Bank of Erath
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Data as of · sourced from FFIEC call reports. How we update
Bank of Erath is an FDIC-insured commercial bank headquartered in Erath, LA, established in 1910 (FDIC certificate 8532), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $105.3M, down 0.6% from Q2 2025, the 91st largest of 102 banks headquartered in Louisiana. It reports no CET1 ratio; its Tier 1 leverage ratio was 14.39% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 8532
- Headquarters
- Erath, LA
- Established
- 1910
- Total assets, Q2 2026
- $105.3M
- Assets vs Q2 2025
- -0.6%
- Tier 1 leverage ratio, Q2 2026
- 14.39%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 065201750
- Latest call report
- Q2 2026, FFIEC 041 · Bank of Erath call report
- Holding company
- BANK OF ERATH HOLDING COMPANY
- Asset rank in state
- 91st of 102 in Louisiana
Bank of Erath spends more to run itself than most banks of its size. Based in Erath, Louisiana, it had $105 million in assets at June 30, 2026. It loses about $0.07 a year on every $100 of assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). It also spends about 98 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 1.42% of loans from 4.19%. It lost $19,000 in the quarter.
As of June 30, 2026, Bank of Erath reported a return on assets of -0.07%, a nonperforming-loan ratio of 1.42% and a Texas ratio of 4.12%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Bank of Erath is the 91st largest of the 102 banks headquartered in Louisiana. Between Q1 2026 and Q2 2026, its total assets fell 3.0% to $105.3M, loans rose 1.5% and deposits fell 3.5%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 38.1% of total loans, followed by non-owner-occupied commercial real estate loans at 18.4%. Its 3 offices in the FDIC Summary of Deposits are in Erath, LA, Abbeville, LA and Delcambre, LA; its Erath office books 47% of its branch deposits. Judged on its Q2 2026 call report, Bank of Erath meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 105 W Edward St, Erath, LA 70533
- County
- Vermilion
- Metro Area
- Lafayette, 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
- January 1, 1910
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 27
- Domestic deposits
- $90.2M
- Allowance for credit losses
- $697K
- Net charge-offs (YTD)
- -$3K
- Average total assets
- $107.5M
- Average total loans
- $43.1M
- Average interest-bearing deposits
- $53.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8532
- Fed RSSD
- 399731
- Website
- www.bankoferath.com →
- Parent Holding Company
- BANK OF ERATH HOLDING COMPANY (RSSD 4125152)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Bank of Erath reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Bank of Erath's total assets ran between $105.3M (Q2 2026) and $114.6M (Q4 2023), and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$105.3M total assets against $105.9M; $91.1M total liabilities against $92.1M.
$42.8M net loans and leases against $55.5M; $90.2M total deposits against $91.4M.
$32.9M securities against $27.3M; $25.2M cash and balances due against $18.3M.
$1.3M total interest income against $1.3M; $249K total interest expense against $245K.
$1.0M net interest income against $1.1M.
$40K total noninterest income against $124K; $1.1M total noninterest expense against $972K.
No provision recorded in the last 12 quarters.
-$19K net income against $189K.
-0.07% return on assets against 0.71%; 4.13% net interest margin against 4.29%.
14.39% tier 1 leverage ratio against 14.33%.
Inside the full Bank of Erath terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBank of Erath rankings
Its closest position to the top of a national ranking is 1,542 of 3,640, for Texas Ratio; its furthest is 3,539 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.62% (Q3 2025) to 2.19% (Q4 2025) and its net interest margin ran from 3.86% (Q1 2025) to 4.96% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.39% | -0.07% | 1.42% | 4.12% | 4.13% |
| Q1 2026 | 14.28% | 0.43% | 0.22% | 1.35% | 4.14% |
| Q4 2025 | 14.25% | 2.19% | 0.39% | 13.60% | 4.96% |
| Q3 2025 | 14.13% | -0.62% | 2.71% | 16.09% | 4.42% |
| Q2 2025 | 14.33% | 0.71% | 4.19% | 16.36% | 4.29% |
| Q1 2025 | 13.62% | 0.41% | 4.65% | 17.93% | 3.86% |
| Q4 2024 | 13.56% | 0.65% | 4.67% | 18.83% | 4.01% |
| Q3 2024 | 13.81% | 0.54% | 4.47% | 18.70% | 3.99% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 |
|---|---|---|---|
| Bank of Erath (main office) | Erath , LA | 70533 | $42.4M |
| Abbeville Branch | Abbeville , LA | 70510 | $34.0M |
| Delcambre Branch | Delcambre , LA | 70528 | $13.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in LA, rank 102 of 118 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 7 loans, $1.2M approved, $165K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2011 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 Bank of Erath
What are Bank of Erath's total assets?
As of the Q2 2026 filing, Bank of Erath reported total assets of $105.3 million in its FFIEC call report.
Where is Bank of Erath headquartered?
It is headquartered in Erath, LA, United States.
When was Bank of Erath founded?
It was established in 1910, per the FDIC institution directory.
Is Bank of Erath FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #8532). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Erath?
Bank of Erath's primary federal regulator is the FDIC.
How many branches does Bank of Erath operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of Erath's Texas Ratio?
Its Texas Ratio is 4.12% 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.
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