Bank of St. Francisville
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Data as of · sourced from FFIEC call reports. How we update
Bank of St. Francisville is an FDIC-insured commercial bank headquartered in Saint Francisville, LA, established in 1978 (FDIC certificate 22739), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $398.7M, up 4.5% from Q2 2025, the 49th largest of 102 banks headquartered in Louisiana. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.87% 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
- 22739
- Headquarters
- Saint Francisville, LA
- Established
- 1978
- Total assets, Q2 2026
- $398.7M
- Assets vs Q2 2025
- +4.5%
- Tier 1 leverage ratio, Q2 2026
- 9.87%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 065202694
- Latest call report
- Q2 2026, FFIEC 051 · Bank of St. Francisville Q3 2026 call report, filed October 14, 2026 (preliminary)
- Holding company
- SAINT FRANCISVILLE BANCSHARES, INC.
- Asset rank in state
- 49th of 102 in Louisiana
Little in Bank of St. Francisville's latest call report stands out. Its balance sheet stood at $399 million at June 30, 2026, up 4.5% from a year earlier; it is based in Saint Francisville, Louisiana. On most measures it sits near the middle of the 2,660 banks with $100 million to $1 billion in assets.
Net income for the quarter rose 14% from a year earlier, to $1.4 million. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.81% of loans, down from 0.95% a year earlier.
As of June 30, 2026, Bank of St. Francisville reported a return on assets of 1.35%, a nonperforming-loan ratio of 0.81% and a Texas ratio of 6.12%. The figures come from its call report filed with the FFIEC.
Bank of St. Francisville ranks as the 49th largest of the 102 banks based in Louisiana, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.2% to $398.7M, loans rose 2.2% and deposits fell 0.1%. 1-4 family residential loans made up 38.4% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 19.8%. Its 2 offices in the FDIC Summary of Deposits are in Saint Francisville, LA and Baton Rouge, LA; its Saint Francisville office books 76% of its branch deposits. By the capital ratios in its Q2 2026 call report, Bank of St. Francisville meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 5700 Commerce St, Saint Francisville, LA 70775
- County
- West Feliciana
- 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 051
- Established
- October 30, 1978
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 60
- Domestic deposits
- $346.0M
- Allowance for credit losses
- $4.0M
- Net charge-offs (YTD)
- -$42K
- Average total assets
- $400.6M
- Average total loans
- $301.6M
- Average interest-bearing deposits
- $245.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 30, 1978
- FDIC Cert
- 22739
- Fed RSSD
- 364430
- SEC CIK
- 1929272 → filed by SAINT FRANCISVILLE BANCSHARES, INC.
- Website
- http://www.bsf.net →
- Parent Holding Company
- SAINT FRANCISVILLE BANCSHARES, INC. (RSSD 1082544)
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 St. Francisville reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Bank of St. Francisville's total assets moved between a low of $301.8M (Q3 2023) and a high of $398.7M (Q2 2026) from Q3 2023 to Q2 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
$398.7M total assets against $381.5M; $360.1M total liabilities against $346.0M.
$298.8M net loans and leases against $279.5M; $346.0M total deposits against $327.9M.
$48.7M securities against $38.6M; $37.2M cash and balances due against $52.5M.
$6.0M total interest income against $5.8M; $1.8M total interest expense against $2.1M.
$4.2M net interest income against $3.7M.
$210K total noninterest income against $250K; $2.8M total noninterest expense against $2.7M.
$235K provision for credit losses against $105K.
$1.4M net income against $1.2M.
1.35% return on assets against 1.25%; 4.32% net interest margin against 4.00%.
9.87% tier 1 leverage ratio against 9.58%.
Inside the full Bank of St. Francisville terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBank of St. Francisville rankings
Its closest position to the top of a national ranking is 1,101 of 3,640, for Texas Ratio; its furthest is 2,203 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.08% (Q4 2025) to 1.64% (Q1 2026) and its net interest margin ran from 3.67% (Q3 2024) to 4.47% (Q1 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.87% | 1.35% | 0.81% | 6.12% | 4.32% |
| Q1 2026 | 10.24% | 1.64% | 0.59% | 4.48% | 4.47% |
| Q4 2025 | 10.13% | 1.08% | 0.83% | 6.23% | 4.22% |
| Q3 2025 | 9.85% | 1.52% | 0.96% | 6.59% | 4.05% |
| Q2 2025 | 9.58% | 1.25% | 0.95% | 6.92% | 4.00% |
| Q1 2025 | 9.68% | 1.39% | 1.07% | 7.53% | 4.06% |
| Q4 2024 | 9.17% | 1.36% | 1.38% | 10.40% | 3.70% |
| Q3 2024 | 9.31% | 1.22% | 1.47% | 10.89% | 3.67% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 St. Francisville (main office) | Saint Francisville , LA | 70775 | $264.0M |
| Bank of St Francisville Branch | Baton Rouge , LA | 70808 | $81.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in LA, rank 59 of 118 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 85 applications, 62 loans originated, $26.9M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $1.6M approved, $1.6M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (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 Bank of St. Francisville
What are Bank of St. Francisville's total assets?
As of the Q2 2026 filing, Bank of St. Francisville reported total assets of $398.7 million in its FFIEC call report.
Where is Bank of St. Francisville headquartered?
It is headquartered in Saint Francisville, LA, United States.
When was Bank of St. Francisville founded?
It was established in 1978, per the FDIC institution directory.
Is Bank of St. Francisville FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #22739). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of St. Francisville?
Bank of St. Francisville's primary federal regulator is the FDIC.
How many branches does Bank of St. Francisville operate?
It operates 2 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 St. Francisville's Texas Ratio?
Its Texas Ratio is 6.12% 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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