Bank of Louisiana
New Orleans, Louisiana · FDIC Cert #17878
Bank of Louisiana is an FDIC-insured bank (Certificate #17878) with $89M in total assets and $78M in total deposits as of the Q2 2024 Call Report. Headquartered in New Orleans, Louisiana, the bank maintains a Tier 1 capital ratio of 19.46% (Well-Capitalized) and a nonperforming loan ratio of 4.59%. BankHealthData assigns a composite Health Grade of C (55/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Bank of Louisiana (FDIC cert 17878) is a community bank — $89M in total assets, $78M in deposits, serving the New Orleans, Louisiana area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 19.46% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is elevated: non-performing loan ratio of 4.59% runs above 2%, suggesting the loan book carries more credit risk than peer banks. Elevated NPL can reflect specific portfolio concentrations or broader credit-cycle pressure. Liquidity is in the normal range: 20.3% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is minimal: ROA of 0.15% indicates the bank is barely profitable on an assets basis. Multiple quarters of minimal profitability eventually challenge capital growth and regulatory standing. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. Bank of Louisiana carries a composite BankHealth grade of C (55/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Bank of Louisiana
- Total Assets
- $89M
- Total Deposits
- $78M
- Tier 1 Capital Ratio
- 19.46%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 4.59%
- Liquidity Ratio
- 20.27%
- Return on Assets
- 0.15%
- Headquarters
- New Orleans, Louisiana
- FDIC Certificate
- #17878
- Health Grade
- C (55/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Bank of Louisiana holds a Tier 1 capital ratio of 19.46%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Bank of Louisiana has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Bank of Louisiana shows average financial health. While not alarming, its Health Score of 55/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Bank of Louisiana Compares
Bank of Louisiana’s Health Score of 55 is 8 points below the Louisiana state average of 63 across 93 FDIC-insured banks. Its 19.46% Tier 1 capital ratio is 5.5 points above the US banking industry average near 14%. The 4.59% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 0.15% is below the national ROA benchmark of ~1.1%. Among 999 similarly-sized banks, the average Health Score is 68, meaning this bank ranks below its size cohort. Site-wide, Bank of Louisiana is 15 points below the portfolio average of 70.
Frequently Asked Questions
Bank of Louisiana has a Bank Health Score of C (55/100), placing it in average financial health. It holds a Tier 1 capital ratio of 19.46%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Bank of Louisiana's Tier 1 capital ratio of 19.46% and nonperforming loan ratio of 4.59% indicate an average risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Bank of Louisiana is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #17878). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Bank of Louisiana holds $89M in total assets and $78M in total deposits. It is headquartered in New Orleans, Louisiana (FDIC Certificate #17878).
Bank of Louisiana has a Tier 1 capital ratio of 19.46%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 4.59%, and the return on assets is 0.15%.
Yes. Bank of Louisiana is FDIC-insured (Certificate #17878). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An C grade on our Bank Health Score means 55-69/100 — average across capital, loan quality, and profitability. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Bank of Louisiana's metrics are around average for the industry. There's no urgent action needed for FDIC-insured deposits, but it's worth monitoring quarterly updates. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.