Bank Safety Analysis
Is b1BANK Safe? Baton Rouge, Louisiana
Based on its Q2 2026 call report, b1BANK meets every capital ratio test for well capitalized, its Texas ratio is 10.66%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer
On its Q2 2026 call report, b1BANK's CET1 ratio is 12.33%, above the 6.5% well-capitalized threshold.
- CET1 ratio (Q2 2026): 12.33%
- Tier 1 leverage ratio (Q2 2026): 10.91%
- Texas ratio (Q2 2026): 10.66%
- Noncurrent loans ratio (Q2 2026): 1.26%
b1BANK is an FDIC-insured commercial bank (FDIC Certificate #58228). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Context: largest US bank failures · what these ratios mean · how we score.
b1BANK passes all 5 scorecard dimensions, but not every risk screen below is clear. 1 risk screen is flagged: commercial real estate to capital. Analysis based on the Q2 2026 call report.
Nonperforming loan ratio (nonaccrual plus 90+ days past due) fell 0.27 percentage points from Q1 2026 to Q2 2026, ending at 1.26% against 1.53%. It was the largest change among the key lines on this page. b1BANK has the 4th lowest CET1 ratio of the 45 banks headquartered in Louisiana, at 12.33% as of Q2 2026. The median for banks in the $1B-10B asset tier is 13.49% on CET1 ratio. b1BANK sits 1.17 points lower, at 12.33% (Q2 2026). From Q3 2023 to Q2 2026, b1BANK's CET1 ratio ranged between 11.60% (Q4 2024) and 12.33% (Q2 2026) and its Texas ratio ranged between 2.78% (Q4 2023) and 12.51% (Q1 2026). Between Q2 2025 and Q2 2026, b1BANK's CET1 ratio rose from 12.02% to 12.33%, nonperforming loan ratio (nonaccrual plus 90+ days past due) rose from 0.97% to 1.26%, Texas ratio rose from 6.71% to 10.66% and return on assets fell from 1.25% to 1.20%.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating. Held-out test AUC 0.910 for the 1-year horizon (v20261026_025757). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. The risk tier comes from the composite score; the 12-month figure rounds to zero for this bank, so it is not shown beside a tier above Low. See the methodology. This is not investment advice or a credit rating.
Scorecard by dimension
Peer cohort: $1B to $10B (941 banks) · Industry averages as of Q2 2026.
CET1 of 12.33% sits comfortably above the 6.5% well-capitalized threshold under Prompt Corrective Action and the 7.0% level required once the capital conservation buffer is included.
Tier 1 leverage of 10.91% is above the 5% well-capitalized threshold.
Nonperforming loans at 1.26% are within industry-normal range.
Texas Ratio of 10.7% is well below the 100% historical failure threshold.
Efficiency ratio of 60.4% reflects competitive operating costs (lower is better).
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | 12.33% | Flags below 7% | Within range |
| Texas ratio BankRegReports band | 10.66% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 1.26% | Flags at 3% or above | Within range |
| Uninsured deposit share BankRegReports band | 46.68% | Watch at 50%, concern at 70% | Within range |
| Loan-to-deposit ratio BankRegReports band | 91.62% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 254.76% | Watch at 200%, concern at 300% | Flagged |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2026 | 12.33% |
| Q1 2026 | 11.96% |
| Q4 2025 | 12.02% |
| Q3 2025 | 12.28% |
| Q2 2025 | 12.02% |
| Q1 2025 | 12.04% |
| Q4 2024 | 11.60% |
| Q3 2024 | 12.00% |
| Q2 2024 | 11.79% |
| Q1 2024 | 11.73% |
| Q4 2023 | 11.69% |
| Q3 2023 | 11.63% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 10.66% |
| Q1 2026 | 12.51% |
| Q4 2025 | 9.73% |
| Q3 2025 | 7.13% |
| Q2 2025 | 6.71% |
| Q1 2025 | 4.30% |
| Q4 2024 | 3.22% |
| Q3 2024 | 3.38% |
| Q2 2024 | 3.47% |
| Q1 2024 | 3.38% |
| Q4 2023 | 2.78% |
| Q3 2023 | 2.80% |
b1BANK by quarter
| Quarter end | CET1 | NPL ratio | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | 12.33% | 1.26% | 10.66% | 1.20% |
| Mar 31, 2026 | 11.96% | 1.53% | 12.51% | 1.18% |
| Dec 31, 2025 | 12.02% | 1.24% | 9.73% | 1.25% |
| Sep 30, 2025 | 12.28% | 0.82% | 7.13% | 1.29% |
| Jun 30, 2025 | 12.02% | 0.97% | 6.71% | 1.25% |
| Mar 31, 2025 | 12.04% | 0.69% | 4.30% | 1.14% |
| Dec 31, 2024 | 11.60% | 0.42% | 3.22% | 0.95% |
| Sep 30, 2024 | 12.00% | 0.50% | 3.38% | 1.16% |
| Jun 30, 2024 | 11.79% | 0.43% | 3.47% | 1.15% |
| Mar 31, 2024 | 11.73% | 0.43% | 3.38% | 0.95% |
| Dec 31, 2023 | 11.69% | 0.34% | 2.78% | 1.12% |
| Sep 30, 2023 | 11.63% | 0.33% | 2.80% | 1.37% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is b1BANK FDIC insured?
Yes. b1BANK is an FDIC-insured commercial bank (FDIC Certificate #58228). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is b1BANK well capitalized?
On its Q2 2026 call report, b1BANK's CET1 ratio is 12.33%, above the 6.5% well-capitalized threshold. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the FDIC, applies.
What are b1BANK's key safety ratios?
For Q2 2026, b1BANK reports CET1 12.33%, leverage 10.91%, Texas ratio 10.66%, noncurrent loans 1.26%. The Texas ratio compares problem assets with tangible equity plus reserves; above 100% has historically signaled elevated failure risk.
What happens to my deposits if b1BANK fails?
Insured deposits are protected up to $250,000 per depositor, per insured bank, per ownership category. If an insured bank fails, the FDIC pays insured depositors as soon as possible, usually the next business day.
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Free to use. It shows b1BANK’s latest filed figures and updates each quarter.
Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 58228) · FFIEC NIC profile (RSSD 3408728)
Explore: Full b1BANK profile · Other banks in LA · Metric glossary · How the call report works