First American Bank and Trust
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Data as of · sourced from FFIEC call reports. How we update
First American Bank and Trust is an FDIC-insured commercial bank headquartered in Vacherie, LA, established in 1910 (FDIC certificate 8149), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.38B, up 3.0% from Q2 2025, the 10th largest of 102 banks headquartered in Louisiana. Its CET1 capital ratio was 24.75% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 8149
- Headquarters
- Vacherie, LA
- Established
- 1910
- Total assets, Q2 2026
- $1.38B
- Assets vs Q2 2025
- +3.0%
- CET1 ratio, Q2 2026
- 24.75%
- Domestic offices
- 25 FDIC institution directory, current count
- Routing number
- 065402423
- Latest call report
- Q2 2026, FFIEC 051 · First American Bank and Trust call report
- Holding company
- ONE AMERICAN CORP.
- Asset rank in state
- 10th of 102 in Louisiana
First American Bank and Trust, based in Vacherie, Louisiana, reported $1.4 billion in assets at June 30, 2026, up 3.0% from a year earlier. It pays an average of 1.01% on its deposits and borrowings, about half the median of 2.01% for the 895 banks with $1 billion to $10 billion in assets. It also holds common equity equal to 24.75% of its risk-weighted assets, about double the median of 13.52% for banks its size.
Net income for the quarter rose 15% from a year earlier, to $4.4 million. Its $86 million non-owner-occupied commercial real estate book is improving, with 0.90% past due or on nonaccrual, down from 1.73% a year earlier.
As of June 30, 2026, First American Bank and Trust reported a CET1 capital ratio of 24.75%, a return on assets of 1.25%, a nonperforming-loan ratio of 1.28% and a Texas ratio of 6.27%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, First American Bank and Trust is the 10th largest of the 102 banks headquartered in Louisiana. From Q1 2026 to Q2 2026, its total assets fell 0.4% to $1.38B, loans rose 0.1% and deposits fell 0.7%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 56.2% of total loans, followed by owner-occupied commercial real estate loans at 12.9%. Its 25 offices in the FDIC Summary of Deposits are in 22 cities in LA; its Vacherie 2 offices book 22% of its branch deposits. Judged on its Q2 2026 call report, First American Bank and Trust meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 2785 Highway 20, Vacherie, LA 70090
- County
- St. James
- Metro Area
- New Orleans-Metairie, 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 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- December 3, 1910
- Domestic offices
- 25 FDIC institution directory, current count
- Employees (FTE)
- 234
- Domestic deposits
- $1.21B
- Allowance for credit losses
- $12.4M
- Net charge-offs (YTD)
- $1.4M
- Average total assets
- $1.40B
- Average total loans
- $852.7M
- Average interest-bearing deposits
- $746.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8149
- Fed RSSD
- 101037
- SEC CIK
- 708817 → filed by ONE AMERICAN CORP.
- Website
- www.fabt.com →
- Parent Holding Company
- ONE AMERICAN CORP. (RSSD 1083729)
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
First American Bank and Trust's total assets moved between a low of $1.33B (Q3 2025) and a high of $1.45B (Q4 2023) 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
$1.38B total assets against $1.34B; $1.22B total liabilities against $1.20B.
$841.1M net loans and leases against $832.0M; $1.21B total deposits against $1.19B.
$349.5M securities against $381.1M; $143.8M cash and balances due against $76.7M.
$16.0M total interest income against $15.3M; $3.0M total interest expense against $3.5M.
$13.0M net interest income against $11.8M.
$1.9M total noninterest income against $1.8M; $9.4M total noninterest expense against $8.9M.
$0 provision for credit losses against $0.
$4.4M net income against $3.8M.
1.25% return on assets against 1.10%; 3.84% net interest margin against 3.54%.
24.75% CET1 capital ratio against 23.85%; 13.81% tier 1 leverage ratio against 13.37%.
Inside the full First American Bank and Trust terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst American Bank and Trust rankings
Its closest position to the top of a national ranking is 161 of 2,134, for CET1 ratio; its furthest is 2,122 of 3,606, for efficiency ratio.
Metric pages for First American Bank and Trust: CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.79% (Q3 2024) to 1.25% (Q2 2026) and its net interest margin ran from 3.08% (Q3 2024) to 3.84% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 24.75% | 1.25% | 1.28% | 6.27% | 3.84% |
| Q1 2026 | 24.82% | 0.94% | 1.21% | 5.99% | 3.69% |
| Q4 2025 | 25.31% | 1.22% | 0.89% | 4.36% | 3.83% |
| Q3 2025 | 24.53% | 1.21% | 0.69% | 3.50% | 3.80% |
| Q2 2025 | 23.85% | 1.10% | 1.21% | 6.44% | 3.54% |
| Q1 2025 | 23.72% | 1.01% | 1.33% | 7.25% | 3.33% |
| Q4 2024 | 23.05% | 0.98% | 1.05% | 5.94% | 3.26% |
| Q3 2024 | 22.72% | 0.79% | 1.14% | 6.22% | 3.08% |
Swipe the table sideways to see every column.
Branch Network
View all 25 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 |
|---|---|---|---|
| First American Bank and Trust (main office) | Vacherie , LA | 70090 | $235.0M |
| Lutcher Branch | Lutcher , LA | 70071 | $126.2M |
| Thibodaux Branch | Thibodaux , LA | 70301 | $108.4M |
| Laplace Branch | Laplace , LA | 70068 | $70.9M |
| Luling Branch | Luling , LA | 70070 | $70.5M |
| Gonzales Branch | Gonzales , LA | 70737 | $57.2M |
| Gramercy Branch | Gramercy , LA | 70052 | $52.1M |
| Boutte Branch | Boutte , LA | 70039 | $47.7M |
| James Park Branch | St. Rose , LA | 70087 | $47.2M |
| Hammond Branch | Hammond , LA | 70403 | $43.4M |
| Williams Branch | Kenner , LA | 70065 | $42.1M |
| Donaldsonville Branch | Donaldsonville , LA | 70346 | $37.2M |
| Veterans Branch | Metairie , LA | 70005 | $36.1M |
| South Vacherie Branch | Vacherie , LA | 70090 | $32.0M |
| Napoleonville Branch | Napoleonville , LA | 70390 | $29.2M |
| Audubon Avenue Branch | Thibodaux , LA | 70301 | $29.1M |
| Norco Branch | Norco , LA | 70079 | $27.4M |
| VeteransDivision Branch | Metairie , LA | 70002 | $23.5M |
| Pierre Part Branch | Pierre Part , LA | 70339 | $20.9M |
| Des Allemands Branch | Des Allemands , LA | 70030 | $17.0M |
| Jones Creek Branch | Baton Rouge , LA | 70817 | $16.6M |
| Harvey Branch | Harvey , LA | 70058 | $16.3M |
| Mandeville Branch | Mandeville , LA | 70471 | $11.7M |
| Houma Office | Houma , LA | 70360 | $7.1M |
| Dutchtown | Geismar , LA | 70734 | $4.8M |
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 |
|---|---|---|---|
| August 1, 2001 | Structure Change | Acquired Schwegmann Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 31, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 24, 1996 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 24, 1996 | Structure Change | Acquired First American Bank of Tangipahoa Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 27, 1994 | Structure Change | Acquired Oak Tree Federal Savings Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| February 15, 1991 | Structure Change | Acquired Merchants Trust & Savings Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| February 14, 1991 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 3, 1989 | Structure Change | Acquired Bank of Saint Charles Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| November 2, 1989 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 9 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.9% of deposits in LA, rank 16 of 118 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 10 loans, $2.2M approved, $221K average. 10.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1997 (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 First American Bank and Trust
What are First American Bank and Trust's total assets?
As of the Q2 2026 filing, First American Bank and Trust reported total assets of $1.38 billion in its FFIEC call report.
Where is First American Bank and Trust headquartered?
It is headquartered in Vacherie, LA, United States.
When was First American Bank and Trust founded?
It was established in 1910, per the FDIC institution directory.
Is First American Bank and Trust FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #8149). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First American Bank and Trust?
First American Bank and Trust's primary federal regulator is the FDIC.
What is First American Bank and Trust's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 24.75% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First American Bank and Trust operate?
It operates 25 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First American Bank and Trust's Texas Ratio?
Its Texas Ratio is 6.27% 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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