First American Bank and Trust
Vacherie, LA · Cert 8149 · Peer group: banks $1B-$10B in assets (n=322-328) · One American Corp.
State charter, non-member · FDIC · 25 branches
Q2 2026
$1.4BAssets
$853.4MLoans
$1.2BDeposits
$162.1MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 95% of banks $1B-$10B in assets (rank 17 of 328).
- Widest gap: net charge-offs / loans trails 84% of banks $1B-$10B in assets (rank 270 of 322).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.11%
Rank 199 of 328
Net Interest Margin
3.63%
Rank 116 of 328
Efficiency Ratio
68.04%
Rank 251 of 328
Equity / Assets
11.73%
Rank 93 of 328
Non-interest income vs. expense
Unfavorable gap of $31.9M · efficiency ratio beats 24% 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 | 1.11% | 0.91% | 1.22% | 1.52% | Beats 39% | 199 / 328 | | |
| Return on Equity | 9.47% | 8.43% | 11.45% | 14.43% | Beats 31% | 226 / 328 | | |
| Net Interest Margin | 3.63% | 3.03% | 3.45% | 3.83% | Beats 65% | 116 / 328 | | |
| Efficiency Ratio | 68.04% | 51.61% | 59.56% | 67.53% | Beats 24% | 251 / 328 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.28% | 0.24% | 0.51% | 1.03% | Beats 20% | 259 / 322 | | |
| Net Charge-Offs / Loans | 0.18% | 0.01% | 0.03% | 0.10% | Beats 16% | 270 / 322 | | |
| Capital |
| Tier 1 Capital Ratio | 24.75% | 11.75% | 13.15% | 15.47% | Beats 95% | 17 / 328 | | |
| Total Risk-Based Capital Ratio | 26.00% | 12.63% | 14.15% | 16.46% | Beats 95% | 17 / 328 | | |
| Equity / Assets | 11.73% | 9.15% | 10.33% | 12.01% | Beats 72% | 93 / 328 | | |
| Liquidity & Funding |
| Loans / Deposits | 70.56% | 76.63% | 87.92% | 95.36% | 16th pctl | 271 / 323 | | |
| Loans / Assets | 61.77% | 65.18% | 74.15% | 79.98% | 20th pctl | 261 / 328 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |