# BANK OF GUEYDAN
GUEYDAN, LA · FDIC certificate 8144 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $69.2M | |
| Deposits | $53.1M | |
| Loans and leases | $22.5M | |
| Total equity | $15.5M | |
| Loans / deposits | 40.70% (p12 of band) | 73.59% |
| Liquid assets / assets | 66.74% (p92 of band) | |
| Uninsured deposits / deposits | 9.20% (p12 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 22.11% (p92 of band) | 11.76% |
| Unrealized securities loss / equity | -6.61% (p50 of band) | -6.57% |
| AOCI / equity | -0.14% (p62 of band) | |
| ROA (annualized) | 0.72% (p27 of band) | 1.17% |
| Net interest margin | 3.38% (p25 of band) | 3.93% |
| Efficiency ratio | 62.55% (p42 of band) | |
| Noncurrent loans | 6.77% (p98 of band) | 0.36% |
| Net charge-offs (annualized) | 0.43% (p96 of band) | |
| Reserve coverage of noncurrent | 59.02% | |
| Real estate % of loans | 37% | |
| Construction % of loans | 1.72% (p22 of band) | |
| Auto loans | $1.1M (4.89% of loans; DQ 9.62%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -6.0% | |
| Employees | 10 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | NIM <2.5% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | uninsured deposits leaving |  |
| 2013-03 | 2 | capital falling | uninsured deposits leaving |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 2 | reserve under noncurrent |  |
| 2013-12 | 1 |  | reserve under noncurrent |
| 2014-03 | 2 | capital falling |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 1 |  | capital falling |
| 2015-06 | 1 |  |  |
| 2015-09 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2015-12 | 4 |  |  |
| 2016-03 | 4 | reserve under noncurrent | uninsured deposits leaving |
| 2016-06 | 4 | noncurrent p90, uninsured deposits leaving | deposits shrinking, assets shrinking |
| 2016-09 | 3 |  | uninsured deposits leaving |
| 2016-12 | 3 |  |  |
| 2017-03 | 3 | capital falling | NIM <2.5% |
| 2017-06 | 2 |  | capital falling |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 4 | capital falling, charge-offs p90 |  |
| 2018-06 | 3 |  | capital falling |
| 2018-09 | 3 |  |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 2 |  | charge-offs p90 |
| 2019-06 | 2 |  |  |
| 2019-09 | 3 | uninsured deposits leaving |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 4 | capital falling |  |
| 2020-06 | 3 |  | uninsured deposits leaving |
| 2020-09 | 2 |  | capital falling |
| 2020-12 | 0 |  | reserve under noncurrent, noncurrent p90 |
| 2021-03 | 2 | capital falling, NIM <2.5% |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 3 | securities losses >30% of equity, noncurrent p90 |  |
| 2022-12 | 4 | reserve under noncurrent |  |
| 2023-03 | 4 |  |  |
| 2023-06 | 3 |  | NIM <2.5% |
| 2023-09 | 4 | deposits shrinking |  |
| 2023-12 | 4 | assets shrinking | securities losses >30% of equity |
| 2024-03 | 5 | charge-offs p90 |  |
| 2024-06 | 5 |  |  |
| 2024-09 | 5 |  |  |
| 2024-12 | 4 | losing money | deposits shrinking, assets shrinking |
| 2025-03 | 3 |  | losing money |
| 2025-06 | 3 |  |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 2 |  | charge-offs p90 |
| 2026-06 | 4 | charge-offs p90, deposits shrinking |  |

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

- 2025-09-29 [John "J.C." Petry Obituary Sep 29, 2025 - Vincent Funeral Home](https://news.google.com/rss/articles/CBMiZ0FVX3lxTFBtaEU1ZHpoNS1FRXBueE1CbzBkdWxJYUdhemgwOTBuR0pCVWpzNjExRGRfSW4tMTBEd2pBS2RLU2MtOWtaWENoWmNQaE1ZdldobE5ScVFGVUlnMGRDTFp6aWpZTE1Qams?oc=5) · Vincent Funeral Home
- 2021-05-19 [Louisiana's most endangered historic sites: These 11 places need preservation, group says - NOLA.com](https://news.google.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?oc=5) · NOLA.com
- 2017-01-30 [Murray Mitchell, Sr. Obituary - Houma, LA - Dignity Memorial](https://news.google.com/rss/articles/CBMihgFBVV95cUxQalJMdUVOYkIydkpkM3BaeVZLaEFQRUc0clJhbzBhVHZUTU85OEFQbHVaN3ZiYnZma0RFLUFjcmVJLWtYdlJjZEpPV3JfeWRGWjNPaFY5YVBXdHlHY0IyQWZEdFlnb3UxdkVzQkFLYzQ0b2w0bEhsZ2E1TnBVemczcU5lUGxuUQ?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8144 (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/16.json (key "8144", 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