Catalyst Bank
Opelousas, Louisiana · FDIC Cert #29804
Catalyst Bank is an FDIC-insured bank (Certificate #29804) with $292M in total assets and $185M in total deposits as of the Q2 2024 Call Report. Headquartered in Opelousas, Louisiana, the bank maintains a Tier 1 capital ratio of 49.09% (Well-Capitalized) and a nonperforming loan ratio of 1.04%. BankHealthData assigns a composite Health Grade of A (84/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Catalyst Bank (FDIC cert 29804) is a community bank — $292M in total assets, $185M in deposits, serving the Opelousas, 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 49.09% 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 normal: non-performing loan ratio of 1.04% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is comfortable: 39.5% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is negative: ROA of -3.51% means the bank lost money during the reporting period. Sustained negative ROA erodes capital and triggers escalating regulatory attention. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. Catalyst Bank carries a composite BankHealth grade of A (84/100) 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: Catalyst Bank
- Total Assets
- $292M
- Total Deposits
- $185M
- Tier 1 Capital Ratio
- 49.09%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 1.04%
- Liquidity Ratio
- 39.54%
- Return on Assets
- -3.51%
- Headquarters
- Opelousas, Louisiana
- FDIC Certificate
- #29804
- Health Grade
- A (84/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Catalyst Bank holds a Tier 1 capital ratio of 49.09%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Catalyst Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Catalyst Bank shows strong financial health indicators. With $292M in assets and a Health Score of 84/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
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 Catalyst Bank Compares
Catalyst Bank’s Health Score of 84 is 21 points above the Louisiana state average of 63 across 93 FDIC-insured banks. Its 49.09% Tier 1 capital ratio is 35.1 points above the US banking industry average near 14%. The 1.04% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of -3.51% is below the national ROA benchmark of ~1.1%. Among 1597 similarly-sized banks, the average Health Score is 69, meaning this bank ranks above its size cohort. Site-wide, Catalyst Bank is 14 points above the portfolio average of 70.
Frequently Asked Questions
Catalyst Bank has a Bank Health Score of A (84/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 49.09%, 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. Catalyst Bank's Tier 1 capital ratio of 49.09% and nonperforming loan ratio of 1.04% indicate a low 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 Catalyst Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #29804). 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.
Catalyst Bank holds $292M in total assets and $185M in total deposits. It is headquartered in Opelousas, Louisiana (FDIC Certificate #29804).
Catalyst Bank has a Tier 1 capital ratio of 49.09%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 1.04%, and the return on assets is -3.51%.
Yes. Catalyst Bank is FDIC-insured (Certificate #29804). 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 A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Catalyst Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.