First Federal Bank of Louisiana
Also written as FFB of Louisiana
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Data as of · sourced from FFIEC call reports. How we update
First Federal Bank of Louisiana is an FDIC-insured savings and loan association headquartered in Lake Charles, LA, supervised by the OCC, with $1.15B in total assets at Q2 2026, up 2.0% from Q2 2025, the 16th largest of 102 banks headquartered in Louisiana. It was established in 1949 and holds FDIC certificate 30441. Its CET1 capital ratio was 21.41% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings and loan association
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 30441
- Headquarters
- Lake Charles, LA
- Established
- 1949
- Total assets, Q2 2026
- $1.15B
- Assets vs Q2 2025
- +2.0%
- CET1 ratio, Q2 2026
- 21.41%
- Domestic offices
- 16 · First Federal Bank of Louisiana branches FDIC institution directory, current count
- Routing number
- 265270345
- Safety and soundness
- Is First Federal Bank of Louisiana safe?
- Latest call report
- Q2 2026, FFIEC 051 · First Federal Bank of Louisiana call report
- Asset rank in state
- 16th of 102 in Louisiana
First Federal Bank of Louisiana spends more to run itself than most banks of its size. Its balance sheet stood at $1.1 billion at June 30, 2026, up 2.0% from a year earlier; it is based in Lake Charles, Louisiana. It earns about $0.26 a year on every $100 of assets, a small fraction of the median of $1.29 for the 880 banks with $1 billion to $10 billion in assets. It also spends about 79 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 58 cents).
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.17% of loans from 2.69%. Loans and deposits moved in opposite directions: over the year loans fell 5.2% and deposits rose 0.7%. Credit is the area to watch: it carries problem assets equal to 13.4% of the capital and reserves that would absorb them, 3.7 times the median of 3.6% for banks its size.
As of June 30, 2026, First Federal Bank of Louisiana reported a CET1 capital ratio of 21.41%, a return on assets of 0.26%, a nonperforming-loan ratio of 0.17% and a Texas ratio of 13.40%. The figures come from its call report filed with the FFIEC.
First Federal Bank of Louisiana ranks as the 16th largest of the 102 banks based in Louisiana, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 2.3% to $1.15B, loans rose 0.4% and deposits fell 2.7%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 40.7% of total loans, followed by owner-occupied commercial real estate loans at 18.6%. The FDIC Summary of Deposits lists 16 offices for it, in 9 cities in LA; its Lake Charles 5 offices book 51% of its branch deposits. Judged on its Q2 2026 call report, First Federal Bank of Louisiana meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1135 Lake Shore Dr, Lake Charles, LA 70601
- County
- Calcasieu
- Metro Area
- Lake Charles, LA
- Charter
- State-chartered stock savings and loan association, FDIC-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 051
- Established
- October 31, 1949
- Domestic offices
- 16 FDIC institution directory, current count
- Employees (FTE)
- 197
- Domestic deposits
- $991.6M
- Allowance for credit losses
- $6.5M
- Net charge-offs (YTD)
- $1.4M
- Average total assets
- $1.17B
- Average total loans
- $640.7M
- Average interest-bearing deposits
- $834.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 30441
- Fed RSSD
- 517674
- Website
- www.ffbla.bank →
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 Federal Bank of Louisiana's total assets moved between a low of $1.10B (Q2 2024) and a high of $1.18B (Q1 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
$1.15B total assets against $1.13B; $1.02B total liabilities against $1.01B.
$634.2M net loans and leases against $668.7M; $991.6M total deposits against $985.1M.
$326.7M securities against $324.9M; $106.6M cash and balances due against $68.1M.
$12.4M total interest income against $12.3M; $4.5M total interest expense against $5.0M.
$7.9M net interest income against $7.2M.
$1.9M total noninterest income against $1.8M; $7.8M total noninterest expense against $7.6M.
$1.1M provision for credit losses against $1.5M.
$753K net income against $44K.
0.26% return on assets against 0.02%; 2.89% net interest margin against 2.63%.
21.41% CET1 capital ratio against 20.30%; 11.95% tier 1 leverage ratio against 11.61%.
Inside the full First Federal Bank of Louisiana terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst Federal Bank of Louisiana rankings
Its closest position to the top of a national ranking is 389 of 3,640, for Texas Ratio; its furthest is 3,420 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.02% (Q2 2025) to 0.46% (Q3 2025) and its net interest margin ran from 2.52% (Q3 2024) to 2.89% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 21.41% | 0.26% | 0.17% | 13.40% | 2.89% |
| Q1 2026 | 21.41% | 0.38% | 0.17% | 13.71% | 2.73% |
| Q4 2025 | 21.09% | 0.35% | 2.83% | 14.58% | 2.69% |
| Q3 2025 | 20.74% | 0.46% | 2.77% | 14.78% | 2.72% |
| Q2 2025 | 20.30% | 0.02% | 2.69% | 15.13% | 2.63% |
| Q1 2025 | 20.57% | 0.35% | 2.71% | 15.21% | 2.52% |
| Q4 2024 | 20.34% | 0.26% | 2.73% | 15.70% | 2.52% |
| Q3 2024 | 20.21% | 0.43% | 2.73% | 15.13% | 2.52% |
Swipe the table sideways to see every column.
Branch Network
View all 16 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 Federal Bank of Louisiana (main office) | Lake Charles , LA | 70601 | $327.9M |
| First Fed Bk of La Coliseum Blvd Branch | Alexandria , LA | 71303 | $199.6M |
| Maplewood Drive Branch | Sulphur , LA | 70663 | $71.9M |
| 324 East Mc Neese Street Branch | Lake Charles , LA | 70605 | $69.7M |
| 4093 Nelson Road Branch | Lake Charles , LA | 70605 | $63.4M |
| Oakdale Branch | Oakdale , LA | 71463 | $45.3M |
| Lake Charles Branch | Lake Charles , LA | 70611 | $45.0M |
| 2214 Sampson Street Branch | Westlake , LA | 70669 | $40.0M |
| 519 North Pine Branch | De Ridder , LA | 70634 | $27.9M |
| Vinton Branch | Vinton , LA | 70668 | $22.1M |
| Carlyss Branch | Sulphur , LA | 70665 | $21.3M |
| 701 Keyser Avenue | Natchitoches , LA | 71457 | $18.8M |
| Natchitoches Branch | Natchitoches , LA | 71457 | $15.1M |
| 5615-A Jackson Street | Alexandria , LA | 71303 | $11.3M |
| Pineville Branch | Pineville , LA | 71360 | $9.1M |
| Walnut Grove Branch | Lake Charles , LA | 70601 | $3.3M |
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 |
|---|---|---|---|
| October 30, 2004 | Structure Change | Acquired First Federal Savings & Loan Association of Allen Parish Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 29, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 30, 1987 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 31, 1987 | Structure Change | Acquired First Federal Savings & Loan Association 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 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.7% of deposits in LA, rank 22 of 118 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $250K approved, $250K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2013 (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 Federal Bank of Louisiana
What are First Federal Bank of Louisiana's total assets?
As of the Q2 2026 filing, First Federal Bank of Louisiana reported total assets of $1.15 billion in its FFIEC call report.
Where is First Federal Bank of Louisiana headquartered?
It is headquartered in Lake Charles, LA, United States.
When was First Federal Bank of Louisiana founded?
It was established in 1949, per the FDIC institution directory.
Is First Federal Bank of Louisiana FDIC-insured?
Yes. It is an FDIC-insured savings and loan association (FDIC Certificate #30441). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Federal Bank of Louisiana?
First Federal Bank of Louisiana's primary federal regulator is the OCC.
What is First Federal Bank of Louisiana's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 21.41% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First Federal Bank of Louisiana operate?
It operates 16 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Federal Bank of Louisiana's Texas Ratio?
Its Texas Ratio is 13.40% 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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