Currency Bank
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Data as of · sourced from FFIEC call reports. How we update
Currency Bank is an FDIC-insured commercial bank headquartered in Oak Grove, LA, established in 1999 (FDIC certificate 35019), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $248.5M, down 4.8% from Q2 2025, the 67th largest of 102 banks headquartered in Louisiana. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.38% 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
- 35019
- Headquarters
- Oak Grove, LA
- Established
- 1999
- Total assets, Q2 2026
- $248.5M
- Assets vs Q2 2025
- -4.8%
- Tier 1 leverage ratio, Q2 2026
- 13.38%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 111105331
- Holding company
- AXXESS PARTNERS, INC.
- Asset rank in state
- 67th of 102 in Louisiana
Currency Bank is one of the more profitable banks of its size. Its balance sheet stood at $249 million at June 30, 2026, down 4.8% from a year earlier; it is based in Oak Grove, Louisiana. It earns about $2.62 a year on every $100 of assets, about double the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 44 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 61 cents).
Loans and deposits moved in opposite directions: over the year loans rose 17.4% and deposits fell 9.4%. Delinquency has appeared in its $30 million non-owner-occupied commercial real estate book: 5.71% of those loans are past due or on nonaccrual, against almost none a year earlier.
As of June 30, 2026, Currency Bank reported a return on assets of 2.62%, a nonperforming-loan ratio of 0.14% and a Texas ratio of 0.77%. The figures come from its call report filed with the FFIEC.
Of the 102 banks headquartered in Louisiana, Currency Bank is the 67th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.2% to $248.5M, loans rose 6.8% and deposits fell 2.9%. Its loan book on June 30, 2026 was led by commercial and industrial loans, at 35.7% of total loans, followed by non-owner-occupied commercial real estate loans at 15.7%. Its 4 offices in the FDIC Summary of Deposits are in Baton Rouge, LA, Oak Grove, LA and Kaplan, LA; its Baton Rouge office books 51% of its branch deposits. By the capital ratios in its Q2 2026 call report, Currency Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 7054 Jefferson Hwy, Oak Grove, LA 70806
- County
- East Baton Rouge
- 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 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- August 2, 1999
- Former names
- Commerce Community Bank (2013-2021)
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 37
- Domestic deposits
- $203.2M
- Allowance for credit losses
- $2.9M
- Net charge-offs (YTD)
- -$42K
- Average total assets
- $249.9M
- Average total loans
- $184.8M
- Average interest-bearing deposits
- $167.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 2, 1999
- FDIC Cert
- 35019
- Fed RSSD
- 2807173
- SEC CIK
- 1861567 → filed by AXXESS PARTNERS, INC.
- Website
- www.currency.bank →
- Parent Holding Company
- AXXESS PARTNERS, INC. (RSSD 5585306)
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, Currency Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Currency Bank's total assets moved between a low of $175.5M (Q3 2023) and a high of $261.2M (Q2 2025) 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
$248.5M total assets against $261.2M; $209.1M total liabilities against $225.1M.
$189.0M net loans and leases against $160.7M; $203.2M total deposits against $224.4M.
$23.5M securities against $31.9M; $13.8M cash and balances due against $54.7M.
$3.8M total interest income against $3.6M; $1.1M total interest expense against $1.2M.
$2.7M net interest income against $2.4M.
$1.2M total noninterest income against $145K; $1.9M total noninterest expense against $1.8M.
$0 provision for credit losses against $135K.
$1.6M net income against $471K.
2.62% return on assets against 0.75%; 4.71% net interest margin against 4.22%.
13.38% tier 1 leverage ratio against 11.60%.
Inside the full Currency Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCurrency Bank rankings
Its closest position to the top of a national ranking is 133 of 3,611, for ROA; its furthest is 2,813 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.75% (Q2 2025) to 2.62% (Q2 2026) and its net interest margin ran from 3.83% (Q4 2024) to 4.71% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.38% | 2.62% | 0.14% | 0.77% | 4.71% |
| Q1 2026 | 12.78% | 1.25% | 0.19% | 1.02% | 4.38% |
| Q4 2025 | 12.33% | 1.12% | 0.12% | 0.62% | 4.28% |
| Q3 2025 | 11.84% | 1.07% | 0.82% | 4.45% | 4.13% |
| Q2 2025 | 11.60% | 0.75% | 0.31% | 1.67% | 4.22% |
| Q1 2025 | 15.88% | 0.99% | 0.15% | 0.61% | 3.86% |
| Q4 2024 | 15.62% | 1.02% | 0.16% | 0.63% | 3.83% |
| Q3 2024 | 16.03% | 1.19% | 0.14% | 0.60% | 4.14% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 |
|---|---|---|---|
| Currency Bank (main office) | Baton Rouge , LA | 70806 | $102.8M |
| Oak Grove Branch | Oak Grove , LA | 71263 | $50.5M |
| Kaplan Banking Center Branch | Kaplan , LA | 70548 | $49.9M |
| Kaplan Drive Thru Banking Center Branch | Kaplan , LA | 70548 | $0 |
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 |
|---|---|---|---|
| December 14, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 14, 2013 | Structure Change | Acquired The Eudora Bank 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 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in LA, rank 79 of 118 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $70K approved, $70K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1996 (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 Currency Bank
What are Currency Bank's total assets?
As of the Q2 2026 filing, Currency Bank reported total assets of $248.5 million in its FFIEC call report.
Where is Currency Bank headquartered?
It is headquartered in Oak Grove, LA, United States.
When was Currency Bank founded?
It was established in 1999, per the FDIC institution directory.
Is Currency Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #35019). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Currency Bank?
Currency Bank's primary federal regulator is the FDIC.
How many branches does Currency Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Currency Bank's Texas Ratio?
Its Texas Ratio is 0.77% 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.
What was Currency Bank previously called?
The charter now named Currency Bank has also operated as Commerce Community Bank (2013-2021), per FDIC structure-change records.
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