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Fifth District Savings Bank

$100M-$1B Specialty: Mortgage LA FDIC cert 27697

New Orleans, LA

7 branches across LA

2664 banks in the $100M-$1B peer group nationally 74 in LA
View $100M-$1B leaderboard (LA) →

Fifth District Savings Bank has 1 strength but faces 7 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

  • + Delinquency Rate 0.87% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 3.5% in tier
  • - Flatlined Growth: Bottom 8.2% in tier
  • - Liquidity Strain: Bottom 21.2% in tier
  • - Return on Assets 0.95% below tier average
  • - Net Interest Margin 1.12% below tier average
  • - Efficiency Ratio 20.23% above tier average
  • - Non-Interest-Bearing Deposit Share 20.30% below tier average
Get updates when Fifth District Savings Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Total Assets ? $535.3M
+0.9% YoY +0.2% QoQ
+$149.2M $386.1M
+0.5% YoY
$784.8M
+7.0% YoY
$6.2B
+9.1% YoY
75%
Total Loans ? $388.3M
+3.2% YoY +3.2% QoQ
+$132.6M $255.7M
+1.1% YoY
$523.7M
+4.0% YoY
$3.2B
+10.8% YoY
79%
Total Deposits ? $419.1M
-0.3% YoY +0.1% QoQ
+$91.1M $328.0M
+0.1% YoY
$671.5M
+6.9% YoY
$4.8B
+8.2% YoY
72%
Return on Assets ? 0.32%
+445.2% YoY -59.4% QoQ
-0.95% 1.27%
+12.9% YoY
1.24%
+12.4% YoY
1.23%
+13.4% YoY
Bottom 8.5% in tier
Net Interest Margin ? 2.81%
+18.6% YoY +9.9% QoQ
-1.12% 3.93%
+6.0% YoY
4.12%
+1.2% YoY
3.89%
+5.7% YoY
Bottom 7.0% in tier
Efficiency Ratio ? 85.52%
-11.7% YoY +14.9% QoQ
+20.23% 65.29%
-4.5% YoY
70.37%
-1.0% YoY
66.95%
-4.1% YoY
Bottom 9.8% in tier
Delinquency Rate ? 0.02%
-91.9% YoY -88.8% QoQ
-0.87% 0.89%
+18.8% YoY
1.51%
+4.5% YoY
0.95%
+18.8% YoY
85%
Loan-to-Deposit Ratio ? 92.66%
+3.6% YoY +3.0% QoQ
+16.03% 76.64%
+0.8% YoY
75.16%
-1.5% YoY
76.70%
+0.9% YoY
19%
Non-Interest-Bearing Deposit Share ? 1.72%
+26.2% YoY -9.9% QoQ
-20.30% 22.02%
-1.0% YoY
24.55%
-1.4% YoY
22.01%
-1.2% YoY
Bottom 1.4% in tier
Nonperforming Asset Ratio ? 0.02%
-87.0% YoY -82.1% QoQ
-0.62% 0.64%
+19.7% YoY
1.07%
+4.2% YoY
0.67%
+19.3% YoY
83%
Tier 1 Capital Ratio ? 39.39%
-6.0% YoY -4.3% QoQ
+23.56% 15.83%
+1.5% YoY
16.56%
+0.4% YoY
17.06%
+0.8% YoY
Top 1.7% in tier
Non-Interest Income / Assets ? 0.04%
-5.3% YoY -95.1% QoQ
-0.24% 0.28%
+9.3% YoY
0.11%
-17.3% YoY
0.32%
+4.1% YoY
Bottom 13.4% in tier

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 (0)

No matched strength signatures this quarter

Concerns (3)

Liquidity Overhang

risk
#27 of 739 • Bottom 3.5% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 39.39%
(Tier: 15.83%, National: 17.06%)
better than tier avg
Loan-to-Deposit Ratio: 92.66%
(Tier: 76.64%, National: 76.70%)
worse than tier avg
739 of 739 Community banks match · 939 nationally
→ Stable +13 banks QoQ | QoQ rank improving

Flatlined Growth

risk
#43 of 512 • Bottom 8.2% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.32%
(Tier: 1.27%, National: 1.23%)
worse than tier avg
512 of 512 Community banks match · 687 nationally
→ Stable +32 banks QoQ | QoQ rank improving

Liquidity Strain

risk
#137 of 643 • Bottom 21.2% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 92.66%
(Tier: 76.64%, National: 76.70%)
worse than tier avg
643 of 643 Community banks match · 1013 nationally
→ Stable -50 banks QoQ

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 2664 peers in $100M-$1B

Top Strengths (5 metrics)

46
Tier 1 Capital Ratio
capital
Value: 39.39%
Peer Median: 15.83%
#46 of 2664 Top 1.7% in $100M-$1B
400
Delinquency Rate
credit_quality
Value: 0.02%
Peer Median: 0.89%
#400 of 2654 Top 15.0% in $100M-$1B
442
Nonperforming Asset Ratio
credit_quality
Value: 0.02%
Peer Median: 0.64%
#442 of 2664 Top 16.6% in $100M-$1B
573
Total Loans
size
Value: $388.32M
Peer Median: $255.72M
#573 of 2664 Top 21.5% in $100M-$1B
667
Total Assets
size
Value: $535.32M
Peer Median: $386.08M
#667 of 2664 Top 25.0% in $100M-$1B

Top Weaknesses (6 metrics)

2628
Non-Interest-Bearing Deposit Share
funding
Value: 1.72%
Peer Median: 22.02%
#2628 of 2664 Bottom 1.4% in $100M-$1B
2478
Net Interest Margin
profitability
Value: 2.81%
Peer Median: 3.93%
#2478 of 2664 Bottom 7.0% in $100M-$1B
2438
Return on Assets
profitability
Value: 0.32%
Peer Median: 1.27%
#2438 of 2664 Bottom 8.5% in $100M-$1B
2404
Efficiency Ratio
profitability
Value: 85.52%
Peer Median: 65.29%
#2404 of 2664 Bottom 9.8% in $100M-$1B
2307
Non-Interest Income / Assets
revenue_mix
Value: 0.04%
Peer Median: 0.28%
#2307 of 2664 Bottom 13.4% in $100M-$1B
2156
Loan-to-Deposit Ratio
liquidity
Value: 92.66%
Peer Median: 76.64%
#2156 of 2664 Bottom 19.1% in $100M-$1B
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