Beauregard Federal Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
Beauregard Federal Savings Bank is an FDIC-insured savings institution headquartered in Deridder, LA, established in 1948 (FDIC certificate 30339), and it is supervised by the OCC. At Q2 2026 it reported total assets of $106.4M, up 22.4% from Q2 2025, the 90th largest of 102 banks headquartered in Louisiana. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.70% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 30339
- Headquarters
- Deridder, LA
- Established
- 1948
- Total assets, Q2 2026
- $106.4M
- Assets vs Q2 2025
- +22.4%
- Tier 1 leverage ratio, Q2 2026
- 9.70%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 265270196
- Latest call report
- Q2 2026, FFIEC 051 · Beauregard Federal Savings Bank call report
- Holding company
- HOMELAND BANCSHARES, INC.
- Asset rank in state
- 90th of 102 in Louisiana
Beauregard Federal Savings Bank is growing quickly. It reported $106 million in assets at June 30, 2026, up 22.4% from a year earlier. It carries problem assets equal to 27.3% of the capital and reserves that would absorb them, 10.3 times the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. It also grew its loan book 26.0% over the year, 4.7 times the median of 5.5% for banks its size.
Earnings jumped: net income for the quarter was $278,000, 167% above the same quarter a year earlier. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 3.36% of loans, down from 5.18% a year earlier. Funding is the softer spot: it pays an average of 2.36% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, Beauregard Federal Savings Bank reported a return on assets of 1.06%, a nonperforming-loan ratio of 3.36% and a Texas ratio of 27.33%. The figures come from its call report filed with the FFIEC.
Beauregard Federal Savings Bank ranks as the 90th largest of the 102 banks based in Louisiana, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.7% to $106.4M, loans rose 6.2% and deposits rose 3.1%. 1-4 family residential loans made up 53.1% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 10.8%. Its 2 offices in the FDIC Summary of Deposits are in Deridder, LA. Judged on its Q2 2026 call report, Beauregard Federal Savings Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 122 Jefferson Ave, Deridder, LA 70634
- County
- Beauregard
- Metro Area
- Deridder, LA
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- —
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 23, 1948
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 18
- Domestic deposits
- $84.9M
- Allowance for credit losses
- $672K
- Net charge-offs (YTD)
- $13K
- Average total assets
- $105.2M
- Average total loans
- $81.0M
- Average interest-bearing deposits
- $86.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 30339
- Fed RSSD
- 123374
- SEC CIK
- 1932163 → filed by HOMELAND BANCSHARES, INC.
- Website
- www.beauregardfederal.com →
- Parent Holding Company
- HOMELAND BANCSHARES, INC. (RSSD 3816547)
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, Beauregard Federal Savings Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Beauregard Federal Savings Bank's total assets ranged from $73.1M (Q1 2024) to $106.4M (Q2 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$106.4M total assets against $86.9M; $94.3M total liabilities against $75.7M.
$82.5M net loans and leases against $65.3M; $84.9M total deposits against $66.3M.
$14.1M securities against $13.9M; $4.3M cash and balances due against $2.4M.
$1.7M total interest income against $1.3M; $533K total interest expense against $378K.
$1.2M net interest income against $937K.
$39K total noninterest income against $30K; $869K total noninterest expense against $855K.
$65K provision for credit losses against $8K.
$278K net income against $104K.
1.06% return on assets against 0.50%; 4.74% net interest margin against 4.88%.
9.70% tier 1 leverage ratio against 10.95%.
Inside the full Beauregard Federal Savings Bank 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.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Beauregard Federal Savings Bank rankings
Its closest position to the top of a national ranking is 75 of 3,640, for Texas Ratio; its furthest is 3,622 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.48% (Q1 2025) to 1.53% (Q4 2025) and its net interest margin ran from 4.47% (Q3 2025) to 5.28% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.70% | 1.06% | 3.36% | 27.33% | 4.74% |
| Q1 2026 | 9.77% | 1.21% | 2.38% | 19.03% | 4.96% |
| Q4 2025 | 10.04% | 1.53% | 2.85% | 23.68% | 5.28% |
| Q3 2025 | 9.95% | 0.57% | 4.27% | 34.54% | 4.47% |
| Q2 2025 | 10.95% | 0.50% | 5.18% | 37.33% | 4.88% |
| Q1 2025 | 11.15% | 0.48% | 3.89% | 25.20% | 4.65% |
| Q4 2024 | 11.13% | 0.96% | 4.10% | 25.77% | 5.22% |
| Q3 2024 | 10.91% | 1.14% | 5.26% | 33.39% | 4.99% |
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 |
|---|---|---|---|
| Beauregard Federal Savings Bank (main office) | Deridder , LA | 70634 | $63.6M |
| 522 N. Pine Street Branch | Deridder , LA | 70634 | $21.4M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC); 6 against individuals associated with it
- September 30, 2019, OCC: Formal Agreement: Beauregard FSB
- Period: Most recent institution action September 30, 2019. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in LA, rank 104 of 118 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Mortgage lending (HMDA), SBA 7(a) lending, 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 Beauregard Federal Savings Bank
What are Beauregard Federal Savings Bank's total assets?
As of the Q2 2026 filing, Beauregard Federal Savings Bank reported total assets of $106.4 million in its FFIEC call report.
Where is Beauregard Federal Savings Bank headquartered?
It is headquartered in Deridder, LA, United States.
When was Beauregard Federal Savings Bank founded?
It was established in 1948, per the FDIC institution directory.
Is Beauregard Federal Savings Bank FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #30339). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Beauregard Federal Savings Bank?
Beauregard Federal Savings Bank's primary federal regulator is the OCC.
How many branches does Beauregard Federal Savings Bank 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 Beauregard Federal Savings Bank's Texas Ratio?
Its Texas Ratio is 27.33% 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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