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First National Bank USA

$100M-$1B Specialty: Commercial LA FDIC cert 22046

Designations: ✓ CDFI-certified

Boutte, LA

2 branches across LA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 73 in LA.
  • Deposits +10.7% year over year ($213.1M on the books).
  • Delinquency rate 0.03%.
  • Return on assets 1.65%.
  • Efficiency ratio 54.32% vs a 64.48% peer average.
  • Loan-to-deposit ratio 52.60% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 73 in LA
View $100M-$1B leaderboard (LA) →

First National Bank USA has 4 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Credit Quality Leader: Top 17.5% in tier
  • + ROA 0.33% above tier average
  • + Net Interest Margin 0.77% above tier average
  • + Efficiency Ratio 10.16% below tier average

Key Concerns

Areas that may need attention

  • - NIB Deposit Bleed: Bottom 46.9% in tier
  • - Margin Compression: Bottom 74.9% in tier
Get updates when First National Bank USA releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Total Assets ? $249.1M
+10.8% YoY +3.8% QoQ
-$137.5M $386.6M
+1.2% YoY
$799.3M
+7.8% YoY
$6.3B
+7.7% YoY
36%
Total Loans ? $112.1M
+4.9% YoY -0.9% QoQ
-$146.3M $258.3M
+1.7% YoY
$538.5M
+5.3% YoY
$3.2B
+9.4% YoY
23%
Total Deposits ? $213.1M
+10.7% YoY +3.9% QoQ
-$113.6M $326.7M
+0.7% YoY
$677.9M
+7.3% YoY
$4.9B
+7.3% YoY
37%
Return on Assets ? 1.65%
-13.2% YoY -6.6% QoQ
+0.33% 1.32%
+10.8% YoY
1.37%
+23.6% YoY
1.30%
+12.1% YoY
74%
Net Interest Margin ? 4.76%
-5.2% YoY -2.0% QoQ
+0.77% 3.99%
+5.0% YoY
4.15%
+0.0% YoY
3.95%
+4.9% YoY
Top 12.6% in tier
Efficiency Ratio ? 54.32%
+5.1% YoY +1.0% QoQ
-10.16% 64.48%
-3.2% YoY
69.40%
-0.9% YoY
70.05%
+2.5% YoY
74%
Delinquency Rate ? 0.03%
-7.4% YoY +0.9% QoQ
-0.89% 0.92%
+15.7% YoY
1.53%
+7.9% YoY
0.98%
+16.3% YoY
82%
Loan-to-Deposit Ratio ? 52.60%
-5.3% YoY -4.6% QoQ
-25.35% 77.95%
+1.0% YoY
77.15%
-1.0% YoY
79.03%
+2.3% YoY
Top 10.5% in tier
Non-Interest-Bearing Deposit Share ? 20.70%
-17.1% YoY -9.9% QoQ
-1.33% 22.03%
-0.6% YoY
24.65%
+0.5% YoY
21.98%
-0.6% YoY
49%
Nonperforming Asset Ratio ? 0.01%
-12.3% YoY -3.7% QoQ
-0.66% 0.67%
+16.4% YoY
1.11%
+4.1% YoY
0.69%
+15.8% YoY
Top 14.6% in tier
Tier 1 Capital Ratio ? 14.06%
+2.9% YoY +1.0% QoQ
-1.85% 15.91%
+1.4% YoY
17.35%
+5.4% YoY
17.09%
+0.8% YoY
58%
Non-Interest Income / Assets ? 0.12%
-6.9% YoY +85.6% QoQ
-0.45% 0.57%
+7.6% YoY
0.33%
+19.6% YoY
0.66%
+5.2% YoY
25%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Noninterest-Bearing 20.7%
-4.3pp YoY
-2.3pp QoQ
 -1.4pp 22.1% 24.6% 22.2% 48%
Brokered Deposits 0.4%
+0.2pp YoY
0.0pp QoQ
 -7.4pp 7.9% 6.7% 8.5% 11%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
C&I 3.6%
-0.8pp YoY
-0.2pp QoQ
 -7.9pp 11.6% 12.6% 12.5% 13%
CRE 55.9%
+0.1pp YoY
0.0pp QoQ
 +16.3pp 39.5% 44.9% 41.4% 80%
1-4 Family 37.2%
+1.0pp YoY
+0.3pp QoQ
 +4.6pp 32.6% 34.2% 31.3% 66%
Consumer 0.8%
-0.1pp YoY
0.0pp QoQ
 -3.3pp 4.1% 4.2% 5.0% 23%

Capital

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 22.5% 19.7% n/a
Leverage Ratio 14.1%
+0.4pp YoY
+0.1pp QoQ
 +1.9pp 12.2% 13.4% 12.6% 82%
Total Capital Ratio n/a n/a 19.9% 23.6% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Full-Time Employees 29
-4 (-12.1%) YoY
+1 (+3.6%) QoQ
 -30 58 114 482 25%
Assets per Employee ($) $8.6M
+26.1% YoY
+0.3% QoQ
 +$1.1M $7.5M $6.8M $8.8M 75%
Branch Count 2
0 YoY
0 QoQ
 -3 4 9 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.4% 0.4% 31%
Nonaccrual n/a n/a 0.9% 1.4% 1.0% n/a
Allowance Coverage 42.88x
+6.4% YoY
+4.3% QoQ
 +18.73x 24.15x 27.36x 20.23x 94%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 54%

Profitability

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
ROE 11.8%
-2.3pp YoY
-0.7pp QoQ
 -0.4pp 12.2% 12.5% 11.6% 48%
Cost of Funds (YTD) 0.9%
-0.1pp YoY
0.0pp QoQ
 -0.8pp 1.7% 1.7% 1.7% 8%
Net Income ($, YTD) $2.0M
-4.9% YoY
— QoQ
 -$585K $2.6M $5.1M $40.4M 51%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth
#116 of 659 • Top 17.5% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.03%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (2)

NIB Deposit Bleed

decline
#77 of 162 • Bottom 46.9% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature
Noninterest-Bearing Deposit Share: 20.70%
(Tier: 22.03%, National: 21.98%)
worse than tier avg
162 of 162 Community banks match · 211 nationally
↓ Shrinking -26 banks QoQ

Margin Compression

decline
#231 of 307 • Bottom 74.9% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.65%
(Tier: 1.32%, National: 1.30%)
better than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

278
Loan-to-Deposit Ratio
liquidity
Value: 52.60%
Peer Median: 77.95%
#278 of 2643 Top 10.5% in $100M-$1B
334
Net Interest Margin
profitability
Value: 4.76%
Peer Median: 3.99%
#334 of 2643 Top 12.6% in $100M-$1B
386
Nonperforming Asset Ratio
credit_quality
Value: 0.01%
Peer Median: 0.67%
#386 of 2643 Top 14.6% in $100M-$1B
465
Delinquency Rate
credit_quality
Value: 0.03%
Peer Median: 0.92%
#465 of 2633 Top 17.6% in $100M-$1B

Top Weaknesses (2 metrics)

2043
Total Loans
size
Value: $112.08M
Peer Median: $258.35M
#2043 of 2643 Bottom 22.7% in $100M-$1B
1991
Non-Interest Income / Assets
revenue_mix
Value: 0.12%
Peer Median: 0.57%
#1991 of 2643 Bottom 24.7% in $100M-$1B
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