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First National Bank of Louisiana

$100M-$1B Specialty: Commercial LA FDIC cert 4288

Crowley, LA

5 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 +6.8% year over year ($556.5M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 1.60%.
  • Efficiency ratio 55.75% vs a 64.48% peer average.
  • Loan-to-deposit ratio 82.02% 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 of Louisiana has 5 strengths but faces 1 concern

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

  • + Deposit Franchise: Top 52.2% in tier
  • + Delinquency Rate 0.92% below tier average
  • + Nonperforming Asset Ratio 0.67% below tier average
  • + ROA 0.28% above tier average
  • + Efficiency Ratio 8.73% below tier average

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 32.6% in tier
Get updates when First National Bank of Louisiana releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Total Assets ? $631.1M
+7.5% YoY +0.3% QoQ
+$244.5M $386.6M
+1.2% YoY
$799.3M
+7.8% YoY
$6.3B
+7.7% YoY
83%
Total Loans ? $456.5M
+17.7% YoY +6.5% QoQ
+$198.1M $258.3M
+1.7% YoY
$538.5M
+5.3% YoY
$3.2B
+9.4% YoY
85%
Total Deposits ? $556.5M
+6.8% YoY +0.2% QoQ
+$229.8M $326.7M
+0.7% YoY
$677.9M
+7.3% YoY
$4.9B
+7.3% YoY
84%
Return on Assets ? 1.60%
-26.0% YoY +4.6% QoQ
+0.28% 1.32%
+10.8% YoY
1.37%
+23.6% YoY
1.30%
+12.1% YoY
71%
Net Interest Margin ? 4.46%
+1.2% YoY +3.6% QoQ
+0.47% 3.99%
+5.0% YoY
4.15%
+0.0% YoY
3.95%
+4.9% YoY
78%
Efficiency Ratio ? 55.75%
+5.5% YoY -0.9% QoQ
-8.73% 64.48%
-3.2% YoY
69.40%
-0.9% YoY
70.05%
+2.5% YoY
70%
Delinquency Rate ? 0.00%
-100.0% YoY
-0.92% 0.92%
+15.7% YoY
1.53%
+7.9% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 82.02%
+10.2% YoY +6.3% QoQ
+4.07% 77.95%
+1.0% YoY
77.15%
-1.0% YoY
79.03%
+2.3% YoY
45%
Non-Interest-Bearing Deposit Share ? 40.34%
-2.8% YoY +2.6% QoQ
+18.31% 22.03%
-0.6% YoY
24.65%
+0.5% YoY
21.98%
-0.6% YoY
Top 4.5% in tier
Nonperforming Asset Ratio ? 0.00%
-100.0% YoY
-0.67% 0.67%
+16.4% YoY
1.11%
+4.1% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 14.03%
-5.9% YoY -4.3% QoQ
-1.88% 15.91%
+1.4% YoY
17.35%
+5.4% YoY
17.09%
+0.8% YoY
58%
Non-Interest Income / Assets ? 0.20%
-6.8% YoY +104.6% QoQ
-0.37% 0.57%
+7.6% YoY
0.33%
+19.6% YoY
0.66%
+5.2% YoY
50%

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 40.3%
-1.2pp YoY
+1.0pp QoQ
 +18.2pp 22.1% 24.6% 22.2% 96%
Brokered Deposits n/a n/a 7.9% 6.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
C&I 28.9%
+0.5pp YoY
+0.9pp QoQ
 +17.3pp 11.6% 12.6% 12.5% 96%
CRE 51.5%
+1.4pp YoY
-0.8pp QoQ
 +11.9pp 39.5% 44.9% 41.4% 72%
1-4 Family 17.1%
-1.7pp YoY
+0.2pp QoQ
 -15.5pp 32.6% 34.2% 31.3% 24%
Consumer 1.0%
0.0pp YoY
-0.1pp QoQ
 -3.1pp 4.1% 4.2% 5.0% 30%

Capital

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
CET1 Ratio 14.0%
-0.9pp YoY
-0.6pp QoQ
 -4.8pp 18.8% 22.5% 19.7% 39%
Leverage Ratio 11.0%
-0.1pp YoY
-0.8pp QoQ
 -1.1pp 12.2% 13.4% 12.6% 51%
Total Capital Ratio 15.2%
-1.0pp YoY
-0.7pp QoQ
 -4.8pp 19.9% 23.6% 20.8% 39%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Full-Time Employees 75
+3 (+4.2%) YoY
+3 (+4.2%) QoQ
 +16 58 114 482 74%
Assets per Employee ($) $8.4M
+3.2% YoY
-3.7% QoQ
 +$896K $7.5M $6.8M $8.8M 73%
Branch Count 5
0 YoY
0 QoQ
 0 4 9 18 55%

Asset Quality

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

Profitability

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
ROE 14.8%
-6.6pp YoY
+0.7pp QoQ
 +2.6pp 12.2% 12.5% 11.6% 66%
Cost of Funds (YTD) 1.3%
0.0pp YoY
0.0pp QoQ
 -0.4pp 1.7% 1.7% 1.7% 24%
Net Income ($, YTD) $4.9M
-19.4% YoY
— QoQ
 +$2.4M $2.6M $5.1M $40.4M 87%

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)

Deposit Franchise

growth
#146 of 278 • Top 52.2% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 40.34%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 4.46%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ

Concerns (1)

Margin Compression

decline
#101 of 307 • Bottom 32.6% 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: 1.60%
(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 (7 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B
119
Non-Interest-Bearing Deposit Share
funding
Value: 40.34%
Peer Median: 22.03%
#119 of 2643 Top 4.5% in $100M-$1B
402
Total Loans
size
Value: $456.48M
Peer Median: $258.35M
#402 of 2643 Top 15.2% in $100M-$1B
413
Total Deposits
size
Value: $556.51M
Peer Median: $326.73M
#413 of 2643 Top 15.6% in $100M-$1B
455
Total Assets
size
Value: $631.07M
Peer Median: $386.57M
#455 of 2643 Top 17.2% in $100M-$1B
585
Net Interest Margin
profitability
Value: 4.46%
Peer Median: 3.99%
#585 of 2643 Top 22.1% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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