FIRST AMERICAN BANK AND TRUST

VACHERIE, LA | Large | Est. Dec. 3, 1910, midnight | FDIC #8149 | RSSD #101037 | FDIC
Latest Report: 2025-12-31

FIRST AMERICAN BANK AND TRUST is aln large FDIC-insured commercial bank headquartered in VACHERIE, LA, established in Dec. 3, 1910, midnight. As of 2025-12-31, the bank reported total assets of $1.4B and total deposits of $1.2B. Profitability stands at 1.23% ROA and 10.57% ROE, with a net interest margin of 4.06%. The bank's CET1 capital ratio is 25.31%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.89% and a Texas Ratio of 4.36%. FDIC Certificate #8149.

Assets

$1.4B

Deposits

$1.2B

Loans

$848M

Equity

$160M

Profitability

Return on Assets (ROA) 1.23%
Return on Equity (ROE) 10.57%
Net Interest Margin (NIM) 4.06%
Yield on Assets 5.10%
Cost of Funds 1.16%

Asset Quality

NPL Ratio 0.89%
Net Charge-Off Ratio 0.06%
Texas Ratio 4.36%
NPA Ratio 0.56%
ACL / Loans 1.62%

Capital & Liquidity

CET1 Ratio 25.31%
Tier 1 Capital 25.31%
Total Capital Ratio 26.57%
Leverage Ratio 14.06%
Loan-to-Deposit 71.00%

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