Updated June 2026 · FDIC Call Report Q2 2024

A-Rated Banks in Louisiana

47 banks · Average score: 88/100 · Combined assets $23.7B

47 banks in this state currently hold A grades, averaging a composite score of 88/100. Within the tier, individual bank profiles still vary materially on which factor is driving the grade — review the table below for the per-bank breakdown. The tier averages a Tier 1 capital ratio of 17.95% and an NPL ratio of 0.70%, sourced from the most recent FDIC quarterly Call Report.

47 Louisiana banks earn an A grade on the BankHealth composite, with an average score of 88/100. A-grade banks combine strong Tier 1 capital, clean loan books, comfortable liquidity, and solid ROA.

State-and-grade combinations help depositors and policy researchers identify clusters of banking health (or stress) within a specific geography. The list below ranks Louisiana A-grade banks by health score with links to each bank's full profile.

A B C DF

What "A" Means in Practice

A-graded banks in Louisiana are the strongest tier — institutions with composite Bank Health Scores of 80 or higher across capital, loan quality, liquidity, and profitability. Currently 47 banks chartered in Louisiana qualify. A grades typically reflect well-above-regulatory capital cushions (often 12%+ Tier 1), sub-1% nonperforming loans, and ample liquidity buffers. Many A-graded banks are conservatively run community institutions or specialty banks with focused, lower-risk loan portfolios.

For depositors: A-graded institutions face less probability of regulatory action than peers, all else equal. That said, FDIC insurance — not the bank's grade — protects deposits up to $250,000 per depositor, per insured bank, per ownership category. The grade describes regulatory cushion; insurance describes guaranteed protection.

Tier-Wide Snapshot in Louisiana

Banks in this grade tier	47
Combined assets	$23.7B
Average composite score	88/100
Average Tier 1 capital ratio	17.95%
Average NPL ratio	0.70%

All A-Graded Banks in Louisiana

#	Bank	City	Score	Assets	Tier 1 Capital	NPL Ratio	Liquidity
1	Franklin State Bank&Trust Co	Winnsboro	99	$205M	19.74%	0.20%	37.71%
2	City Bank&Trust Co	Natchitoches	98	$335M	17.41%	0.01%	39.27%
3	First Nb of Louisiana	Crowley	98	$557M	17.30%	0.00%	29.00%
4	Community Bank of Louisiana	Mansfield	96	$850M	19.70%	0.05%	65.35%
5	First National Bank USA	Boutte	96	$203M	14.02%	0.15%	48.51%
6	Farmers-Merchants B&T Co	Breaux Bridge	96	$447M	18.43%	0.56%	38.62%
7	Rayne State Bank&Trust Co	Rayne	95	$496M	19.27%	0.02%	26.54%
8	Plaquemine Bank&Trust Co	Plaquemine	95	$197M	23.48%	0.00%	53.53%
9	Red River Bank	Alexandria	95	$3.0B	16.64%	0.16%	28.86%
10	Bank of Abbeville&Trust Co	Abbeville	94	$202M	14.95%	0.48%	38.64%
11	Jd Bank	Jennings	92	$1.2B	15.80%	0.94%	33.20%
12	Hodge Bank&Trust Co	Hodge	92	$99M	16.86%	1.37%	31.20%
13	Gulf Coast Bank	Abbeville	92	$498M	13.96%	0.46%	33.19%
14	Bank of Zachary	Zachary	92	$400M	21.26%	0.26%	33.25%
15	Currency Bank	Oak Grove	92	$180M	21.99%	0.15%	25.87%
16	First American Bank&Trust	Vacherie	91	$1.3B	22.74%	0.90%	34.67%
17	Bank of Winnfield&Trust Co	Winnfield	91	$157M	32.86%	0.74%	60.97%
18	Jonesboro State Bank	Jonesboro	91	$783M	20.41%	1.10%	76.52%
19	Vermilion Bank&Trust Co	Kaplan	90	$147M	20.92%	1.60%	52.94%
20	Liberty Bank&Trust Co	New Orleans	90	$1.1B	15.65%	1.22%	36.48%
21	South Louisiana Bank	Houma	90	$700M	13.10%	0.54%	50.05%
22	Mer Rouge State Bank	Mer Rouge	90	$47M	12.84%	0.08%	41.98%
23	First Nb in Deridder	Deridder	89	$373M	15.97%	1.22%	34.15%
24	Cottonport Bank	Cottonport	89	$491M	13.57%	1.03%	31.50%
25	Gibsland Bank&Trust Co	Gibsland	88	$520M	15.05%	0.91%	26.65%
26	Cross Keys Bank	Saint Joseph	87	$587M	15.45%	1.37%	32.76%
27	Patterson State Bank	Patterson	86	$309M	16.64%	1.31%	37.84%
28	Progressive Bank	Monroe	86	$812M	12.82%	0.19%	30.78%
29	Bonvenu Bank National Assn	Bossier City	86	$1.5B	13.14%	0.09%	26.83%
30	Tensas State Bank	Newellton	85	$179M	13.69%	1.63%	34.06%
31	St Landry Bank&Trust Co	Opelousas	85	$297M	26.92%	1.56%	77.24%
32	Catalyst Bank	Opelousas	84	$292M	49.09%	1.04%	39.54%
33	Colfax Banking Co	Colfax	84	$147M	10.54%	0.07%	48.63%
34	Exchange B&T Natchitoches La	Natchitoches	83	$186M	12.26%	1.55%	51.39%
35	American Bank&Trust Co	Opelousas	83	$238M	11.16%	0.13%	27.56%
36	Guaranty B&T Co of Delhi La	Delhi	83	$401M	14.33%	0.89%	20.37%
37	Anthem Bank&Trust	Plaquemine	83	$215M	14.04%	0.56%	23.18%
38	Bank of Commerce&Trust Co	Crowley	82	$354M	11.41%	0.38%	69.34%
39	M C Bank&Trust Co	Morgan City	82	$441M	17.80%	0.59%	19.12%
40	Fifth District Savings Bank	New Orleans	82	$516M	33.54%	0.32%	22.95%
41	Merchants&Farmers B&T Co	Leesville	82	$476M	11.53%	0.43%	40.82%
42	Winnsboro State B&T Co	Winnsboro	81	$355M	15.27%	1.52%	22.65%
43	First National Bankers Bank	Baton Rouge	81	$969M	17.94%	0.18%	15.73%
44	Rayne Building&Loan Assn	Rayne	81	$54M	26.66%	1.26%	28.70%
45	Jackson Parish Bank	Jonesboro	81	$62M	21.58%	2.71%	58.88%
46	Feliciana Bank&Trust Co	Clinton	80	$160M	12.78%	0.72%	20.23%
47	Metairie Bank&Trust Co	Metairie	80	$598M	11.10%	0.10%	24.18%

For Depositors at A-Graded Banks

FDIC insurance — not the bank's grade — guarantees deposits up to $250,000 per depositor, per insured bank, per ownership category. Verify your bank's status and your specific coverage at FDIC.gov. The Bank Health Score and grade describe regulatory cushion in relative terms; insurance describes guaranteed protection.

For combined balances above $250,000 at a single bank, the FDIC's Electronic Deposit Insurance Estimator (EDIE) calculates exactly which dollars are insured. Account titling — joint, individual, retirement, payable-on-death — affects coverage. Federal regulators including the OCC publish the rules; FDIC.gov is the authoritative consumer source.

How These Grades Are Calculated

Every bank earns a Bank Health Score from four FDIC Call Report inputs: Tier 1 capital ratio (35%), NPL ratio inverted (30%), liquidity ratio (25%), and return on assets (10%). The 0–100 composite maps to A (80+), B (65–79), C (50–64), D (35–49), and F (under 35). Data flows from the FDIC BankFind API and the FFIEC Call Report archive. Read the full methodology.

Frequently Asked Questions

What does a A grade mean for a bank?

How many A-graded banks are in Louisiana?

What does this tier look like financially?

Across 47 A-graded banks in Louisiana, the average Tier 1 capital ratio is 17.95% and the average nonperforming-loan ratio is 0.70%. Combined assets in this cohort total $23.7B. These numbers come straight from the most recent quarterly FDIC Call Report.

Are deposits at A-graded banks still FDIC-insured?

Where does this data come from?

Bank financials are pulled from the FDIC BankFind API, which sources directly from quarterly Call Reports filed with the FFIEC. Health Scores are computed from a transparent four-factor formula using public Call Report fields. All FDIC and FFIEC data is U.S. government public domain.

All banks in Louisiana →All grade A banks nationwide →Healthiest Banks →Methodology →

Sources: FDIC BankFind API ( banks.data.fdic.gov); FFIEC Call Reports ( cdr.ffiec.gov/public); OCC ( occ.gov). Public domain.

Last updated 2026-06-29 · 47 A-graded banks in Louisiana. Informational only; not investment advice. Verify FDIC insurance directly at FDIC.gov.