Safest Banks in Louisiana 2026
Louisiana has 93 FDIC-insured banks with an average Bank Health Score of 63/100 (C). The safest bank is Franklin State Bank&Trust Co with a score of 99/100.
Data from FDIC Q2 2024
93 Louisiana banks are ranked below by the BankHealth composite score. The composite weights Tier 1 capital ratio (35%), inverted non-performing loan ratio (30%), liquidity ratio (25%), and return on assets (10%) into a 0-100 grade.
Top-of-list banks combine strong capital with clean loan books and reasonable profitability. Bottom-of-list banks face pressure on one or more scoring factors — most often elevated NPL ratios or thin profitability margins. Each bank links to its full profile with multi-quarter trend charts, the four composite factor breakdowns, and the underlying FDIC Call Report data.
Louisiana's 93 FDIC-insured banks hold a combined $70.5B in assets. Their average Bank Health Score of 63/100 sits 7.0 points below the national average of 70/100. Across the state, 44% of banks earn an A or B grade for financial health, while 29% fall to a D or F.
The largest bank headquartered in Louisiana is Origin Bank with $9.9B in assets and a Bank Health Score of 68/100. The strongest by score is Franklin State Bank&Trust Co in Winnsboro (99/100, Tier 1 capital 19.74%). The weakest is Louisiana National Bank at 24/100, dragged down by an NPL ratio of 2.46%.
All scores below come from the latest FDIC BankFind Call Report (Q2 2024). The Bank Health Score weights Tier 1 capital ratio (35%), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%) — the four metrics regulators watch most closely when judging whether a bank is well-capitalized. Every bank with FDIC insurance covers up to $250,000 per depositor per ownership category, but the score helps you tell apart banks that are comfortably well-capitalized from those operating closer to the line.
Top 3 Safest Banks in Louisiana
Franklin State Bank&Trust Co
Winnsboro, LA
Louisiana's top-rated bank, with a Tier 1 capital ratio of 19.74% — well above the federal "well-capitalized" threshold of 8%. Holds $205M in assets.
City Bank&Trust Co
Natchitoches, LA
Second-strongest in the state on capital and loan quality. NPL ratio sits at 0.01% with $335M in total assets.
First Nb of Louisiana
Crowley, LA
Third in the rankings on the Bank Health Score. Liquidity ratio of 29.00% and ROA of 1.72%.
Top 20 of 93 Banks in Louisiana
| # | Bank | City | Grade | Score | Tier 1 Capital | NPL Ratio |
|---|---|---|---|---|---|---|
| 1 | Franklin State Bank&Trust Co | Winnsboro | A | 99 | 19.74% | 0.20% |
| 2 | City Bank&Trust Co | Natchitoches | A | 98 | 17.41% | 0.01% |
| 3 | First Nb of Louisiana | Crowley | A | 98 | 17.30% | 0.00% |
| 4 | Community Bank of Louisiana | Mansfield | A | 96 | 19.70% | 0.05% |
| 5 | Farmers-Merchants B&T Co | Breaux Bridge | A | 96 | 18.43% | 0.56% |
| 6 | Rayne State Bank&Trust Co | Rayne | A | 95 | 19.27% | 0.02% |
| 7 | Plaquemine Bank&Trust Co | Plaquemine | A | 95 | 23.48% | 0.00% |
| 8 | Red River Bank | Alexandria | A | 95 | 16.64% | 0.16% |
| 9 | Jd Bank | Jennings | A | 92 | 15.80% | 0.94% |
| 10 | Bank of Zachary | Zachary | A | 92 | 21.26% | 0.26% |
| 11 | Currency Bank | Oak Grove | A | 92 | 21.99% | 0.15% |
| 12 | First American Bank&Trust | Vacherie | A | 91 | 22.74% | 0.90% |
| 13 | Bank of Winnfield&Trust Co | Winnfield | A | 91 | 32.86% | 0.74% |
| 14 | Jonesboro State Bank | Jonesboro | A | 91 | 20.41% | 1.10% |
| 15 | Vermilion Bank&Trust Co | Kaplan | A | 90 | 20.92% | 1.60% |
| 16 | Liberty Bank&Trust Co | New Orleans | A | 90 | 15.65% | 1.22% |
| 17 | First Nb in Deridder | Deridder | A | 89 | 15.97% | 1.22% |
| 18 | Cross Keys Bank | Saint Joseph | A | 87 | 15.45% | 1.37% |
| 19 | Patterson State Bank | Patterson | A | 86 | 16.64% | 1.31% |
| 20 | Progressive Bank | Monroe | A | 86 | 12.82% | 0.19% |
Bank Health Scores for Louisiana are calculated from FDIC Call Report data including Tier 1 capital ratios, nonperforming loan ratios, liquidity ratios, and return on assets.
Frequently Asked Questions
Based on our Bank Health Score analysis of FDIC data, Franklin State Bank&Trust Co in Winnsboro is currently the safest bank in Louisiana with a score of 99/100 (Grade A). It posts a Tier 1 capital ratio of 19.74% and a nonperforming loan ratio of 0.20%.
Louisiana has 93 FDIC-insured banks with a combined $70.5B in total assets. The average Bank Health Score across the state is 63/100 (Grade C).
Louisiana's average Bank Health Score of 63/100 is 7.0 points below the national average of 70/100. 44% of banks in Louisiana earn an A or B grade, compared with the national average grade of B.
Of 93 FDIC-insured banks headquartered in Louisiana, 27 earn an A, 14 a B, 25 a C, 18 a D, and 9 an F. The most common grade is C.
The Bank Health Score (0-100) is based on four FDIC-reported metrics: Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%). Higher scores indicate stronger financial health. Every score uses the latest FDIC Call Report data.
Bank Health Scores are computed from quarterly FDIC Call Report data. Tier 1 capital ratio (35%), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).