BANK OF ERATH

ERATH, LA | Small | Est. Jan. 1, 1910, midnight | FDIC #8532 | RSSD #399731 | FDIC
Latest Report: 2025-12-31

BANK OF ERATH is asn small FDIC-insured commercial bank headquartered in ERATH, LA, established in Jan. 1, 1910, midnight. As of 2025-12-31, the bank reported total assets of $109M and total deposits of $94M. Profitability stands at 2.20% ROA and 16.82% ROE, with a net interest margin of 4.89%. The bank's CET1 capital ratio is 13.15%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.20% and a Texas Ratio of 12.99%. FDIC Certificate #8532.

Assets

$109M

Deposits

$94M

Loans

$47M

Equity

$14M

Profitability

Return on Assets (ROA) 2.20%
Return on Equity (ROE) 16.82%
Net Interest Margin (NIM) 4.89%
Yield on Assets 5.89%
Cost of Funds 1.88%

Asset Quality

NPL Ratio 0.20%
Net Charge-Off Ratio 0.06%
Texas Ratio 12.99%
NPA Ratio 1.79%
ACL / Loans 1.48%

Capital & Liquidity

CET1 Ratio 13.15%
Tier 1 Capital 13.15%
Total Capital Ratio 13.81%
Leverage Ratio 14.25%
Loan-to-Deposit 49.77%

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