First Federal Bank of Louisiana: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
First Federal Bank of Louisiana spends more to run itself than most banks of its size. Its balance sheet stood at $1.1 billion at June 30, 2026, up 2.0% from a year earlier; it is based in Lake Charles, Louisiana. It earns about $0.26 a year on every $100 of assets, a small fraction of the median of $1.29 for the 895 banks with $1 billion to $10 billion in assets. It also spends about 79 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 58 cents).
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.17% of loans from 2.69%. Loans and deposits moved in opposite directions: over the year loans fell 5.2% and deposits rose 0.7%. Credit is the area to watch: it carries problem assets equal to 13.4% of the capital and reserves that would absorb them, 3.7 times the median of 3.6% for banks its size.
As of June 30, 2026, First Federal Bank of Louisiana reported a CET1 capital ratio of 21.41%, a return on assets of 0.26%, a nonperforming-loan ratio of 0.17% and a Texas ratio of 13.40%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 1135 Lake Shore Dr, Lake Charles, LA 70601
- County
- Calcasieu
- Metro Area
- Lake Charles, LA
- Charter
- State-chartered stock savings and loan association, FDIC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- —
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- October 31, 1949
- Offices
- 16 domestic
- Employees (FTE)
- 197
- Domestic deposits
- $991.6M
- Allowance for credit losses
- $6.5M
- Net charge-offs (YTD)
- $1.4M
- Average total assets
- $1.17B
- Average total loans
- $640.7M
- Average interest-bearing deposits
- $834.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 30441
- Fed RSSD
- 517674
- Website
- www.ffbla.bank →
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. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point.
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 First Federal Bank of Louisiana terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock First Federal Bank of Louisiana, freeFirst Federal Bank of Louisiana 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.
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 | 21.41% | 0.26% | 0.17% | 13.40% | 2.89% |
| Q1 2026 | 21.41% | 0.38% | 0.17% | 13.71% | 2.73% |
| Q4 2025 | 21.09% | 0.35% | 2.83% | 14.58% | 2.69% |
| Q3 2025 | 20.74% | 0.46% | 2.77% | 14.78% | 2.72% |
| Q2 2025 | 20.30% | 0.02% | 2.69% | 15.13% | 2.63% |
| Q1 2025 | 20.57% | 0.35% | 2.71% | 15.21% | 2.52% |
| Q4 2024 | 20.34% | 0.26% | 2.73% | 15.70% | 2.52% |
| Q3 2024 | 20.21% | 0.43% | 2.73% | 15.13% | 2.52% |
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 16 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Federal Bank of Louisiana (main office) | Lake Charles , LA | 70601 | $327.9M |
| First Fed Bk of La Coliseum Blvd Branch | Alexandria , LA | 71303 | $199.6M |
| Maplewood Drive Branch | Sulphur , LA | 70663 | $71.9M |
| 324 East Mc Neese Street Branch | Lake Charles , LA | 70605 | $69.7M |
| 4093 Nelson Road Branch | Lake Charles , LA | 70605 | $63.4M |
| Oakdale Branch | Oakdale , LA | 71463 | $45.3M |
| Lake Charles Branch | Lake Charles , LA | 70611 | $45.0M |
| 2214 Sampson Street Branch | Westlake , LA | 70669 | $40.0M |
| 519 North Pine Branch | De Ridder , LA | 70634 | $27.9M |
| Vinton Branch | Vinton , LA | 70668 | $22.1M |
| Carlyss Branch | Sulphur , LA | 70665 | $21.3M |
| 701 Keyser Avenue | Natchitoches , LA | 71457 | $18.8M |
| Natchitoches Branch | Natchitoches , LA | 71457 | $15.1M |
| 5615-A Jackson Street | Alexandria , LA | 71303 | $11.3M |
| Pineville Branch | Pineville , LA | 71360 | $9.1M |
| Walnut Grove Branch | Lake Charles , LA | 70601 | $3.3M |
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 |
|---|---|---|---|
| October 30, 2004 | Structure Change | Acquired First Federal Savings & Loan Association of Allen Parish Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 29, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 30, 1987 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 31, 1987 | Structure Change | Acquired First Federal Savings & Loan Association 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 4 events.
Regulatory record
What the public regulatory sources show for First Federal Bank of Louisiana, 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
- 0.7% of deposits in LA, rank 22 of 118 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $250K approved, $250K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2013 (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 First Federal Bank of Louisiana
What are First Federal Bank of Louisiana's total assets?
As of the Q2 2026 filing, First Federal Bank of Louisiana reported total assets of $1.15 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First Federal Bank of Louisiana headquartered?
First Federal Bank of Louisiana is headquartered in Lake Charles, LA, United States. It files quarterly FFIEC call reports, as every FDIC-insured savings and loan association must.
When was First Federal Bank of Louisiana founded?
First Federal Bank of Louisiana was established in 1949, per the FDIC institution directory.
Is First Federal Bank of Louisiana FDIC-insured?
Yes. First Federal Bank of Louisiana is an FDIC-insured savings and loan association (FDIC Certificate #30441). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Federal Bank of Louisiana?
First Federal Bank of Louisiana's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First Federal Bank of Louisiana's CET1 capital ratio?
First Federal Bank of Louisiana reported a Common Equity Tier 1 (CET1) capital ratio of 21.41% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First Federal Bank of Louisiana operate?
First Federal Bank of Louisiana operates 16 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Federal Bank of Louisiana's Texas Ratio?
First Federal Bank of Louisiana's Texas Ratio is 13.40% 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.
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