First American Bank&Trust
Vacherie, Louisiana · FDIC Cert #8149
First American Bank&Trust is an FDIC-insured bank (Certificate #8149) with $1.3B in total assets and $1.2B in total deposits as of the Q2 2024 Call Report. Headquartered in Vacherie, Louisiana, the bank maintains a Tier 1 capital ratio of 22.74% (Well-Capitalized) and a nonperforming loan ratio of 0.90%. BankHealthData assigns a composite Health Grade of A (91/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
First American Bank&Trust (FDIC cert 8149) is a mid-sized bank with $1.3B in total assets and $1.2B in deposits, based in Vacherie, Louisiana. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Capital position is strong: Tier 1 capital ratio of 22.74% 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 0.90% 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: 34.7% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is solid: ROA of 0.98% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. 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. First American Bank&Trust carries a composite BankHealth grade of A (91/100) 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: First American Bank&Trust
- Total Assets
- $1.3B
- Total Deposits
- $1.2B
- Tier 1 Capital Ratio
- 22.74%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.90%
- Liquidity Ratio
- 34.67%
- Return on Assets
- 0.98%
- Headquarters
- Vacherie, Louisiana
- FDIC Certificate
- #8149
- Health Grade
- A (91/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, First American Bank&Trust holds a Tier 1 capital ratio of 22.74%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning First American Bank&Trust has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
First American Bank&Trust shows strong financial health indicators. With $1.3B in assets and a Health Score of 91/100, 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 First American Bank&Trust Compares
First American Bank&Trust’s Health Score of 91 is 28 points above the Louisiana state average of 63 across 93 FDIC-insured banks. Its 22.74% Tier 1 capital ratio is 8.7 points above the US banking industry average near 14%. The 0.90% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 0.98% is below the national ROA benchmark of ~1.1%. Among 834 similarly-sized banks, the average Health Score is 71, meaning this bank ranks above its size cohort. Site-wide, First American Bank&Trust is 21 points above the portfolio average of 70.
Frequently Asked Questions
First American Bank&Trust has a Bank Health Score of A (91/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 22.74%, 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. First American Bank&Trust's Tier 1 capital ratio of 22.74% and nonperforming loan ratio of 0.90% 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 First American Bank&Trust is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #8149). 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.
First American Bank&Trust holds $1.3B in total assets and $1.2B in total deposits. It is headquartered in Vacherie, Louisiana (FDIC Certificate #8149).
First American Bank&Trust has a Tier 1 capital ratio of 22.74%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.90%, and the return on assets is 0.98%.
Yes. First American Bank&Trust is FDIC-insured (Certificate #8149). 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%).
First American Bank&Trust'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.