FIRST NATIONAL BANK USA

BOUTTE, LA | Small | Est. June 23, 1975, midnight | FDIC #22046 | RSSD #714839 | OCC
Latest Report: 2025-12-31

FIRST NATIONAL BANK USA is asn small FDIC-insured commercial bank headquartered in BOUTTE, LA, established in June 23, 1975, midnight. As of 2025-12-31, the bank reported total assets of $225M and total deposits of $191M. Profitability stands at 1.94% ROA and 13.34% ROE, with a net interest margin of 4.95%. The bank's CET1 capital ratio is 14.51%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #22046.

Assets

$225M

Deposits

$191M

Loans

$111M

Equity

$33M

Profitability

Return on Assets (ROA) 1.94%
Return on Equity (ROE) 13.34%
Net Interest Margin (NIM) 4.95%
Yield on Assets 6.01%
Cost of Funds 1.15%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.02%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.27%

Capital & Liquidity

CET1 Ratio 14.51%
Tier 1 Capital 14.51%
Total Capital Ratio 15.24%
Leverage Ratio 14.67%
Loan-to-Deposit 57.90%

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