First Nb of Jeanerette
Jeanerette, Louisiana · FDIC Cert #4290
First Nb of Jeanerette is an FDIC-insured bank (Certificate #4290) with $460M in total assets and $399M in total deposits as of the Q2 2024 Call Report. Headquartered in Jeanerette, Louisiana, the bank maintains a Tier 1 capital ratio of 13.47% (Well-Capitalized) and a nonperforming loan ratio of 0.65%. BankHealthData assigns a composite Health Grade of B (76/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
First Nb of Jeanerette (FDIC cert 4290) is a community bank — $460M in total assets, $399M in deposits, serving the Jeanerette, 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 13.47% 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 0.65% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is thin: 14.3% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is strong: return on assets of 2.38% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. 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 Nb of Jeanerette carries a composite BankHealth grade of B (76/100) 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 Nb of Jeanerette
- Total Assets
- $460M
- Total Deposits
- $399M
- Tier 1 Capital Ratio
- 13.47%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.65%
- Liquidity Ratio
- 14.27%
- Return on Assets
- 2.38%
- Headquarters
- Jeanerette, Louisiana
- FDIC Certificate
- #4290
- Health Grade
- B (76/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, First Nb of Jeanerette holds a Tier 1 capital ratio of 13.47%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning First Nb of Jeanerette has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
First Nb of Jeanerette shows strong financial health indicators. With $460M in assets and a Health Score of 76/100, 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 Nb of Jeanerette Compares
First Nb of Jeanerette’s Health Score of 76 is 13 points above the Louisiana state average of 63 across 93 FDIC-insured banks. Its 13.47% Tier 1 capital ratio is 0.5 points below the US banking industry average near 14%. The 0.65% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 2.38% is in line with or above the national ROA benchmark of ~1.1%. Among 1497 similarly-sized banks, the average Health Score is 70, meaning this bank ranks above its size cohort. Site-wide, First Nb of Jeanerette is 6 points above the portfolio average of 70.
Frequently Asked Questions
First Nb of Jeanerette has a Bank Health Score of B (76/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 13.47%, 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 Nb of Jeanerette's Tier 1 capital ratio of 13.47% and nonperforming loan ratio of 0.65% 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 Nb of Jeanerette is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #4290). 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 Nb of Jeanerette holds $460M in total assets and $399M in total deposits. It is headquartered in Jeanerette, Louisiana (FDIC Certificate #4290).
First Nb of Jeanerette has a Tier 1 capital ratio of 13.47%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.65%, and the return on assets is 2.38%.
Yes. First Nb of Jeanerette is FDIC-insured (Certificate #4290). 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 Nb of Jeanerette'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.