# COTTONPORT BANK
COTTONPORT, LA · FDIC certificate 8798 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $581.6M | |
| Deposits | $500.5M | |
| Loans and leases | $365.6M | |
| Total equity | $77.8M | |
| Loans / deposits | 72.10% (p29 of band) | 82.04% |
| Liquid assets / assets | 35.22% (p76 of band) | |
| Uninsured deposits / deposits | 21.78% (p35 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.94% (p85 of band) | 10.81% |
| Unrealized securities loss / equity | -5.39% (p60 of band) | -8.10% |
| AOCI / equity | -0.74% (p31 of band) | |
| ROA (annualized) | 1.77% (p79 of band) | 1.28% |
| Net interest margin | 4.37% (p76 of band) | 3.91% |
| Efficiency ratio | 54.34% (p29 of band) | |
| Noncurrent loans | 0.99% (p72 of band) | 0.43% |
| Net charge-offs (annualized) | 0.04% (p74 of band) | |
| Reserve coverage of noncurrent | 130.34% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 66.91% (p69 of band) | |
| Auto loans | $3.8M (1.03% of loans; DQ 4.26%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 4.6% | |
| Employees | 136 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 2 | capital falling |  |
| 2012-03 | 1 |  | capital falling |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | uninsured deposits leaving |  |
| 2013-03 | 2 | deposits shrinking | uninsured deposits leaving |
| 2013-06 | 2 |  |  |
| 2013-09 | 3 | assets shrinking |  |
| 2013-12 | 1 |  | deposits shrinking, assets shrinking |
| 2014-03 | 1 |  |  |
| 2014-06 | 0 |  | reserve under noncurrent |
| 2014-09 | 1 | reserve under noncurrent |  |
| 2014-12 | 0 |  | reserve under noncurrent |
| 2015-03 | 1 | reserve under noncurrent |  |
| 2015-06 | 2 | charge-offs p90 |  |
| 2015-09 | 3 | noncurrent p90 |  |
| 2015-12 | 2 |  | noncurrent p90 |
| 2016-03 | 2 |  |  |
| 2016-06 | 1 |  | charge-offs p90 |
| 2016-09 | 2 | uninsured deposits leaving |  |
| 2016-12 | 1 |  | uninsured deposits leaving |
| 2017-03 | 2 | uninsured deposits leaving |  |
| 2017-06 | 1 |  | uninsured deposits leaving |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | capital falling |  |
| 2018-06 | 1 |  | capital falling |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | noncurrent p90 |  |
| 2019-06 | 1 |  | noncurrent p90 |
| 2019-09 | 2 | capital falling |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 0 |  | reserve under noncurrent, capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 2 | capital falling, reserve under noncurrent |  |
| 2021-06 | 1 |  | reserve under noncurrent |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | uninsured deposits leaving |  |
| 2022-09 | 1 | AOCI drag >20% of equity | uninsured deposits leaving |
| 2022-12 | 0 |  | AOCI drag >20% of equity |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 1 | uninsured deposits leaving |  |
| 2023-12 | 0 |  | uninsured deposits leaving |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | charge-offs p90 |  |
| 2025-06 | 0 |  | charge-offs p90 |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | reserve under noncurrent |  |
| 2026-06 | 0 |  | reserve under noncurrent |

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

- 2025-06-01 [From small town roots to statewide impact, The Cottonport Bank brings personal service and innovation to Louisiana customers - The Advocate](https://news.google.com/rss/articles/CBMixgJBVV95cUxNQTg3NEhEZDJLMk5xSXgwREJZcGpjeUVSdHR0M3hZNlg1aERFYmRpMnAyRFBGeVdBeW5heGc1YUp2TklGdm5hOGt4UUJaWVBnQTVkMVVxV0NOOFEwd2NyOWhMSkhnQXRDMUFSRWw1bGxVaUl5aTFUUHE0LVliajFWRzYtMDhVVGNoVURVYks5RGNmVUthaUVxUmtBRmZYOTVSUFIxaGhFUkRVdDJmZER1SVhnSV9HTnVZVDJud19lZTJjbnZnU3FTS2ZSX01EMUZZQzFLaTE2b054WkJIbXpQODVhLUN1djBxS2pNWlhYekV1Si1EdVJrVFpTSXFiVGZkcTlyb3pYNmUtS04tdHlVTUtoeXJYamFBc2R1aHhTb3g2ZThwMmI2MkJXak5Pc0JTcDJqV0tVOXB2aDlrYl9TcjJIM3pZdw?oc=5) · The Advocate
- 2024-07-31 [LSU Department of Finance, LBA Celebrate Credit Analyst Education Program Graduates - Louisiana State University](https://news.google.com/rss/articles/CBMilAFBVV95cUxOWm5xLWpLd01wSktEeHp2RDBROVBnaFRsdnpFc3pZRG9BZDFhUGxmMmtBYWpSekVDVjVSU25UbU1wQWZDTFBYM2c0M2M0UDlZb2wwY0VNN2tfc2xQSEI2b2VtR0NGSGVHTWRCdU9fT3pKQlhkbXh3NXJ5ZTV4LXFlZFdSTE1IRHozREgxWlBqODduWTZv?oc=5) · Louisiana State University
- 2022-12-07 [Corporate Boulevard bank robber arrested, police say - WAFB](https://news.google.com/rss/articles/CBMijAFBVV95cUxOY2hmOUhsRXpoQllCWG5BdHJZc2tmTTVXX01JeHh3cEJ6RFV6T0FOWGk5RkRfR3R1cXgxMmFDclJYYlFkallRcXdVbEx2bC1JVk11YW9tQXFYSUphYXVqYXpvQ0VCbWUybzRnbVJRSzZ0c0l0UWNia0wyYnZXRks0ZVRPY2ZLb1pjODNGQg?oc=5) · WAFB
- 2024-02-18 [Louisiana Bankers council name officers - NOLA.com](https://news.google.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?oc=5) · NOLA.com
- 2016-10-06 [Local nonprofit recieves grant to assist developmentally disabled - KALB | News Channel 5](https://news.google.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?oc=5) · KALB | News Channel 5
- 2023-11-30 [Man sentenced to nearly six years in prison for bank robbery in BR - WAFB](https://news.google.com/rss/articles/CBMijwFBVV95cUxOUFduR2VoblphcnZrcWl2SDVTXzRHUjVpd015R3J6dDNFVnh4SmN0aExTTTFfZWtwM3I4aXlkT3BhU2NXWk4zbnFWMUlZdmxEOTFldTVQSUhfZV9vS1BTNDFYYmdxOWQxM0VHMGx3WFBjSVNwTl9hSHhyYWVna2lZdVRvQ1BuS0lJd19GRFB4NNIBowFBVV95cUxOQlRBenBhRzc5Zm5aSDl3TVhKWG9IMUNyRmhfVGdGVUVFSVVaSndEYUFxRGM3clIwa2d3Z0VPNVdpYnZMVEVtSDhjZ1VRb3V0YzNyaEtlRWp6R3BONEhFSnlTTUdsLVJIcmxNOEMxQzJ2YjktMkgtRXFVaVVIQmpGbmhleEdubWh5ektsbEZVTWhkU3pabVUtOHltNVAxUDJ3TzlZ?oc=5) · WAFB
- 2018-04-15 [Louisiana medical marijuana industry finds tentative bank partners - The Advocate](https://news.google.com/rss/articles/CBMi_wFBVV95cUxQXzRsS0M2QllHRFlSQTFHNnh6MHAzOFdOQ2JvblFWd2tlNC1mMUo0Nzh0Q2t3Tmh1MHJQMF9NdHlGUHlLNEE0R3U2OC16Z21LYnR6bmtLYV9hRjRqSzh1T0VtXzhfOWpmUVc0aUJEeXRxZkJiQ3VHX3JRQktVYXRTcHh5ZUU0NUxyMXRXSlhDei1jbU9VaUpoc1FJSHVGM1RLbGI4M1YwdDdiemp0ajRfVDNLWUlnaGtYXzNZNW9EU0NtXzBkS3NBaTRxek5GMVdCVTdBUF9nM3o3WjN3MjdVNHR6RGJWTThLb3c2LWRKbzNrT0QzdGlwYndPNHBUUFU?oc=5) · The Advocate
- 2023-08-21 [Man pleads guilty to robbing Baton Rouge bank - WAFB](https://news.google.com/rss/articles/CBMigAFBVV95cUxNU1B5dDJDZDZHc0tUM3pvaXB0RHpJbVNnMXVLRE8ycVdIVmZHOUVfX0JDa01sd3FhcktNNEZPVFp1eURGbkJhYnp5Q2J3ZU5tdFp2a0xhSUk2TUZqZmlJeHJYUHdNM2J6LUNsVHZ1VXJ5Q1RhRkVWMVQtRW9sbDVKbdIBlAFBVV95cUxNWUswOEtFRFdhaV9vMWE1enFWWjFiVVJNUS00WFllUmZhVkpsYXphcGtaNVpiMVVDTXo4ODFaeGpSclNhVnVxR2xZLWVsRm50OUlOaTFpYjRmX0JwNkpsUWt4S2lGQ0M4NG1faklwS0RHVUpBWUxoQmREY1BxOGk0RTY3V3lQQ3FyMUFzYVdZbjlnaUM2?oc=5) · WAFB

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8798 (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/30.json (key "8798", 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