Fifth District Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
Fifth District Savings Bank is an FDIC-insured savings institution headquartered in New Orleans, LA, established in 1926 (FDIC certificate 27697), and it is supervised by the OCC. At Q2 2026 it reported total assets of $531.8M, down 1.4% from Q2 2025, the 40th largest of 102 banks headquartered in Louisiana. Its CET1 capital ratio was 38.90% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 27697
- Headquarters
- New Orleans, LA
- Established
- 1926
- Total assets, Q2 2026
- $531.8M
- Assets vs Q2 2025
- -1.4%
- CET1 ratio, Q2 2026
- 38.90%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 265070545
- Latest call report
- Q2 2026, FFIEC 041 · Fifth District Savings Bank call report
- Holding company
- FIFTH DISTRICT BANCORP, INC.
- Asset rank in state
- 40th of 102 in Louisiana
Fifth District Savings Bank spends more to run itself than most banks of its size. Its balance sheet stood at $532 million at June 30, 2026, down 1.4% from a year earlier; it is based in New Orleans, Louisiana. It earns about $0.34 a year on every $100 of assets, a small fraction of the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 85 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Earnings fell sharply: quarterly net income of $460,000 was 85% below a year earlier. Over the same year, loans grew 3.6% and deposits shrank 2.3%. Its margin is thin by comparison: it keeps 2.77 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.95 cents).
As of June 30, 2026, Fifth District Savings Bank reported a CET1 capital ratio of 38.90%, a return on assets of 0.34%, a nonperforming-loan ratio of 0.09% and a Texas ratio of 0.34%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Fifth District Savings Bank is the 40th largest of the 102 banks headquartered in Louisiana. Between Q1 2026 and Q2 2026, its total assets fell 0.7% to $531.8M, loans rose 1.3% and deposits fell 1.0%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 84.2% of total loans, ahead of construction and land development loans at 5.7%. The FDIC Summary of Deposits lists 7 offices for it, in 5 cities in LA; its New Orleans 2 offices book 37% of its branch deposits. Judged on its Q2 2026 call report, Fifth District Savings Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 4000 General Degaulle Dr, New Orleans, LA 70114
- County
- Orleans
- Metro Area
- New Orleans-Metairie, 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 041
- Established
- January 1, 1926
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 68
- Domestic deposits
- $414.8M
- Allowance for credit losses
- $1.7M
- Net charge-offs (YTD)
- $0
- Average total assets
- $541.9M
- Average total loans
- $414.8M
- Average interest-bearing deposits
- $413.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 27697
- Fed RSSD
- 837970
- SEC CIK
- 2012726 → filed by FIFTH DISTRICT BANCORP, INC.
- Website
- www.fifthdistrict.com →
- Parent Holding Company
- FIFTH DISTRICT BANCORP, INC. (RSSD 5926918) · FDSB
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Amie L. Lyons | CEO | President and CEO |
| Melissa C. Burns | CFO | CFO and Treasurer |
| Gregory P. Nolan | GC | SVP & General Counsel |
| Smith Shane Michael | CCO | Chief Credit Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Fifth District Savings Bank's total assets ran between $474.4M (Q3 2023) and $539.3M (Q2 2025), 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
$531.8M total assets against $539.3M; $420.6M total liabilities against $430.4M.
$393.3M net loans and leases against $379.6M; $414.8M total deposits against $424.7M.
$94.2M securities against $100.4M; $19.2M cash and balances due against $27.7M.
$5.8M total interest income against $5.5M; $2.1M total interest expense against $2.3M.
$3.7M net interest income against $3.1M.
$222K total noninterest income against $3.7M; $3.4M total noninterest expense against $3.8M.
$0 provision for credit losses against $0.
$460K net income against $3.1M.
0.34% return on assets against 2.31%; 2.77% net interest margin against 2.39%.
38.90% CET1 capital ratio against 41.68%; 21.41% tier 1 leverage ratio against 21.00%.
Inside the full Fifth District Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFifth District Savings Bank rankings
Its closest position to the top of a national ranking is 30 of 2,134, for CET1 ratio; its furthest is 3,376 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.06% (Q1 2025) to 2.31% (Q2 2025) and its net interest margin ran from 2.21% (Q4 2024) to 2.77% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 38.90% | 0.34% | 0.09% | 0.34% | 2.77% |
| Q1 2026 | 39.39% | 0.32% | 0.02% | 0.09% | 2.66% |
| Q4 2025 | 41.17% | 0.44% | 0.14% | 0.52% | 2.56% |
| Q3 2025 | 41.47% | 0.30% | 0.05% | 0.22% | 2.51% |
| Q2 2025 | 41.68% | 2.31% | 0.34% | 1.21% | 2.39% |
| Q1 2025 | 41.88% | 0.06% | 0.20% | 0.75% | 2.26% |
| Q4 2024 | 43.24% | 0.12% | 0.29% | 1.06% | 2.21% |
| Q3 2024 | 43.70% | 0.15% | 0.17% | 0.64% | 2.25% |
Swipe the table sideways to see every column.
Branch Network
View all 7 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 |
|---|---|---|---|
| Fifth District Savings Bank (main office) | New Orleans , LA | 70114 | $147.4M |
| Fifth Dist Svg Bk - Marrero Branch | Marrero , LA | 70072 | $75.6M |
| 2701 Barataria Blvd Branch | Marrero , LA | 70072 | $64.7M |
| 1317 Westbank Expressway Branch | Westwego , LA | 70094 | $47.5M |
| Metairie Branch | Metairie , LA | 70006 | $41.2M |
| Covington Branch | Covington , LA | 70433 | $30.8M |
| Fifth District Savings Bank - Lakeview Branch | New Orleans , LA | 70124 | $7.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in LA, rank 48 of 118 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, 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 Fifth District Savings Bank
What are Fifth District Savings Bank's total assets?
As of the Q2 2026 filing, Fifth District Savings Bank reported total assets of $531.8 million in its FFIEC call report.
Where is Fifth District Savings Bank headquartered?
It is headquartered in New Orleans, LA, United States.
When was Fifth District Savings Bank founded?
It was established in 1926, per the FDIC institution directory.
Is Fifth District Savings Bank FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #27697). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Fifth District Savings Bank?
Fifth District Savings Bank's primary federal regulator is the OCC.
What is Fifth District Savings Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 38.90% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Fifth District Savings Bank operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Fifth District Savings Bank's Texas Ratio?
Its Texas Ratio is 0.34% 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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