Fifth District Savings Bank
New Orleans, LA · Cert 27697 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Fifth District Bcorp Inc.
State savings bank · OCC · 7 branches
Q2 2026
$531.8MAssets
$395.0MLoans
$414.8MDeposits
$111.2MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
- Widest gap: return on equity trails 93% of banks under $1B in assets operating in a single state (rank 696 of 746).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.33%
Rank 661 of 746
Net Interest Margin
2.68%
Rank 682 of 746
Efficiency Ratio
85.36%
Rank 668 of 746
Equity / Assets
20.91%
Rank 30 of 746
Non-interest income vs. expense
Unfavorable gap of $12.3M · efficiency ratio beats 11% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.33% | 0.72% | 1.06% | 1.45% | Beats 11% | 661 / 746 | |
| Return on Equity | 1.60% | 6.74% | 10.51% | 13.63% | Beats 7% | 696 / 746 | |
| Net Interest Margin | 2.68% | 3.17% | 3.68% | 4.16% | Beats 9% | 682 / 746 | |
| Efficiency Ratio | 85.36% | 55.74% | 64.58% | 75.47% | Beats 11% | 668 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.09% | 0.09% | 0.42% | 1.07% | Beats 75% | 186 / 743 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 38.90% | 11.55% | 13.75% | 17.60% | Beats 97% | 25 / 746 | |
| Total Risk-Based Capital Ratio | 39.48% | 11.71% | 14.33% | 18.43% | Beats 97% | 25 / 746 | |
| Equity / Assets | 20.91% | 8.90% | 10.51% | 13.06% | Beats 96% | 30 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 95.23% | 61.31% | 78.27% | 90.78% | 84th pctl | 116 / 746 | |
| Loans / Assets | 74.29% | 53.60% | 66.97% | 76.08% | 69th pctl | 231 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |