# BANK OF LOUISIANA
LOUISIANA, MO · FDIC certificate 8885 · asset band <$300M · latest filing 2021-09 · stopped filing (departed)

**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 | $57.0M | |
| Deposits | $50.1M | |
| Loans and leases | $29.8M | |
| Total equity | $6.4M | |
| Loans / deposits | 58.34% (p41 of band) | 63.26% |
| Liquid assets / assets | 43.59% (p54 of band) | |
| Uninsured deposits / deposits | 14.23% (p31 of band) | 18.86% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p24 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.39% (p46 of band) | 10.61% |
| Unrealized securities loss / equity | 4.57% (p85 of band) | 0.71% |
| AOCI / equity | -4.14% (p10 of band) | |
| ROA (annualized) | 0.28% (p12 of band) | 1.03% |
| Net interest margin | 3.18% (p44 of band) | 3.29% |
| Efficiency ratio | 92.24% (p90 of band) | |
| Noncurrent loans | 0.06% (p31 of band) | 0.32% |
| Net charge-offs (annualized) | -0.04% (p8 of band) | |
| Reserve coverage of noncurrent | 3117.65% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 13.11% (p48 of band) | |
| Auto loans | $120,000 (0.40% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 2.1% | |
| Employees | 13 | |

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 1 | reserve under noncurrent |  |
| 2012-03 | 2 | noncurrent p90 |  |
| 2012-06 | 2 | uninsured deposits leaving | noncurrent p90 |
| 2012-09 | 5 | losing money, expense ratio p90, assets shrinking |  |
| 2012-12 | 2 |  | losing money, expense ratio p90, assets shrinking |
| 2013-03 | 1 |  | uninsured deposits leaving |
| 2013-06 | 2 | capital falling |  |
| 2013-09 | 1 |  | capital falling |
| 2013-12 | 3 | AOCI drag >20% of equity, noncurrent p90 |  |
| 2014-03 | 2 |  | AOCI drag >20% of equity |
| 2014-06 | 2 |  |  |
| 2014-09 | 3 | capital falling |  |
| 2014-12 | 2 |  | capital falling |
| 2015-03 | 2 | deposits shrinking | noncurrent p90 |
| 2015-06 | 3 | assets shrinking |  |
| 2015-09 | 2 | noncurrent p90 | deposits shrinking, assets shrinking |
| 2015-12 | 2 |  |  |
| 2016-03 | 3 | capital falling |  |
| 2016-06 | 2 |  | capital falling |
| 2016-09 | 3 | uninsured deposits leaving |  |
| 2016-12 | 2 |  | uninsured deposits leaving |
| 2017-03 | 3 | capital falling |  |
| 2017-06 | 2 |  | capital falling |
| 2017-09 | 1 |  | noncurrent p90 |
| 2017-12 | 0 |  | reserve under noncurrent |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2018-12 | 3 | noncurrent p90, reserve under noncurrent | deposits shrinking |
| 2019-03 | 6 | capital falling, losing money, expense ratio p90 |  |
| 2019-06 | 4 | charge-offs p90 | uninsured deposits leaving, noncurrent p90, reserve under noncurrent |
| 2019-09 | 2 |  | capital falling, expense ratio p90 |
| 2019-12 | 2 |  |  |
| 2020-03 | 4 | expense ratio p90, noncurrent p90, reserve under noncurrent | charge-offs p90 |
| 2020-06 | 4 | capital falling | losing money |
| 2020-09 | 1 |  | expense ratio p90, noncurrent p90, capital falling |
| 2020-12 | 0 |  | reserve under noncurrent |
| 2021-03 | 0 |  |  |
| 2021-06 | 2 | capital falling, expense ratio p90 |  |
| 2021-09 | 1 |  | capital falling |

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

- 2023-01-06 [HNB National Bank acquires Louisiana, Missouri, bank - wgem.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxQdnYzTU5EMWlVTG5uaFFUcFZ1bTJWb04xZzFjWVVaeXk5XzB0M0hCOU1WeWpuaW9fV0xLc0lONzY4RjFhQ1BkWDkya1U0RmxNX3JhVlRXNzJaNUNndE9ha2V6bEtFcm10SEVlUi1HcEVjUGpJMHV0aUtDbkdhdUtBNW55cmVzSzZISUJwa201YTVMZ9IBpgFBVV95cUxNMVRXRVFGNnRsQlFocUxfcEo5SWJLdHRJZ3JNbktHdE5Mc3lWZzVEVXFFY08zcG9ZTWlGOEFZZ0FGcFoxQ3Z0cGttYktza0dIeVQ0TWRpLXRMQVN2c1NXdXdCMFIwLWdjWEtndnlwaDBsUmNid2JfQ19KZzh4bkY2NDk1b2pib2ZNX1VZOF9sWUpaVVZVd1F4RWpkQXdfMFBNWHZSanln?oc=5) · wgem.com
- 2023-10-05 [Mercantile National Bank of Louisiana Mo. Archives - Muddy River News](https://news.google.com/rss/articles/CBMifEFVX3lxTFB4dzhpaHVTNUd1WHczZW0tR0tpclBXUFZLUGx3dVEtV3VyU01JVXVzMm9tUk15VnpXc0pLbVRzUW5iWVNqZG9hUFRYdHhLWlIwc1oxTlkyTmpxSkVOVkM5SXN2UGRKaDFSMnB1Q2lhX2drYkhEMi1aOVZsZ2I?oc=5) · Muddy River News
- 2023-01-08 [HNB Bancorp, Northeast Missouri Bancshares announce plans for merger - Muddy River News](https://news.google.com/rss/articles/CBMivgFBVV95cUxPMlUxVW9lVkY0ZGFwVmMySVlwUmtvR1VBbDkzTkZOeHh0ZmxSN1FRdll1Yk1rUnA2Ukhta0x5ci0yOFZNQzA4VGljTUhoUEdSMFJpT3lBMWd0djVidWdnWkpueV9qN1Fha0p3eEo4YUZicThWZVdSMjBIRFlDQU0yUl8tZ2pNQ1hiZEVaeVBDV1NMeDlzb2o0RWRGWGI4TW9NVmV3bUp6SG5EZDl2T0p5clJPb0xjQ3NjSHh1RVln?oc=5) · Muddy River News
- 2022-10-20 [Real Deals: Mia Rose adds to NWA investment with $6.5M purchase - Talk Business & Politics](https://news.google.com/rss/articles/CBMimwFBVV95cUxPT1kxUUVwbjFUektMbHRVcG1xeWdCQ1hwcWpvWVF2YURNenlwLWdRZjkyOUpCMFNKQ1dLeks2SS12SUlmbWhkTEhfVllLNTgwTVJTc215cVRwOXJ0aE02NFlFaGNRc0FZQ1F1YW5iNVV6d1B2c012cWdYWkhfVmMyWkE1RVJGWklZaTV2OUNVVTNJLTFpd29HcHhRVQ?oc=5) · Talk Business &amp; Politics
- 2023-05-02 [Lindenwood’s history with slavery is complicated - Lindenlink](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNU0pnbGJsVkFJOXQ5UkFLSkViS3FrR1lXeE5aTkN1bmZVU0tJaUVkdEZoa3JUTy1PWVFMbzZDM2o5WWxQMVctN3k1NGQ0Tjc4VG5qM2dSNkdBeW5NbDNjeWk5MVVsaGJVVTBUemZ1MDM1RTRJOVRGdGtKcXhBZGlfckI4cWZwYnBwYjBN?oc=5) · Lindenlink
- 2026-09-01 [Barbara Alice Robinson Obituary (1933 - 2026) - Louisiana, MO - WGEM - legacy.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxOb0p5ZWV3UVRGekZFblZtNkV3M0ZOeVdDSTVjRVB4cFlVa1gzblE2UVY1Y3NYSWh6RWh6S25mU0JBSlo4TU0yQlE3Q3BkdWx5UmdjUlJyYmJkSUlJX3pqWnJPazhEYThDVnlqeUJXeGllaWlDakl0aTl1dVJESVJwUVZsVUZyMDBzUXhJZg?oc=5) · legacy.com
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - iMore](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · iMore
- 2019-03-19 [[Update: And now 15 more] Google Pay adds support for 62 new banks and credit unions in the US - androidpolice.com](https://news.google.com/rss/articles/CBMirwFBVV95cUxPdmxZRXZOelQ1UXgwVnVQNEpDTWFuOVl5SXExa3VXZmtzWlFoM2pOQjhqanNuQXJESU9TU3lyMENTdGFtN19JaWpZZ1pwYjhiemE5TUV3U0RvT0NzeGxtVDVMMUtpZ0NWYk54Y20zLWRxV0lqbUZEWlFIdmxyRUJieloxOGlNeFVLNlhMY2VOaUFXN3M1T3hTRGdCZzU3MnJHaUNFTUpfSC04T2ZBRy1v?oc=5) · androidpolice.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8885 (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/53.json (key "8885", 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