Bom Bank
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Data as of · sourced from FFIEC call reports. How we update
Bom Bank is an FDIC-insured commercial bank headquartered in Natchitoches, LA, established in 1903 (FDIC certificate 1373), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.61B, up 16.4% from Q2 2025, the 8th largest of 102 banks headquartered in Louisiana. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.64% 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
- 1373
- Headquarters
- Natchitoches, LA
- Established
- 1903
- Total assets, Q2 2026
- $1.61B
- Assets vs Q2 2025
- +16.4%
- Tier 1 leverage ratio, Q2 2026
- 10.64%
- Domestic offices
- 26 FDIC institution directory, current count
- Routing number
- 111102114
- Holding company
- GRANT BANCSHARES, INC.
- Asset rank in state
- 8th of 102 in Louisiana
Bom Bank, based in Natchitoches, Louisiana, reported $1.6 billion in assets at June 30, 2026, up 16.4% from a year earlier. It holds about half of its deposits (52%) above the FDIC insurance limit, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 30.9%). It also grew deposits 18.2% over the year, 3.6 times the median of 5.1% for banks its size.
Earnings fell sharply: quarterly net income of $3.0 million was 49% below a year earlier. Its $160 million commercial and industrial book is improving, with 2.49% past due or on nonaccrual, down from 4.69% a year earlier. Costs are the weak spot: it spends about 73 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 58 cents).
As of June 30, 2026, Bom Bank reported a return on assets of 0.76%, a nonperforming-loan ratio of 0.86% and a Texas ratio of 6.69%. The figures come from its call report filed with the FFIEC.
Of the 102 banks headquartered in Louisiana, Bom Bank is the 8th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 5.7% to $1.61B, loans rose 4.8% and deposits rose 4.6%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 25.3% of total loans, followed by owner-occupied commercial real estate loans at 21.4%. The FDIC Summary of Deposits lists 26 offices for it, in 20 cities across 2 states; its Natchitoches 3 offices book 61% of its branch deposits. Judged on its Q2 2026 call report, Bom Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 814 Washington St, Natchitoches, LA 71457
- County
- Natchitoches
- Metro Area
- Natchitoches, 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 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- October 5, 1903
- Domestic offices
- 26 FDIC institution directory, current count
- Employees (FTE)
- 239
- Domestic deposits
- $1.38B
- Allowance for credit losses
- $9.2M
- Net charge-offs (YTD)
- $1.2M
- Average total assets
- $1.56B
- Average total loans
- $1.18B
- Average interest-bearing deposits
- $1.12B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1373
- Fed RSSD
- 684455
- SEC CIK
- 1657076 → filed by GRANT BANCSHARES, INC.
- Website
- www.bofm.com →
- Parent Holding Company
- GRANT BANCSHARES, INC. (RSSD 3203138)
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, Bom Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Bom Bank's total assets moved between a low of $966.2M (Q3 2023) and a high of $1.61B (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
$1.61B total assets against $1.38B; $1.44B total liabilities against $1.23B.
$1.20B net loans and leases against $1.03B; $1.38B total deposits against $1.17B.
$186.3M securities against $195.1M; $97.5M cash and balances due against $39.8M.
$22.8M total interest income against $21.4M; $8.2M total interest expense against $7.8M.
$14.7M net interest income against $13.6M.
$1.0M total noninterest income against $5.3M; $11.6M total noninterest expense against $10.9M.
$538K provision for credit losses against $500K.
$3.0M net income against $5.8M.
0.76% return on assets against 1.66%; 4.11% net interest margin against 4.27%.
10.64% tier 1 leverage ratio against 11.31%.
Inside the full Bom 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.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios. BankRegReports early-warning band.
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.
Bom Bank rankings
Its closest position to the top of a national ranking is 78 of 980, for uninsured deposits; its furthest is 2,952 of 3,611, for ROA.
Metric pages for Bom Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.15% (Q4 2024) to 1.68% (Q1 2025) and its net interest margin ran from 3.31% (Q4 2024) to 4.42% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.64% | 0.76% | 0.86% | 6.69% | 4.11% |
| Q1 2026 | 10.97% | 1.28% | 1.24% | 9.07% | 4.06% |
| Q4 2025 | 10.80% | 0.32% | 1.18% | 10.06% | 4.30% |
| Q3 2025 | 11.29% | 1.35% | 1.43% | 5.20% | 4.42% |
| Q2 2025 | 11.31% | 1.66% | 1.59% | 4.87% | 4.27% |
| Q1 2025 | 11.12% | 1.68% | 1.80% | 4.99% | 3.77% |
| Q4 2024 | 10.65% | 0.15% | 1.47% | 3.99% | 3.31% |
| Q3 2024 | 12.12% | 1.65% | 1.08% | 6.82% | 3.85% |
Swipe the table sideways to see every column.
Branch Network
View all 26 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 |
|---|---|---|---|
| Bom Bank (main office) | Natchitoches , LA | 71457 | $695.4M |
| Many Branch | Many , LA | 71449 | $87.6M |
| Keyser Branch | Natchitoches , LA | 71457 | $73.0M |
| University Branch | Natchitoches , LA | 71457 | $69.5M |
| Hemphill Branch | Hemphill , TX | 75948 | $54.6M |
| Ringgold Branch | Ringgold , LA | 71068 | $49.3M |
| Lufkin Branch | Lufkin , TX | 75904 | $38.6M |
| Haslam Branch | Joaquin , TX | 75954 | $37.4M |
| Derry Branch | Derry , LA | 71416 | $26.2M |
| Wimbledon Branch | Alexandria , LA | 71301 | $24.8M |
| Montgomery Branch | Montgomery , LA | 71454 | $22.6M |
| Huntington Branch | Huntington , TX | 75949 | $21.5M |
| Kingsville Branch | Pineville , LA | 71360 | $21.0M |
| Conroe Branch | Conroe , TX | 77304 | $20.1M |
| Fern Ave Branch | Shreveport , LA | 71105 | $19.8M |
| Haughton Branch | Haughton , LA | 71037 | $17.5M |
| Center Branch | Center , TX | 75935 | $17.3M |
| Benton Branch | Benton , LA | 71006 | $14.8M |
| Coliseum Branch | Alexandria , LA | 71303 | $14.8M |
| Chester Branch | Chester , TX | 75936 | $14.7M |
| Mac Lee Branch | Alexandria , LA | 71302 | $13.6M |
| Youree Drive Branch | Shreveport , LA | 71105 | $9.8M |
| Castor Branch | Castor , LA | 71016 | $8.9M |
| Timpson Branch | Timpson , TX | 75975 | $7.2M |
| Woodworth Branch | Woodworth , LA | 71485 | $4.5M |
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 |
|---|---|---|---|
| November 16, 2024 | Structure Change | Acquired American State Bank Sale of Assets for the acquired bank | FFIEC NIC |
| October 1, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2019 | Structure Change | Acquired First State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2016 | Structure Change | Acquired Bank of Ringgold 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 5 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.9% of deposits in LA, rank 18 of 118 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 235 applications, 188 loans originated, $53.5M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 4 loans, $5.2M approved, $1.3M 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 Bom Bank
What are Bom Bank's total assets?
As of the Q2 2026 filing, Bom Bank reported total assets of $1.61 billion in its FFIEC call report.
Where is Bom Bank headquartered?
It is headquartered in Natchitoches, LA, United States.
When was Bom Bank founded?
It was established in 1903, per the FDIC institution directory.
Is Bom Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1373). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bom Bank?
Bom Bank's primary federal regulator is the FDIC.
How many branches does Bom Bank operate?
It operates 26 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bom Bank's Texas Ratio?
Its Texas Ratio is 6.69% 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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