Fifth District Savings Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Fifth District Savings Bank spends more to run itself than most banks of its size. Its balance sheet stood at $532 million at June 30, 2026, down 1.4% from a year earlier; it is based in New Orleans, Louisiana. It earns about $0.34 a year on every $100 of assets, a small fraction of the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 85 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Earnings fell sharply: quarterly net income of $460,000 was 85% below a year earlier. Over the same year, loans grew 3.6% and deposits shrank 2.3%. Its margin is thin by comparison: it keeps 2.77 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.95 cents).
As of June 30, 2026, Fifth District Savings Bank reported a CET1 capital ratio of 38.90%, a return on assets of 0.34%, a nonperforming-loan ratio of 0.09% and a Texas ratio of 0.34%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 4000 General Degaulle Dr, New Orleans, LA 70114
- County
- Orleans
- Metro Area
- New Orleans-Metairie, LA
- Charter
- Federal savings bank, federal charter, OCC-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 041
- Established
- January 1, 1926
- Offices
- 7 domestic
- Employees (FTE)
- 68
- Domestic deposits
- $414.8M
- Allowance for credit losses
- $1.7M
- Net charge-offs (YTD)
- $0
- Average total assets
- $541.9M
- Average total loans
- $414.8M
- Average interest-bearing deposits
- $413.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 27697
- Fed RSSD
- 837970
- SEC CIK
- 2012726 → filed by FIFTH DISTRICT BANCORP, INC.
- Website
- www.fifthdistrict.com →
- Parent Holding Company
- FIFTH DISTRICT BANCORP, INC. (RSSD 5926918) · FDSB
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Amie L. Lyons | CEO | President and CEO |
| Melissa C. Burns | CFO | CFO and Treasurer |
| Gregory P. Nolan | GC | SVP & General Counsel |
| Smith Shane Michael | CCO | Chief Credit 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 Fifth District Savings Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Fifth District Savings Bank, freeFifth District Savings Bank 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 Fifth District Savings Bank: 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 | 38.90% | 0.34% | 0.09% | 0.34% | 2.77% |
| Q1 2026 | 39.39% | 0.32% | 0.02% | 0.09% | 2.66% |
| Q4 2025 | 41.17% | 0.44% | 0.14% | 0.52% | 2.56% |
| Q3 2025 | 41.47% | 0.30% | 0.05% | 0.22% | 2.51% |
| Q2 2025 | 41.68% | 2.31% | 0.33% | 1.21% | 2.39% |
| Q1 2025 | 41.88% | 0.06% | 0.20% | 0.75% | 2.26% |
| Q4 2024 | 43.24% | 0.12% | 0.29% | 1.06% | 2.21% |
| Q3 2024 | 43.70% | 0.15% | 0.17% | 0.64% | 2.25% |
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 7 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Fifth District Savings Bank (main office) | New Orleans , LA | 70114 | $147.4M |
| Fifth Dist Svg Bk - Marrero Branch | Marrero , LA | 70072 | $75.6M |
| 2701 Barataria Blvd Branch | Marrero , LA | 70072 | $64.7M |
| 1317 Westbank Expressway Branch | Westwego , LA | 70094 | $47.5M |
| Metairie Branch | Metairie , LA | 70006 | $41.2M |
| Covington Branch | Covington , LA | 70433 | $30.8M |
| Fifth District Savings Bank - Lakeview Branch | New Orleans , LA | 70124 | $7.6M |
Regulatory record
What the public regulatory sources show for Fifth District Savings Bank, 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
- 0.3% of deposits in LA, rank 48 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
- Not on file: no SBA 7(a) loans matched
- Period: not on file. 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 Fifth District Savings Bank
What are Fifth District Savings Bank's total assets?
As of the Q2 2026 filing, Fifth District Savings Bank reported total assets of $531.8 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Fifth District Savings Bank headquartered?
Fifth District Savings Bank is headquartered in New Orleans, LA, United States. It files quarterly FFIEC call reports, as every FDIC-insured savings institution must.
When was Fifth District Savings Bank founded?
Fifth District Savings Bank was established in 1926, per the FDIC institution directory.
Is Fifth District Savings Bank FDIC-insured?
Yes. Fifth District Savings Bank is an FDIC-insured savings institution (FDIC Certificate #27697). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Fifth District Savings Bank?
Fifth District Savings Bank'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 Fifth District Savings Bank's CET1 capital ratio?
Fifth District Savings Bank reported a Common Equity Tier 1 (CET1) capital ratio of 38.90% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Fifth District Savings Bank operate?
Fifth District Savings Bank operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Fifth District Savings Bank's Texas Ratio?
Fifth District Savings Bank's Texas Ratio is 0.34% 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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