First Federal Bank of Louisiana
Lake Charles, LA · Cert 30441 · Peer group: banks $1B-$10B in assets (n=322-328)
SL · OCC · 16 branches
Q2 2026
$1.1BAssets
$640.7MLoans
$991.6MDeposits
$125.6MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 92% of banks $1B-$10B in assets (rank 25 of 328).
- Widest gap: return on equity trails 97% of banks $1B-$10B in assets (rank 317 of 328).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.32%
Rank 317 of 328
Net Interest Margin
2.62%
Rank 298 of 328
Efficiency Ratio
82.10%
Rank 315 of 328
Equity / Assets
10.94%
Rank 133 of 328
Non-interest income vs. expense
Unfavorable gap of $23.8M · efficiency ratio beats 4% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.32% | 0.91% | 1.22% | 1.52% | Beats 3% | 317 / 328 | | |
| Return on Equity | 2.96% | 8.43% | 11.45% | 14.43% | Beats 3% | 317 / 328 | | |
| Net Interest Margin | 2.62% | 3.03% | 3.45% | 3.83% | Beats 9% | 298 / 328 | | |
| Efficiency Ratio | 82.10% | 51.61% | 59.56% | 67.53% | Beats 4% | 315 / 328 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.17% | 0.24% | 0.51% | 1.03% | Beats 80% | 65 / 322 | | |
| Net Charge-Offs / Loans | 0.22% | 0.01% | 0.03% | 0.10% | Beats 14% | 278 / 322 | | |
| Capital |
| Tier 1 Capital Ratio | 21.41% | 11.75% | 13.15% | 15.47% | Beats 92% | 25 / 328 | | |
| Total Risk-Based Capital Ratio | 22.47% | 12.63% | 14.15% | 16.46% | Beats 92% | 25 / 328 | | |
| Equity / Assets | 10.94% | 9.15% | 10.33% | 12.01% | Beats 59% | 133 / 328 | | |
| Liquidity & Funding |
| Loans / Deposits | 64.62% | 76.63% | 87.92% | 95.36% | 10th pctl | 291 / 323 | | |
| Loans / Assets | 55.80% | 65.18% | 74.15% | 79.98% | 13th pctl | 286 / 328 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |