# BANK OF COUSHATTA
COUSHATTA, LA · FDIC certificate 8531 · asset band $300M-1B · 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 | $317.1M | |
| Deposits | $244.7M | |
| Loans and leases | $145.8M | |
| Total equity | $26.0M | |
| Loans / deposits | 58.74% (p11 of band) | 82.04% |
| Liquid assets / assets | 51.51% (p93 of band) | |
| Uninsured deposits / deposits | 44.25% (p91 of band) | 25.97% |
| Brokered deposits | 2.00% | |
| Wholesale funding | 16.45% (p89 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.23% (p17 of band) | 10.81% |
| Unrealized securities loss / equity | -15.24% (p31 of band) | -8.10% |
| AOCI / equity | -2.66% (p4 of band) | |
| ROA (annualized) | 0.50% (p11 of band) | 1.28% |
| Net interest margin | 2.66% (p5 of band) | 3.91% |
| Efficiency ratio | 79.98% (p89 of band) | |
| Noncurrent loans | 6.52% (p99 of band) | 0.43% |
| Net charge-offs (annualized) | 0.07% (p80 of band) | |
| Reserve coverage of noncurrent | 21.66% | |
| Real estate % of loans | 94% | |
| Construction % of loans | 103.44% (p88 of band) | |
| Auto loans | $652,000 (0.45% of loans; DQ 0.00%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 3.5% | |
| Employees | 38 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | leverage <7%, reserve under noncurrent |  |
| 2011-06 | 1 |  | leverage <7% |
| 2011-09 | 2 | noncurrent p90 |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 3 | capital falling, charge-offs p90 | noncurrent p90 |
| 2012-06 | 2 | uninsured deposits leaving | capital falling, charge-offs p90 |
| 2012-09 | 3 | noncurrent p90 |  |
| 2012-12 | 2 |  | uninsured deposits leaving |
| 2013-03 | 4 | capital falling, charge-offs p90 |  |
| 2013-06 | 3 |  | capital falling |
| 2013-09 | 4 | uninsured deposits >50% |  |
| 2013-12 | 4 |  |  |
| 2014-03 | 4 |  |  |
| 2014-06 | 3 |  | charge-offs p90 |
| 2014-09 | 3 |  |  |
| 2014-12 | 3 |  |  |
| 2015-03 | 5 | capital falling, charge-offs p90 |  |
| 2015-06 | 3 |  | capital falling, charge-offs p90 |
| 2015-09 | 3 |  |  |
| 2015-12 | 4 | deposits shrinking |  |
| 2016-03 | 4 |  |  |
| 2016-06 | 3 |  | deposits shrinking |
| 2016-09 | 3 |  |  |
| 2016-12 | 4 | deposits shrinking, uninsured deposits leaving | uninsured deposits >50% |
| 2017-03 | 5 | capital falling |  |
| 2017-06 | 3 |  | noncurrent p90, capital falling |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 | uninsured deposits >50%, noncurrent p90 | deposits shrinking, uninsured deposits leaving |
| 2018-03 | 2 | capital falling | uninsured deposits >50%, noncurrent p90 |
| 2018-06 | 1 |  | capital falling |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | noncurrent p90 |  |
| 2019-03 | 3 | uninsured deposits >50% |  |
| 2019-06 | 2 |  | uninsured deposits >50% |
| 2019-09 | 2 |  |  |
| 2019-12 | 3 | uninsured deposits >50% |  |
| 2020-03 | 4 | capital falling |  |
| 2020-06 | 3 |  | capital falling |
| 2020-09 | 3 |  |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 4 | capital falling |  |
| 2021-09 | 4 |  |  |
| 2021-12 | 4 |  |  |
| 2022-03 | 6 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 5 |  | capital falling |
| 2022-09 | 3 |  | reserve under noncurrent, noncurrent p90 |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 | capital falling | AOCI drag >20% of equity |
| 2023-06 | 2 |  | capital falling |
| 2023-09 | 4 | deposits shrinking, assets shrinking |  |
| 2023-12 | 4 | wholesale funding >15% | assets shrinking |
| 2024-03 | 6 | capital falling, assets shrinking, uninsured deposits leaving | wholesale funding >15% |
| 2024-06 | 5 | wholesale funding >15%, NIM <2.5%, reserve under noncurrent | deposits shrinking, capital falling, assets shrinking, uninsured deposits leaving |
| 2024-09 | 3 |  | securities losses >30% of equity, NIM <2.5% |
| 2024-12 | 3 | securities losses >30% of equity | wholesale funding >15% |
| 2025-03 | 2 |  | securities losses >30% of equity |
| 2025-06 | 2 |  |  |
| 2025-09 | 4 | wholesale funding >15%, expense ratio p90, noncurrent p90 | uninsured deposits >50% |
| 2025-12 | 3 | uninsured deposits >50% | reserve under noncurrent, noncurrent p90 |
| 2026-03 | 4 | capital falling, noncurrent p90, reserve under noncurrent | expense ratio p90, uninsured deposits >50% |
| 2026-06 | 4 | construction >100% equity | capital falling |

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

- 2026-03-12 [Meet Bank of Coushatta new SVP of Commercial Lending - KTALnews.com](https://news.google.com/rss/articles/CBMiekFVX3lxTE4tQVBMYmN5dk8tVmxQX0F0azhYVThtR0dGZllaOWVsTk91OTNQN0JSVUlBV0o5THl1NjhZaUExUmhMeHRxV1FZNVJRRVpKLVg2Z2JINllXdkJHUFYwU2M5b25VXzZ2bklrcjFlcU13TVpmNjVmUnl1RXln0gF_QVVfeXFMTVdmb21VRmxMWWpIamFVWGQ5aDRMQ1hYRlMtWlpvbXNDcnBFX3doSEFXTnFHTDFYQ0RkQzU0M3FqYWhfMGRycDhJM25vdHk2SThOUXduU3QxM1lNUC1aZWUyTVlJVzlNdUYtMXZPVjU3Q0dOSkRiZFhaZEN0eGwtSQ?oc=5) · KTALnews.com
- 2026-04-28 [Charlotte Ann Brown Obituary (2026) - Coushatta, LA - Rockett-Nettles Funeral Home - Coushatta - Legacy obituary](https://news.google.com/rss/articles/CBMihAFBVV95cUxNSllKaUxFWE1wV3h2bHVaT041TG9FYlpzNUtjeF9vM01lR2FlMU5ORmFVcVBYenRENnNORDkwSXJvUTVreVpOUk9EWF9NU2plbjl2R3VsZ2d4MG5VUEtlNGZOWVVFLVVpSGZPMGsyN1BPMlhBZ1c0TlNzYWNLWWJsaDI2c1A?oc=5) · Legacy obituary
- 2018-12-17 [Bobby R. Gahagan Obituary December 17, 2018 - rose-neath.com](https://news.google.com/rss/articles/CBMiYEFVX3lxTE1rX0szV0xaNU5pa1FwWVJxeklWaXRkVmhJU3hRbmNiaS1QbzdnZ3lNdE5mTV9FaXdLUlhTa29vbmE1NE1yWk5ERk40M2lQRmNsRHVNTnJ2bFdRRWhpRGFLUQ?oc=5) · rose-neath.com
- 2026-08-26 [Shreveport woman arrested for identity theft and fraudulent loans - westcentralsbest.com](https://news.google.com/rss/articles/CBMi8AFBVV95cUxQZXRnbHhHM2RiQ0dybGdid1N5Y2o4bFVZaVEzV1VTTXc2ZDk1QVc1SEZRWXM0Vmt2UU5wejFBSktWcWF2WWFuLUhLVzJjVGU1bFY5RmptdVNGQmloeEl5MGZqNFVYSTJGY0IyTXJBMkZ0U1ozVXliR21rQWN3UVNaaEQ0N0VlVFBGNEM4em13dFdSWWJBM3dLdW9rYW9XM0YzcF85RkR4N2xDRElGMjl6MENvME5nSnF0dVZfT0g3WWlaSDQxUjQ4UTVlR1ktVW9ZWU9ZekdYSzRnQ2RuT1hTVHlaN0pucmN6b2lINmJwUTE?oc=5) · westcentralsbest.com
- 2014-10-27 [Roby D. Jones Obituary October 27, 2014 - rose-neath.com](https://news.google.com/rss/articles/CBMiXEFVX3lxTE1uZURaanZQNElxcEVrUlNyR3hZMzlrRVZQaEx2aVhfTnNMb2lzZTA0SUZEXzBTUE83T1J5Mmo5cmVNbHE2eE05cm9seWJDYVFVMGp4MnNJZDl4SFFm?oc=5) · rose-neath.com
- 2023-11-30 [Jean Kennard Page Obituary (2023) - Coushatta, LA - Rockett-Nettles Funeral Home - Coushatta - Legacy obituary](https://news.google.com/rss/articles/CBMifEFVX3lxTFBrblREcVphTWdhblBEcE5SUFQzR0ZnV0J1Y1FidVl4aW9nSHRSR29OZFpzUG9rakJDd1RaVTBSUlp4OWI4ZGxpT0Jvb0liOXQ0aW1weDlGNGM2QmxqVlZDOUs0bEU0OXVhZkxScE1VLWhyMEpieWZVaXZyVl8?oc=5) · Legacy obituary
- 2021-10-11 [David Loftin Obituary (2008) - Coushatta, LA - Shreveport Times - Legacy obituary](https://news.google.com/rss/articles/CBMilgFBVV95cUxQTjNoOWozUFFCRXlHdHNRWmhHNXVoTnRGcTQ1NUxxWG9fLXFWd2Jqcm94WjAzRl9JWDJFQlNPekJDZm5hM0JUTHhZY0V3dW9XM0xCT0pxcnZTV3Fac0ljU3RGTUVIZ0tVS1g2MzNzVThHR1FsU05xMDNINUh2LUNnU2tfUmx1cmpNcWVVUFRaLWc0OHBvanc?oc=5) · Legacy obituary
- 2020-07-02 [Karen Glover Obituary (1960 - 2020) - Coushatta, La, LA - Shreveport Times - Legacy obituary](https://news.google.com/rss/articles/CBMilAFBVV95cUxNX2pqX0o3WjFQMmltbTlOS2NRRkIxbkxhOWEtWHkyQzdmT1FTUEFKNTIzdm9RS1BjMENib25YdW5mSlJQcW9wUS1UYjlSeFV5U1ppNF9iNGNoWVFuN1U0bnAzR3RZdlFOYnRzdExGYWFsaWY2c3A3cWtPN21vaEstbDlHY25wbGdhMXFuaXFjYnZVOVhf?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8531 (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/19.json (key "8531", 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