# BANK OF ERATH
ERATH, LA · FDIC certificate 8532 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $105.3M | |
| Deposits | $90.2M | |
| Loans and leases | $43.5M | |
| Total equity | $14.3M | |
| Loans / deposits | 47.42% (p17 of band) | 73.59% |
| Liquid assets / assets | 55.09% (p83 of band) | |
| Uninsured deposits / deposits | 12.15% (p21 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 14.39% (p73 of band) | 11.76% |
| Unrealized securities loss / equity | -10.61% (p39 of band) | -6.57% |
| AOCI / equity | -0.86% (p31 of band) | |
| ROA (annualized) | 0.18% (p9 of band) | 1.17% |
| Net interest margin | 4.19% (p64 of band) | 3.93% |
| Efficiency ratio | 92.59% (p91 of band) | |
| Noncurrent loans | 1.42% (p78 of band) | 0.36% |
| Net charge-offs (annualized) | -0.01% (p13 of band) | |
| Reserve coverage of noncurrent | 112.97% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 29.15% (p63 of band) | |
| Auto loans | $646,000 (1.49% of loans; DQ 0.46%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -1.2% | |
| Employees | 27 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)

## 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 | 1 | capital falling |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | uninsured deposits leaving |  |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 1 |  | uninsured deposits leaving |
| 2013-09 | 0 |  | capital falling |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 5 | noncurrent p90, charge-offs p90, reserve under noncurrent, deposits shrinking, assets shrinking |  |
| 2016-06 | 2 |  | charge-offs p90, deposits shrinking, assets shrinking |
| 2016-09 | 5 | capital falling, charge-offs p90, uninsured deposits leaving |  |
| 2016-12 | 5 |  |  |
| 2017-03 | 1 |  | noncurrent p90, capital falling, charge-offs p90, uninsured deposits leaving |
| 2017-06 | 2 | uninsured deposits leaving |  |
| 2017-09 | 1 |  | uninsured deposits leaving |
| 2017-12 | 2 | capital falling, expense ratio p90 | reserve under noncurrent |
| 2018-03 | 0 |  | capital falling, expense ratio p90 |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | reserve under noncurrent |  |
| 2018-12 | 0 |  | reserve under noncurrent |
| 2019-03 | 1 | reserve under noncurrent |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | uninsured deposits leaving |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 1 |  | uninsured deposits leaving |
| 2020-09 | 3 | capital falling, charge-offs p90 |  |
| 2020-12 | 2 |  | reserve under noncurrent |
| 2021-03 | 2 | reserve under noncurrent | charge-offs p90 |
| 2021-06 | 1 |  | reserve under noncurrent |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 5 | capital falling, losing money, expense ratio p90, charge-offs p90, reserve under noncurrent |  |
| 2022-06 | 3 |  | capital falling, losing money |
| 2022-09 | 3 | AOCI drag >20% of equity, securities losses >30% of equity | expense ratio p90, charge-offs p90 |
| 2022-12 | 3 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 2 | deposits shrinking |  |
| 2023-09 | 2 | securities losses >30% of equity | reserve under noncurrent |
| 2023-12 | 3 | noncurrent p90, reserve under noncurrent | securities losses >30% of equity |
| 2024-03 | 3 |  |  |
| 2024-06 | 3 | charge-offs p90 | deposits shrinking |
| 2024-09 | 3 |  |  |
| 2024-12 | 2 |  | charge-offs p90 |
| 2025-03 | 3 | uninsured deposits leaving |  |
| 2025-06 | 5 | deposits shrinking, assets shrinking |  |
| 2025-09 | 2 |  | uninsured deposits leaving, deposits shrinking, assets shrinking |
| 2025-12 | 1 | uninsured deposits leaving | noncurrent p90, reserve under noncurrent |
| 2026-03 | 0 |  | uninsured deposits leaving |
| 2026-06 | 1 | expense ratio p90 |  |

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

- 2018-07-03 [Beth B. Melebeck named as President of Bank of Erath - Vermilion Today](https://news.google.com/rss/articles/CBMigAFBVV95cUxOdHJEWF9PczZFMU9KaFVMV19zbk9wbHl6aGNjZE5aRU1wVlVwOXlYbjNueTVpMXcwdkdxaTQtRUdjSnp5V1dUT1RWZnhyY2VEMWlWaVJyOXZFbldpV01tMnhGc2NGNk1Ic1pWU2xfSFhKUUI0Vi10cThhZzFaT0dRTg?oc=5) · Vermilion Today
- 2025-05-26 [Jude Kerner Barras Obituary May 26, 2025 - Frioux David Funeral Home](https://news.google.com/rss/articles/CBMiY0FVX3lxTE4zWXZkTVZlY2N3OUhmSEdhUUc1NHpyTXpSWW1XaUh1WlE2akZJZlNPMGMzOWtEQ1lvdVBtVmg0Q2R2M0Z6LVZQYjQ1ZUdZcFdZUjlxWmpxYnRCb2Q1MlVUQUwxdw?oc=5) · Frioux David Funeral Home
- 2020-04-23 [Beth Broussard Melebeck Obituary Apr 23, 2020 - Vincent Funeral Home](https://news.google.com/rss/articles/CBMia0FVX3lxTE1Ic25ndGdzZE1UbTZjNDQ3Nzdtdnh6aHFtb1RBY0NmYXM2YmZXOFBxcGgyc0wyeGhIZHNDZjJ6OUE5MHZhSGVRbUFhd3djMml6ZTNOQTFpOWF4UXlhOEVDZzZEN3FTRnhlbHhV?oc=5) · Vincent Funeral Home
- 2025-04-13 [Beverly Trahan Obituary - Delcambre, LA - Dignity Memorial](https://news.google.com/rss/articles/CBMihgFBVV95cUxQSkpjdjNIUmZDVHZ0VElyYTBZTzVGb25tX3V6eXQtMjRJUVFxYmtsWnVUeGxOSUtMblFGazNDMUpGS0YzOXdubU5zVWs5UDBJblh2YTFHWW5JY2tjQUVlcGw3VXNvRDM3WkQ4N3V1WDZRU1V0UnlDWHp4ZFQwNHNiVFR5YnNTQQ?oc=5) · Dignity Memorial
- 2020-02-08 [Norma White Dugas Obituary Feb 8, 2020 - Frioux David Funeral Home](https://news.google.com/rss/articles/CBMiY0FVX3lxTE1UNTRINHdGdnFhcjQ5dDdKdkxlam1PMlZBUXV1VWNST0piOGNaZnQtNlpyME1DaDNIM1JmMzhMMXJEMzQ0ZWhJYmI3ZUNEMDNGU19pWDlFSUpfZW8tNlFvbkVicw?oc=5) · Frioux David Funeral Home
- 2021-01-25 [Abbeville Student’s Pig and Community Honors Her After She Dies - 99.9 KTDY](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOY3RzU2dzV1A5YTBuSUZyWVpyRlBmbDl1eWRUOFZjZjRBdnFFTmV4aFo1S2huQVl6bmRBNXo4MEljYUFUeVNCd3ZTbHdYQkJHSnRtUGVabEduWDdpUTlkM3lXVElZRFRMZ29HX2xhWlQ4cW9fdXNZYVhmSnlBdnRIM1hfNXRLQjd3UWtz?oc=5) · 99.9 KTDY
- 2022-04-25 [Paul G. Moresi, Jr. Obituary Apr 25, 2022 - Vincent Funeral Home](https://news.google.com/rss/articles/CBMibEFVX3lxTFBfUGF3dE5tRWNfaVhDZ3B4ei0yN3RGNWN0Yy15aG1vR3V6RkhDSjJVOHd3b2lWT3dFTVBOUUptQWFZYk1abDAtVHR5X19HVVBRY0tuN1BsUlRfT05oTTdSS0dudHhOdUdvOUlQNg?oc=5) · Vincent Funeral Home
- 2010-01-08 [Albert Caldwell Obituary (2010) - New Orleans, LA - The Times-Picayune - Legacy obituary](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQVTdJdGVpR3ZZdVFjM0d5VEF5NGI0ZTAtcWE3WTd2VVRYQUJiQTQzclF3eTI2a2NVdEY5Sl94U0k2U0NmWVVLNEpQbEZPVFZiWDRjZC1jSXN4ZlA3bTBlVEQyRE5LckFXWnFBOG9rbGVnQmdtNGVLajV1WmtWX0tnVlRSRmNwZ0xCSVlF?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8532 (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/20.json (key "8532", 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