b1BANK
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Data as of · sourced from FFIEC call reports. How we update
b1BANK is an FDIC-insured commercial bank headquartered in Baton Rouge, LA, established in 2006 (FDIC certificate 58228), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $8.89B, up 12.0% from Q2 2025, the 2nd largest of 102 banks headquartered in Louisiana. Its CET1 capital ratio was 12.33% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 58228
- Headquarters
- Baton Rouge, LA
- Established
- 2006
- Total assets, Q2 2026
- $8.89B
- Assets vs Q2 2025
- +12.0%
- CET1 ratio, Q2 2026
- 12.33%
- Domestic offices
- 63 FDIC institution directory, current count
- Routing number
- 065405420
- Latest call report
- Q2 2026, FFIEC 041 · b1BANK call report
- Holding company
- BUSINESS FIRST BANCSHARES, INC.
- Asset rank in state
- 2nd of 102 in Louisiana
b1BANK, based in Baton Rouge, Louisiana, reported $8.9 billion in assets at June 30, 2026, up 12.0% from a year earlier. It holds about half of its deposits (47%) above the FDIC insurance limit, higher than about three-quarters of the 895 banks with $1 billion to $10 billion in assets (median 30.9%). It also carries problem assets equal to 10.7% of the capital and reserves that would absorb them, about triple the median of 3.6% for banks its size.
The commercial and industrial book ($1.4 billion) is worsening: 2.40% of it is past due or on nonaccrual, up from 1.24% a year earlier. Problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.20% of loans from 0.91% a year earlier.
As of June 30, 2026, b1BANK reported a CET1 capital ratio of 12.33%, a return on assets of 1.20%, a nonperforming-loan ratio of 1.26% and a Texas ratio of 10.66%. The figures come from its call report filed with the FFIEC.
Of the 102 banks headquartered in Louisiana, b1BANK is the 2nd largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 0.1% to $8.89B, loans fell 0.3% and deposits fell 2.7%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 22.7% of total loans, ahead of commercial and industrial loans at 21.4%. The FDIC Summary of Deposits lists 61 offices for it, in 38 cities across 2 states; its Baton Rouge 5 offices book 20% of its branch deposits. On its Q2 2026 call report, b1BANK meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 500 Laurel St, Baton Rouge, LA 70801
- County
- East Baton Rouge
- Metro Area
- Baton Rouge, LA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- February 1, 2006
- Former names
- Business First Bank (2015-2019)
- Domestic offices
- 63 FDIC institution directory, current count
- Employees (FTE)
- 966
- Domestic deposits
- $7.27B
- Allowance for credit losses
- $62.5M
- Net charge-offs (YTD)
- $3.8M
- Average total assets
- $8.94B
- Average total loans
- $6.76B
- Average interest-bearing deposits
- $5.72B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- February 1, 2006
- FDIC Cert
- 58228
- Fed RSSD
- 3408728
- SEC CIK
- 1624322 → filed by BUSINESS FIRST BANCSHARES, INC.
- Website
- www.b1bank.com →
- Parent Holding Company
- BUSINESS FIRST BANCSHARES, INC. (RSSD 3488850) · BFST
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| David R. Melville Iii | CEO | President and CEO |
| Vascocu Norman Jerome Jr | PRES | President of b1Bank |
| Greg Robertson | CFO | EVP and CFO |
| Keith Mansfield | COO | EVP&COO of b1Bank |
| Saundra Strong | GC | EVP & General Counsel |
| Warren Mcdonald | CCO | EVP & Chief Credit Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, b1BANK's total assets ran between $6.50B (Q3 2023) and $8.90B (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$8.89B total assets against $7.94B; $7.81B total liabilities against $7.02B.
$6.60B net loans and leases against $5.99B; $7.27B total deposits against $6.43B.
$1.04B securities against $926.5M; $673.1M cash and balances due against $540.0M.
$125.7M total interest income against $114.8M; $45.9M total interest expense against $46.5M.
$79.8M net interest income against $68.3M.
$13.7M total noninterest income against $14.9M; $57.8M total noninterest expense against $49.8M.
$2.0M provision for credit losses against $2.2M.
$26.9M net income against $24.5M.
1.20% return on assets against 1.25%; 3.81% net interest margin against 3.73%.
12.33% CET1 capital ratio against 12.02%; 10.91% tier 1 leverage ratio against 10.79%.
Inside the full b1BANK terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
b1BANK rankings
Its closest position to the top of a national ranking is 178 of 4,196, for total assets; its furthest is 1,606 of 2,134, for CET1 ratio.
Metric pages for b1BANK: Uninsured deposits.
Banks merged into b1BANK
- Progressive Bank, effective January 1, 2026
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.95% (Q4 2024) to 1.29% (Q3 2025) and its net interest margin ran from 3.57% (Q3 2024) to 3.81% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.33% | 1.20% | 1.26% | 10.66% | 3.81% |
| Q1 2026 | 11.96% | 1.18% | 1.53% | 12.51% | 3.66% |
| Q4 2025 | 12.02% | 1.25% | 1.24% | 9.73% | 3.81% |
| Q3 2025 | 12.28% | 1.29% | 0.82% | 7.13% | 3.79% |
| Q2 2025 | 12.02% | 1.25% | 0.97% | 6.71% | 3.73% |
| Q1 2025 | 12.04% | 1.14% | 0.69% | 4.30% | 3.68% |
| Q4 2024 | 11.60% | 0.95% | 0.42% | 3.22% | 3.68% |
| Q3 2024 | 12.00% | 1.16% | 0.50% | 3.38% | 3.57% |
Swipe the table sideways to see every column.
Branch Network
View all 61 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| b1BANK (main office) | Baton Rouge , LA | 70801 | $1.23B |
| Minden - Mbl Dr Banking Center Branch | Minden , LA | 71055 | $424.0M |
| Houma - W Tunnel Blvd Banking Center Branch | Houma , LA | 70360 | $372.7M |
| Bibank Lake Charles - Ryan St Branch | Lake Charles , LA | 70601 | $301.8M |
| Port Allen Banking Center Branch | Port Allen , LA | 70767 | $289.7M |
| Progressive Bank Branch | Monroe , LA | 71201 | $276.9M |
| Covington Banking Center Branch | Covington , LA | 70433 | $252.2M |
| Tcb-Nasa Branch | Houston , TX | 77058 | $241.9M |
| Shreveport Banking Center Branch | Shreveport , LA | 71101 | $224.5M |
| Lafayette - Camellia Blvd Banking Center Branch | Lafayette , LA | 70508 | $215.8M |
| Oakwood Branch | Dallas , TX | 75225 | $209.2M |
| North Dallas Branch | Dallas , TX | 75287 | $206.8M |
| Rayville - Louisa St Banking Center Branch | Rayville , LA | 71269 | $198.8M |
| Deridder Banking Cener Branch | Deridder , LA | 70634 | $172.6M |
| Metairie Banking Center Branch | Metairie , LA | 70001 | $167.8M |
| Frisco Banking Center Branch | Frisco , TX | 75034 | $157.1M |
| Eunice Banking Center Branch | Eunice , LA | 70535 | $138.4M |
| West Monroe Banking Center Branch | West Monroe , LA | 71291 | $117.9M |
| Snyder Branch | Snyder , TX | 79549 | $109.0M |
| Grand Lake Banking Center Branch | Lake Charles , LA | 70607 | $93.6M |
| Baton Rouge Highland Road Branch | Baton Rouge , LA | 70809 | $87.0M |
| Baton Rouge - Coursey Blvd Banking Center Branch | Baton Rouge , LA | 70816 | $83.9M |
| Fern Avenue Financial Center | Shreveport , LA | 71105 | $83.6M |
| West University Branch | Houston , TX | 77005 | $82.9M |
| Rosenberg Branch | Rosenberg , TX | 77471 | $77.8M |
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 |
|---|---|---|---|
| January 1, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2026 | Structure Change | Acquired Progressive Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 2024 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2024 | Structure Change | Acquired Oakwood Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 1, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 1, 2022 | Structure Change | Acquired Texas Citizens Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 1, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 2020 | Structure Change | Acquired Pedestal Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 1, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 2018 | Structure Change | Acquired Richland State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2018 | Structure Change | Acquired MBL Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2015 | Structure Change | Acquired American Gateway Bank 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 14 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 4.3% of deposits in LA, rank 6 of 118 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 915 applications, 728 loans originated, $300.9M originated, across 11 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 49 loans, $55.2M approved, $1.1M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about b1BANK
What are b1BANK's total assets?
As of the Q2 2026 filing, b1BANK reported total assets of $8.89 billion in its FFIEC call report.
Where is b1BANK headquartered?
It is headquartered in Baton Rouge, LA, United States.
When was b1BANK founded?
It was established in 2006, per the FDIC institution directory.
Is b1BANK FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58228). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates b1BANK?
b1BANK's primary federal regulator is the FDIC.
What is b1BANK's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.33% in its Q2 2026 call report, above regulatory requirements.
How many branches does b1BANK operate?
It operates 63 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is b1BANK's Texas Ratio?
Its Texas Ratio is 10.66% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was b1BANK previously called?
The charter now named b1BANK has also operated as Business First Bank (2015-2019), per FDIC structure-change records.
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