First National Bank of Louisiana
Crowley, LA · Cert 4288 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · First Natl Bancshares La Inc.
National charter · OCC · 5 branches
Q2 2026
$631.1MAssets
$462.1MLoans
$556.5MDeposits
$67.7MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 105 of 743).
- Widest gap: tier 1 capital ratio trails 48% of banks under $1B in assets operating in a single state (rank 356 of 746).
- Overall: at or above the peer median on 9 of 9 directional measures.
Return on Assets
1.56%
Rank 153 of 746
Net Interest Margin
4.04%
Rank 233 of 746
Efficiency Ratio
55.75%
Rank 189 of 746
Equity / Assets
10.73%
Rank 346 of 746
Non-interest income vs. expense
Unfavorable gap of $13.4M · efficiency ratio beats 75% 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 | 1.56% | 0.72% | 1.06% | 1.45% | Beats 79% | 153 / 746 | |
| Return on Equity | 14.58% | 6.74% | 10.51% | 13.63% | Beats 81% | 145 / 746 | |
| Net Interest Margin | 4.04% | 3.17% | 3.68% | 4.16% | Beats 69% | 233 / 746 | |
| Efficiency Ratio | 55.75% | 55.74% | 64.58% | 75.47% | Beats 75% | 189 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.07% | Beats 100% | 105 / 743 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 69% | 233 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 14.03% | 11.55% | 13.75% | 17.60% | Beats 52% | 356 / 746 | |
| Total Risk-Based Capital Ratio | 15.16% | 11.71% | 14.33% | 18.43% | Beats 57% | 323 / 746 | |
| Equity / Assets | 10.73% | 8.90% | 10.51% | 13.06% | Beats 54% | 346 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 83.03% | 61.31% | 78.27% | 90.78% | 60th pctl | 295 / 746 | |
| Loans / Assets | 73.22% | 53.60% | 66.97% | 76.08% | 67th pctl | 246 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |