b1BANK: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
b1BANK, based in Baton Rouge, Louisiana, reported $8.9 billion in assets at June 30, 2026, up 12.0% from a year earlier. It holds about half of its deposits (47%) above the FDIC insurance limit, higher than about three-quarters of the 895 banks with $1 billion to $10 billion in assets (median 30.9%). It also carries problem assets equal to 10.7% of the capital and reserves that would absorb them, about triple the median of 3.6% for banks its size.
The commercial and industrial book ($1.4 billion) is worsening: 2.40% of it is past due or on nonaccrual, up from 1.24% a year earlier. Problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.20% of loans from 0.91% a year earlier.
As of June 30, 2026, b1BANK reported a CET1 capital ratio of 12.33%, a return on assets of 1.20%, a nonperforming-loan ratio of 1.20% and a Texas ratio of 10.66%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 500 Laurel St, Baton Rouge, LA 70801
- County
- East Baton Rouge
- Metro Area
- Baton Rouge, LA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- February 1, 2006
- Former names
- Business First Bank (2015-2019)
- Offices
- 60 domestic
- Employees (FTE)
- 966
- Domestic deposits
- $7.27B
- Allowance for credit losses
- $62.5M
- Net charge-offs (YTD)
- $3.8M
- Average total assets
- $8.94B
- Average total loans
- $6.76B
- Average interest-bearing deposits
- $5.72B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- February 1, 2006
- FDIC Cert
- 58228
- Fed RSSD
- 3408728
- SEC CIK
- 1624322 → filed by BUSINESS FIRST BANCSHARES, INC.
- Website
- www.b1bank.com →
- Parent Holding Company
- BUSINESS FIRST BANCSHARES, INC. (RSSD 3488850) · BFST
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| David R. Melville Iii | CEO | President and CEO |
| Greg Robertson | CFO | EVP and CFO |
| Keith Mansfield | COO | EVP&COO of b1Bank |
| Saundra Strong | GC | EVP & General Counsel |
| Warren Mcdonald | CCO | EVP & Chief Credit Officer |
| Kathryn Manning | CRO | EVP & Chief Risk Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full b1BANK terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock b1BANK, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
b1BANK rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for b1BANK: Uninsured deposits.
Banks merged into b1BANK
- Progressive Bank, effective January 1, 2026
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.33% | 1.20% | 1.20% | 10.66% | 3.81% |
| Q1 2026 | 11.96% | 1.18% | 1.51% | 12.51% | 3.66% |
| Q4 2025 | 12.02% | 1.25% | 1.20% | 9.73% | 3.81% |
| Q3 2025 | 12.28% | 1.29% | 0.75% | 7.13% | 3.79% |
| Q2 2025 | 12.02% | 1.25% | 0.93% | 6.71% | 3.73% |
| Q1 2025 | 12.04% | 1.14% | 0.68% | 4.30% | 3.68% |
| Q4 2024 | 11.60% | 0.95% | 0.48% | 3.22% | 3.68% |
| Q3 2024 | 12.00% | 1.16% | 0.61% | 3.38% | 3.57% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 61 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| b1BANK (main office) | Baton Rouge , LA | 70801 | $1.23B |
| Minden - Mbl Dr Banking Center Branch | Minden , LA | 71055 | $424.0M |
| Houma - W Tunnel Blvd Banking Center Branch | Houma , LA | 70360 | $372.7M |
| Bibank Lake Charles - Ryan St Branch | Lake Charles , LA | 70601 | $301.8M |
| Port Allen Banking Center Branch | Port Allen , LA | 70767 | $289.7M |
| Progressive Bank Branch | Monroe , LA | 71201 | $276.9M |
| Covington Banking Center Branch | Covington , LA | 70433 | $252.2M |
| Tcb-Nasa Branch | Houston , TX | 77058 | $241.9M |
| Shreveport Banking Center Branch | Shreveport , LA | 71101 | $224.5M |
| Lafayette - Camellia Blvd Banking Center Branch | Lafayette , LA | 70508 | $215.8M |
| Oakwood Branch | Dallas , TX | 75225 | $209.2M |
| North Dallas Branch | Dallas , TX | 75287 | $206.8M |
| Rayville - Louisa St Banking Center Branch | Rayville , LA | 71269 | $198.8M |
| Deridder Banking Cener Branch | Deridder , LA | 70634 | $172.6M |
| Metairie Banking Center Branch | Metairie , LA | 70001 | $167.8M |
| Frisco Banking Center Branch | Frisco , TX | 75034 | $157.1M |
| Eunice Banking Center Branch | Eunice , LA | 70535 | $138.4M |
| West Monroe Banking Center Branch | West Monroe , LA | 71291 | $117.9M |
| Snyder Branch | Snyder , TX | 79549 | $109.0M |
| Grand Lake Banking Center Branch | Lake Charles , LA | 70607 | $93.6M |
| Baton Rouge Highland Road Branch | Baton Rouge , LA | 70809 | $87.0M |
| Baton Rouge - Coursey Blvd Banking Center Branch | Baton Rouge , LA | 70816 | $83.9M |
| Fern Avenue Financial Center | Shreveport , LA | 71105 | $83.6M |
| West University Branch | Houston , TX | 77005 | $82.9M |
| Rosenberg Branch | Rosenberg , TX | 77471 | $77.8M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 1, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2026 | Structure Change | Acquired Progressive Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 2024 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2024 | Structure Change | Acquired Oakwood Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 1, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 1, 2022 | Structure Change | Acquired Texas Citizens Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 1, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 2020 | Structure Change | Acquired Pedestal Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 1, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 2018 | Structure Change | Acquired Richland State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2018 | Structure Change | Acquired MBL Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2015 | Structure Change | Acquired American Gateway Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 14 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for b1BANK, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 4.3% of deposits in LA, rank 6 of 118 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 915 applications, 728 loans originated, $300.9M originated, across 11 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 49 loans, $55.2M approved, $1.1M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about b1BANK
What are b1BANK's total assets?
As of the Q2 2026 filing, b1BANK reported total assets of $8.89 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is b1BANK headquartered?
b1BANK is headquartered in Baton Rouge, LA, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was b1BANK founded?
b1BANK was established in 2006, per the FDIC institution directory.
Is b1BANK FDIC-insured?
Yes. b1BANK is an FDIC-insured commercial bank (FDIC Certificate #58228). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates b1BANK?
b1BANK's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is b1BANK's CET1 capital ratio?
b1BANK reported a Common Equity Tier 1 (CET1) capital ratio of 12.33% in its Q2 2026 call report, above regulatory requirements.
How many branches does b1BANK operate?
b1BANK operates 60 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is b1BANK's Texas Ratio?
b1BANK's Texas Ratio is 10.66% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was b1BANK previously called?
The charter now named b1BANK has also operated as Business First Bank (2015-2019), per FDIC structure-change records.
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