First National Bank USA
Boutte, LA · Cert 22046 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · First St Charles Bancshares
National charter · OCC · 2 branches
Q2 2026
$249.1MAssets
$113.5MLoans
$213.1MDeposits
$34.4MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 85% of banks under $1B in assets operating in a single state (rank 115 of 746).
- Widest gap: net charge-offs / loans trails 56% of banks under $1B in assets operating in a single state (rank 422 of 743).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.58%
Rank 149 of 746
Net Interest Margin
4.42%
Rank 115 of 746
Efficiency Ratio
54.32%
Rank 169 of 746
Equity / Assets
13.80%
Rank 154 of 746
Non-interest income vs. expense
Unfavorable gap of $5.6M · efficiency ratio beats 77% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.58% | 0.72% | 1.06% | 1.45% | Beats 80% | 149 / 746 | | |
| Return on Equity | 11.46% | 6.74% | 10.51% | 13.63% | Beats 59% | 305 / 746 | | |
| Net Interest Margin | 4.42% | 3.17% | 3.68% | 4.16% | Beats 85% | 115 / 746 | | |
| Efficiency Ratio | 54.32% | 55.74% | 64.58% | 75.47% | Beats 77% | 169 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.03% | 0.09% | 0.42% | 1.07% | Beats 80% | 150 / 743 | | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.01% | 0.05% | Beats 44% | 422 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 14.06% | 11.55% | 13.75% | 17.60% | Beats 53% | 354 / 746 | | |
| Total Risk-Based Capital Ratio | 14.06% | 11.71% | 14.33% | 18.43% | Beats 47% | 397 / 746 | | |
| Equity / Assets | 13.80% | 8.90% | 10.51% | 13.06% | Beats 79% | 154 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 53.28% | 61.31% | 78.27% | 90.78% | 15th pctl | 632 / 746 | | |
| Loans / Assets | 45.58% | 53.60% | 66.97% | 76.08% | 15th pctl | 637 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |