Crescent Bank
New Orleans, Louisiana · FDIC Cert #33492
Crescent Bank is an FDIC-insured bank (Certificate #33492) with $1.3B in total assets and $1.1B in total deposits as of the Q2 2024 Call Report. Headquartered in New Orleans, Louisiana, the bank maintains a Tier 1 capital ratio of 12.10% (Well-Capitalized) and a nonperforming loan ratio of 2.73%. BankHealthData assigns a composite Health Grade of C (54/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Crescent Bank (FDIC cert 33492) is a mid-sized bank with $1.3B in total assets and $1.1B in deposits, based in New Orleans, Louisiana. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Capital position is strong: Tier 1 capital ratio of 12.10% 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 2.73% 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 thin: 12.9% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is thin: ROA of 0.75% runs below the 1% benchmark. Thin margins can reflect cyclical net-interest-margin pressure, elevated provisions for loan losses, or operating-cost inefficiency. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. Crescent Bank carries a composite BankHealth grade of C (54/100) 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: Crescent Bank
- Total Assets
- $1.3B
- Total Deposits
- $1.1B
- Tier 1 Capital Ratio
- 12.10%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 2.73%
- Liquidity Ratio
- 12.90%
- Return on Assets
- 0.75%
- Headquarters
- New Orleans, Louisiana
- FDIC Certificate
- #33492
- Health Grade
- C (54/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Crescent Bank holds a Tier 1 capital ratio of 12.10%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Crescent Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Crescent Bank shows average financial health. While not alarming, its Health Score of 54/100 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 Crescent Bank Compares
Crescent Bank’s Health Score of 54 is 9 points below the Louisiana state average of 63 across 93 FDIC-insured banks. Its 12.10% Tier 1 capital ratio is 1.9 points below the US banking industry average near 14%. The 2.73% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 0.75% is below the national ROA benchmark of ~1.1%. Among 867 similarly-sized banks, the average Health Score is 71, meaning this bank ranks below its size cohort. Site-wide, Crescent Bank is 16 points below the portfolio average of 70.
Frequently Asked Questions
Crescent Bank has a Bank Health Score of C (54/100), placing it in average financial health. It holds a Tier 1 capital ratio of 12.10%, 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. Crescent Bank's Tier 1 capital ratio of 12.10% and nonperforming loan ratio of 2.73% 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 Crescent Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #33492). 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.
Crescent Bank holds $1.3B in total assets and $1.1B in total deposits. It is headquartered in New Orleans, Louisiana (FDIC Certificate #33492).
Crescent Bank has a Tier 1 capital ratio of 12.10%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 2.73%, and the return on assets is 0.75%.
Yes. Crescent Bank is FDIC-insured (Certificate #33492). 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%).
Crescent Bank'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.