb200OXFxekQ1a3p5Y3VhRUQ3bjBsVFQzaFRsNVnSAaQBQVVfeXFMT1pfSEppaGhqbkhwNDBrd1RIWDBLLU1lUWRaTHhhVm1EdGJTX0JDcWlhSlFCVjYxbFdxUURjZ1hTU24tUldWcnk0eFozVWFrdnl3NTZPTjBJdFQzR2dST2lZeWc5dGYyZ2JQZzFXdFBOdzI5RlBGc2FMa192Rk5uV0JPV0Q2akdFMVRTMzgtdi10aDdsc203Z3FhR2JyVnBaeGpmdjY?oc=5) · Pulse 2.0

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58228 (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/52.json (key "58228", 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