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First American Bank and Trust

$1B-$10B Specialty: Commercial LA FDIC cert 8149

Designations: ✓ Community bank

Vacherie, LA

25 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 885 banks in the $1B-$10B peer group nationwide — 1 of 18 in LA.
  • Deposits +2.0% year over year ($1.2B on the books).
  • Delinquency rate 1.30%.
  • Return on assets 1.11%.
  • Efficiency ratio 68.04% vs a 59.73% peer average.
  • Loan-to-deposit ratio 69.54% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 18 in LA
View $1B-$10B leaderboard (LA) →

First American Bank and Trust has 1 strength but faces 4 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

  • + Non-Interest-Bearing Deposit Share 17.33% above tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 1.2% in tier
  • - Liquidity Overhang: Bottom 34.3% in tier
  • - ROA 0.28% below tier average
  • - Efficiency Ratio 8.32% above tier average
Get updates when First American Bank and Trust releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Total Assets ? $1.4B
+3.0% YoY -0.4% QoQ
-$1.4B $2.8B
-0.6% YoY
$799.3M
+7.8% YoY
$6.3B
+7.7% YoY
28%
Total Loans ? $841.1M
+1.1% YoY +0.2% QoQ
-$1.1B $2.0B
-0.3% YoY
$538.5M
+5.3% YoY
$3.2B
+9.4% YoY
17%
Total Deposits ? $1.2B
+2.0% YoY -0.7% QoQ
-$1.1B $2.3B
-0.5% YoY
$677.9M
+7.3% YoY
$4.9B
+7.3% YoY
31%
Return on Assets ? 1.11%
+3.0% YoY +16.0% QoQ
-0.28% 1.39%
+17.0% YoY
1.37%
+23.6% YoY
1.30%
+12.1% YoY
39%
Net Interest Margin ? 3.88%
+8.3% YoY +1.9% QoQ
+0.00% 3.87%
+6.2% YoY
4.15%
+0.0% YoY
3.95%
+4.9% YoY
61%
Efficiency Ratio ? 68.04%
+3.2% YoY -6.2% QoQ
+8.32% 59.73%
-12.6% YoY
69.40%
-0.9% YoY
70.05%
+2.5% YoY
25%
Delinquency Rate ? 1.30%
+5.4% YoY +6.0% QoQ
+0.43% 0.87%
+11.7% YoY
1.53%
+7.9% YoY
0.98%
+16.3% YoY
20%
Loan-to-Deposit Ratio ? 69.54%
-0.9% YoY +1.0% QoQ
-15.50% 85.04%
-0.1% YoY
77.15%
-1.0% YoY
79.03%
+2.3% YoY
Top 14.8% in tier
Non-Interest-Bearing Deposit Share ? 38.61%
+1.8% YoY +0.4% QoQ
+17.33% 21.27%
-1.5% YoY
24.65%
+0.5% YoY
21.98%
-0.6% YoY
Top 5.4% in tier
Nonperforming Asset Ratio ? 0.79%
+3.5% YoY +6.7% QoQ
+0.12% 0.67%
+11.7% YoY
1.11%
+4.1% YoY
0.69%
+15.8% YoY
28%
Tier 1 Capital Ratio ? 24.75%
+3.8% YoY -0.3% QoQ
+9.90% 14.84%
-0.4% YoY
17.35%
+5.4% YoY
17.09%
+0.8% YoY
Top 4.2% in tier
Non-Interest Income / Assets ? 0.31%
+12.7% YoY +79.0% QoQ
-0.22% 0.53%
+2.5% YoY
0.33%
+19.6% YoY
0.66%
+5.2% YoY
54%

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 38.6%
+0.7pp YoY
+0.1pp QoQ
 +17.2pp 21.4% 24.6% 22.2% 94%
Brokered Deposits n/a n/a 9.5% 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 4.6%
0.0pp YoY
+0.2pp QoQ
 -9.4pp 14.0% 12.6% 12.5% 16%
CRE 38.4%
+1.1pp YoY
0.0pp QoQ
 -11.7pp 50.0% 44.9% 41.4% 21%
1-4 Family 57.0%
-1.0pp YoY
-0.4pp QoQ
 +30.6pp 26.4% 34.2% 31.3% 94%
Consumer 1.3%
-0.3pp YoY
-0.1pp QoQ
 -3.4pp 4.7% 4.2% 5.0% 51%

Capital

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
CET1 Ratio 24.8%
+0.9pp YoY
-0.1pp QoQ
 +9.2pp 15.6% 22.5% 19.7% 96%
Leverage Ratio 13.8%
+0.4pp YoY
+0.2pp QoQ
 +2.5pp 11.3% 13.4% 12.6% 89%
Total Capital Ratio 26.0%
+0.9pp YoY
-0.1pp QoQ
 +9.3pp 16.7% 23.6% 20.8% 95%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Full-Time Employees 234
+6 (+2.6%) YoY
-1 (-0.4%) QoQ
 -80 313 114 482 49%
Assets per Employee ($) $5.9M
+0.4% YoY
0.0% QoQ
 -$4.6M $10.5M $6.8M $8.8M 11%
Branch Count 25
0 YoY
0 QoQ
 +5 20 9 18 75%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.4% 0.4% n/a
Nonaccrual 1.3%
+0.1pp YoY
+0.1pp QoQ
 +0.5pp 0.8% 1.4% 1.0% 82%
Allowance Coverage 1.13x
-16.6% YoY
-15.3% QoQ
 -17.58x 18.71x 27.36x 20.23x 28%
Net Charge-off Rate (YTD) 0.3%
+0.2pp YoY
+0.3pp QoQ
 +0.1pp 0.3% 0.1% 0.2% 86%

Profitability

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
ROE 9.6%
-0.9pp YoY
+1.3pp QoQ
 -3.0pp 12.6% 12.5% 11.6% 30%
Cost of Funds (YTD) 0.9%
-0.2pp YoY
0.0pp QoQ
 -1.0pp 1.9% 1.7% 1.7% 5%
Net Income ($, YTD) $7.7M
+4.4% YoY
— QoQ
 -$11.6M $19.2M $5.1M $40.4M 28%

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 (2)

Credit Risk Growth

risk
#6 of 402 • Bottom 1.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally
→ Stable -58 banks QoQ

Liquidity Overhang

risk
#60 of 172 • Bottom 34.3% 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: 24.75%
(Tier: 14.84%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 69.54%
(Tier: 85.04%, National: 79.03%)
better than tier avg
172 of 172 Mid-Market banks match · 940 nationally
→ Stable +7 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 885 peers in $1B-$10B

Top Strengths (3 metrics)

38
Tier 1 Capital Ratio
capital
Value: 24.75%
Peer Median: 14.84%
#38 of 885 Top 4.2% in $1B-$10B
49
Non-Interest-Bearing Deposit Share
funding
Value: 38.61%
Peer Median: 21.27%
#49 of 885 Top 5.4% in $1B-$10B
132
Loan-to-Deposit Ratio
liquidity
Value: 69.54%
Peer Median: 85.04%
#132 of 885 Top 14.8% in $1B-$10B

Top Weaknesses (2 metrics)

734
Total Loans
size
Value: $841.06M
Peer Median: $1.96B
#734 of 885 Bottom 17.2% in $1B-$10B
704
Delinquency Rate
credit_quality
Value: 1.30%
Peer Median: 0.87%
#704 of 882 Bottom 20.3% in $1B-$10B
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