Updated June 2026 · FDIC Call Report Q2 2024

B-Rated Banks in Louisiana

27 banks · Average score: 73/100 · Combined assets $34.8B

27 banks in this state currently hold B grades, averaging a composite score of 73/100. 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 17.05% and an NPL ratio of 1.06%, sourced from the most recent FDIC quarterly Call Report.

27 Louisiana banks hold a B grade (73/100 average score). B-grade banks sit comfortably above the national median across most factors but lack the cushion of A-grade peers on one or more dimensions.

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 B-grade banks by health score with links to each bank's full profile.

A B C DF

What "B" Means in Practice

B-graded banks in Louisiana are healthy mid-tier institutions — composite scores of 65–79. Currently 27 banks fit this category. The typical B-graded bank meets all regulatory thresholds with comfortable margin: solid capital, manageable loan losses, adequate liquidity. Most U.S. banks land in B territory; it's the workhorse middle of the distribution, not a warning sign.

For depositors: B-graded institutions are the broad middle of the U.S. banking system — solidly healthy and well within regulatory norms. FDIC insurance covers deposits up to $250,000 per depositor, per insured bank, per ownership category. No grade-based action needed; verify coverage at FDIC.gov if balances approach the limit.

Tier-Wide Snapshot in Louisiana

Banks in this grade tier	27
Combined assets	$34.8B
Average composite score	73/100
Average Tier 1 capital ratio	17.05%
Average NPL ratio	1.06%

All B-Graded Banks in Louisiana

#	Bank	City	Score	Assets	Tier 1 Capital	NPL Ratio	Liquidity
1	Sicily Island State Bank	Sicily Island	79	$85M	18.24%	1.21%	19.13%
2	Southern Heritage Bank	Jonesville	79	$387M	10.12%	0.42%	27.60%
3	Bank of Oak Ridge	Oak Ridge	79	$105M	17.85%	0.00%	16.26%
4	Bank of Coushatta	Coushatta	79	$292M	13.45%	1.64%	51.06%
5	Delta Bank	Vidalia	77	$602M	9.51%	0.24%	25.07%
6	Century Next Bank	Ruston	77	$831M	9.93%	0.52%	24.30%
7	First Federal Bank of La	Lake Charles	77	$1.1B	20.37%	2.78%	35.14%
8	Resource Bank	Covington	76	$1.0B	11.30%	0.12%	20.77%
9	First Nb of Jeanerette	Jeanerette	76	$460M	13.47%	0.65%	14.27%
10	Sabine State Bank&Trust Co	Many	76	$1.3B	12.76%	0.84%	17.35%
11	Clb the Community Bank	Jonesville	75	$312M	10.82%	1.13%	23.29%
12	Home Federal Bank	Shreveport	75	$638M	13.29%	0.33%	16.45%
13	Home Bank National Assn	Lafayette	74	$3.4B	13.15%	0.63%	15.50%
14	Synergy Bank	Houma	74	$1.2B	10.93%	2.52%	31.92%
15	South Lafourche B&T Co	Larose	72	$171M	11.68%	0.89%	17.78%
16	B1bank	Baton Rouge	72	$6.7B	11.79%	0.43%	16.32%
17	Bank of Gueydan	Gueydan	72	$74M	21.64%	3.73%	63.71%
18	Eureka Homestead	Metairie	71	$103M	37.09%	0.29%	10.00%
19	Abbeville Bldg&L State-Chart	Abbeville	71	$59M	42.11%	1.61%	18.08%
20	Investar Bank National Assn	Baton Rouge	71	$2.8B	11.78%	0.23%	15.27%
21	Evangeline Bank&Trust Co	Ville Platte	69	$1.0B	13.56%	1.42%	12.60%
22	Bom Bank	Natchitoches	69	$1.1B	10.54%	0.98%	16.65%
23	Origin Bank	Choudrant	68	$9.9B	12.16%	0.95%	14.81%
24	Bank of Sunset&Trust Co	Sunset	67	$185M	10.36%	0.36%	14.11%
25	Bank of St Francisville	Saint Francisvil	67	$343M	9.48%	1.56%	24.86%
26	Mutual Savings&Loan Assn	Metairie	66	$36M	72.59%	0.11%	4.49%
27	Concordia Bank&Trust Co	Vidalia	65	$661M	10.46%	3.02%	38.97%

For Depositors at B-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 B grade mean for a bank?

How many B-graded banks are in Louisiana?

What does this tier look like financially?

Across 27 B-graded banks in Louisiana, the average Tier 1 capital ratio is 17.05% and the average nonperforming-loan ratio is 1.06%. Combined assets in this cohort total $34.8B. These numbers come straight from the most recent quarterly FDIC Call Report.

Are deposits at B-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 B 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 · 27 B-graded banks in Louisiana. Informational only; not investment advice. Verify FDIC insurance directly at FDIC.gov.