First Federal Bank of La
Lake Charles, Louisiana · FDIC Cert #30441
First Federal Bank of La is an FDIC-insured bank (Certificate #30441) with $1.1B in total assets and $967M in total deposits as of the Q2 2024 Call Report. Headquartered in Lake Charles, Louisiana, the bank maintains a Tier 1 capital ratio of 20.37% (Well-Capitalized) and a nonperforming loan ratio of 2.78%. BankHealthData assigns a composite Health Grade of B (77/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
First Federal Bank of La (FDIC cert 30441) is a mid-sized bank with $1.1B in total assets and $967M in deposits, based in Lake Charles, Louisiana. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Capital position is strong: Tier 1 capital ratio of 20.37% 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 2.78% 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 comfortable: 35.1% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is thin: ROA of 0.39% 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 declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. First Federal Bank of La carries a composite BankHealth grade of B (77/100) 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 Federal Bank of La
- Total Assets
- $1.1B
- Total Deposits
- $967M
- Tier 1 Capital Ratio
- 20.37%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 2.78%
- Liquidity Ratio
- 35.14%
- Return on Assets
- 0.39%
- Headquarters
- Lake Charles, Louisiana
- FDIC Certificate
- #30441
- Health Grade
- B (77/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, First Federal Bank of La holds a Tier 1 capital ratio of 20.37%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning First Federal Bank of La has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
First Federal Bank of La shows strong financial health indicators. With $1.1B in assets and a Health Score of 77/100, 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 Federal Bank of La Compares
First Federal Bank of La’s Health Score of 77 is 14 points above the Louisiana state average of 63 across 93 FDIC-insured banks. Its 20.37% Tier 1 capital ratio is 6.4 points above the US banking industry average near 14%. The 2.78% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 0.39% is below the national ROA benchmark of ~1.1%. Among 966 similarly-sized banks, the average Health Score is 71, meaning this bank ranks above its size cohort. Site-wide, First Federal Bank of La is 7 points above the portfolio average of 70.
Frequently Asked Questions
First Federal Bank of La has a Bank Health Score of B (77/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 20.37%, 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 Federal Bank of La's Tier 1 capital ratio of 20.37% and nonperforming loan ratio of 2.78% 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 Federal Bank of La is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #30441). 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 Federal Bank of La holds $1.1B in total assets and $967M in total deposits. It is headquartered in Lake Charles, Louisiana (FDIC Certificate #30441).
First Federal Bank of La has a Tier 1 capital ratio of 20.37%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 2.78%, and the return on assets is 0.39%.
Yes. First Federal Bank of La is FDIC-insured (Certificate #30441). 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 B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
First Federal Bank of La'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.