Community Bank of Louisiana vs First National Bank USA
Side-by-side bank health comparison using FDIC financial data
Community Bank of Louisiana (A) and First National Bank USA (A) are close on the BankHealth rubric. Asset bases: $850M versus $203M.
With grades this close, the choice between banks turns more on product fit, branch convenience, rates, and digital experience than on rubric-driven safety differences.
Verdict
Community Bank of Louisiana has a stronger Bank Health Score of 96/100 (A) compared to First National Bank USA at 96/100 (A), a difference of 0 points. Community Bank of Louisiana holds a Tier 1 capital ratio of 19.7% and an NPL ratio of 0.05%.
| Metric | Community Bank of Louisiana | First National Bank USA |
|---|---|---|
| Health Score Composite score (0-100) based on capital, loan quality, liquidity, and profitability | 96/100 (A) | 96/100 (A) |
| Tier 1 Capital Ratio Core equity capital as % of risk-weighted assets (8%+ is well-capitalized) | 19.7%* | 14.0% |
| NPL Ratio Nonperforming loans as % of total loans (lower is better) | 0.0%* | 0.1% |
| Liquidity Ratio Cash and liquid assets vs obligations | 65.4%* | 48.5% |
| Return on Assets Profitability metric (above 1% is strong) | 1.0% | 4.0%* |
| Total Assets | $850M | $203M |
| Total Deposits | $736M | $174M |
| Location | Mansfield, Louisiana | Boutte, Louisiana |
Community Bank of Louisiana has a stronger Bank Health Score of 96/100 (A) compared to First National Bank USA at 96/100 (A), a difference of 0 points. Community Bank of Louisiana holds a Tier 1 capital ratio of 19.7% and an NPL ratio of 0.05%.