BANK OF ST. FRANCISVILLE

SAINT FRANCISVILLE, LA | Small | Est. Oct. 30, 1978, midnight | FDIC #22739 | RSSD #364430 | FDIC
Latest Report: 2025-12-31

BANK OF ST. FRANCISVILLE is asn small FDIC-insured commercial bank headquartered in SAINT FRANCISVILLE, LA, established in Oct. 30, 1978, midnight. As of 2025-12-31, the bank reported total assets of $377M and total deposits of $326M. Profitability stands at 1.09% ROA and 10.90% ROE, with a net interest margin of 4.47%. The bank's CET1 capital ratio is 10.06%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.74% and a Texas Ratio of 5.61%. FDIC Certificate #22739.

Assets

$377M

Deposits

$326M

Loans

$293M

Equity

$38M

Profitability

Return on Assets (ROA) 1.09%
Return on Equity (ROE) 10.90%
Net Interest Margin (NIM) 4.47%
Yield on Assets 6.62%
Cost of Funds 2.22%

Asset Quality

NPL Ratio 0.74%
Net Charge-Off Ratio 0.05%
Texas Ratio 5.61%
NPA Ratio 0.62%
ACL / Loans 1.24%

Capital & Liquidity

CET1 Ratio 10.06%
Tier 1 Capital 10.06%
Total Capital Ratio 10.56%
Leverage Ratio 10.13%
Loan-to-Deposit 89.81%

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