ST. LANDRY BANK AND TRUST COMPANY

OPELOUSAS, LA | Small | Est. Jan. 1, 1931, midnight | FDIC #8534 | RSSD #885430 | FDIC
Latest Report: 2025-12-31

ST. LANDRY BANK AND TRUST COMPANY is asn small FDIC-insured commercial bank headquartered in OPELOUSAS, LA, established in Jan. 1, 1931, midnight. As of 2025-12-31, the bank reported total assets of $299M and total deposits of $275M. Profitability stands at 0.08% ROA and 0.98% ROE, with a net interest margin of 3.10%. The bank's CET1 capital ratio is 27.09%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.99% and a Texas Ratio of 3.57%. FDIC Certificate #8534.

Assets

$299M

Deposits

$275M

Loans

$79M

Equity

$23M

Profitability

Return on Assets (ROA) 0.08%
Return on Equity (ROE) 0.98%
Net Interest Margin (NIM) 3.10%
Yield on Assets 3.75%
Cost of Funds 0.65%

Asset Quality

NPL Ratio 0.99%
Net Charge-Off Ratio -0.74%
Texas Ratio 3.57%
NPA Ratio 0.31%
ACL / Loans 2.79%

Capital & Liquidity

CET1 Ratio 27.09%
Tier 1 Capital 27.09%
Total Capital Ratio 28.35%
Leverage Ratio 11.36%
Loan-to-Deposit 28.78%

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