Fifth District Savings Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 2201.49 percentage points lower than in Q1 2026, at 495.34%. On return on assets, Fifth District Savings Bank is 11th from the bottom among 103 Louisiana banks, 0.34% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, Fifth District Savings Bank reported 0.34% on return on assets in Q2 2026, 0.91 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 38.90% |
| Tier 1 risk-based capital ratio | 38.90% |
| Total risk-based capital ratio | 39.48% |
| Tier 1 leverage ratio | 21.41% |
| Equity capital to assets | 20.91% |
| Tangible equity to tangible assets | 20.91% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.09% |
| Non-performing assets ratio | 0.07% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.34% |
| Allowance for credit losses to loans | 0.43% |
| Reserve coverage of non-performing loans | 495.34% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.34% |
| Return on equity | 1.66% |
| Net interest margin | 2.77% |
| Efficiency ratio | 85.21% |
| Yield on earning assets | 4.32% |
| Cost of funds | 1.98% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.23% |
| Core deposits to total deposits | 88.23% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 78.01% |
| Securities to assets | 17.72% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 34.20% | 34.20% | 35.45% | 17.37% | 0.03% |
| Q4 2023 | 34.15% | 34.15% | 35.33% | 17.41% | 0.15% |
| Q1 2024 | 33.95% | 33.95% | 35.09% | 17.04% | -0.92% |
| Q2 2024 | 33.54% | 33.54% | 34.27% | 16.91% | 0.55% |
| Q3 2024 | 43.70% | 43.70% | 44.38% | 20.75% | 0.15% |
| Q4 2024 | 43.24% | 43.24% | 43.91% | 20.78% | 0.12% |
| Q1 2025 | 41.88% | 41.88% | 42.53% | 20.71% | 0.06% |
| Q2 2025 | 41.68% | 41.68% | 42.31% | 21.00% | 2.31% |
| Q3 2025 | 41.47% | 41.47% | 42.09% | 20.94% | 0.30% |
| Q4 2025 | 41.17% | 41.17% | 41.79% | 21.07% | 0.44% |
| Q1 2026 | 39.39% | 39.39% | 39.97% | 21.41% | 0.32% |
| Q2 2026 | 38.90% | 38.90% | 39.48% | 21.41% | 0.34% |
Fifth District Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Fifth District Savings Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Fifth District Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27697) · FFIEC NIC profile (RSSD 837970)