First National Bank in Deridder
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Data as of · sourced from FFIEC call reports. How we update
First National Bank in Deridder is an FDIC-insured commercial bank headquartered in Deridder, LA, established in 1934 (FDIC certificate 14427), and it is supervised by the OCC. At Q2 2026 it reported total assets of $419.0M, up 7.5% from Q2 2025, the 47th largest of 102 banks headquartered in Louisiana. Its CET1 capital ratio was 17.24% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 14427
- Headquarters
- Deridder, LA
- Established
- 1934
- Total assets, Q2 2026
- $419.0M
- Assets vs Q2 2025
- +7.5%
- CET1 ratio, Q2 2026
- 17.24%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 065200997
- Latest call report
- Q2 2026, FFIEC 051 · First National Bank in Deridder call report
- Asset rank in state
- 47th of 102 in Louisiana
First National Bank in Deridder, based in Deridder, Louisiana, reported $419 million in assets at June 30, 2026, up 7.5% from a year earlier. It pays an average of 1.11% on its deposits and borrowings, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). It also returns 17.4% a year on shareholders' equity, higher than about three-quarters of banks its size (median 12.5%).
Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.57% of loans from 1.13%. Net income for the quarter rose 26% from a year earlier, to $1.6 million.
As of June 30, 2026, First National Bank in Deridder reported a CET1 capital ratio of 17.24%, a return on assets of 1.49%, a nonperforming-loan ratio of 0.57% and a Texas ratio of 6.66%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, First National Bank in Deridder is the 47th largest of the 102 banks headquartered in Louisiana. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 1.4% to $419.0M, loans rose 2.6% and deposits fell 1.7%. 1-4 family residential loans made up 44.9% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 13.0%. The FDIC Summary of Deposits lists 7 offices for it, in 4 cities in LA; its Deridder 3 offices book 64% of its branch deposits. Judged on its Q2 2026 call report, First National Bank in Deridder meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1003 N Pine St, Deridder, LA 70634
- County
- Beauregard
- Metro Area
- Deridder, LA
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1934
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 77
- Domestic deposits
- $379.2M
- Allowance for credit losses
- $2.7M
- Net charge-offs (YTD)
- $6K
- Average total assets
- $431.5M
- Average total loans
- $247.2M
- Average interest-bearing deposits
- $273.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 2, 1934
- FDIC Cert
- 14427
- Fed RSSD
- 480433
- Website
- www.bankFNBD.com →
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 National Bank in Deridder's total assets moved between a low of $355.4M (Q3 2023) and a high of $425.1M (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
$419.0M total assets against $389.8M; $381.5M total liabilities against $357.0M.
$248.0M net loans and leases against $237.6M; $379.2M total deposits against $354.9M.
$95.0M securities against $86.2M; $61.3M cash and balances due against $51.7M.
$5.6M total interest income against $5.0M; $1.1M total interest expense against $1.1M.
$4.5M net interest income against $3.9M.
$778K total noninterest income against $695K; $3.0M total noninterest expense against $2.9M.
$164K provision for credit losses against $100K.
$1.6M net income against $1.3M.
1.49% return on assets against 1.31%; 4.26% net interest margin against 4.07%.
17.24% CET1 capital ratio against 16.59%; 9.84% tier 1 leverage ratio against 9.91%.
Inside the full First National Bank in Deridder terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst National Bank in Deridder rankings
Its closest position to the top of a national ranking is 561 of 2,134, for CET1 ratio; its furthest is 1,994 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.75% (Q3 2024) to 1.49% (Q2 2026) and its net interest margin ran from 3.71% (Q3 2024) to 4.26% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.24% | 1.49% | 0.57% | 6.66% | 4.26% |
| Q1 2026 | 17.25% | 1.34% | 0.92% | 8.25% | 4.02% |
| Q4 2025 | 17.29% | 1.23% | 0.66% | 6.82% | 4.16% |
| Q3 2025 | 16.81% | 1.35% | 1.21% | 8.98% | 4.10% |
| Q2 2025 | 16.59% | 1.31% | 1.13% | 8.79% | 4.07% |
| Q1 2025 | 16.41% | 1.28% | 1.29% | 9.20% | 3.86% |
| Q4 2024 | 16.45% | 0.83% | 1.19% | 8.86% | 3.75% |
| Q3 2024 | 16.37% | 0.75% | 1.40% | 9.95% | 3.71% |
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 |
|---|---|---|---|
| First National Bank in Deridder (main office) | Deridder , LA | 70634 | $172.9M |
| Operations Center Branch | Deridder , LA | 70634 | $68.7M |
| Lake Charles Branch | Lake Charles , LA | 70605 | $61.3M |
| Westside Branch | De Ridder , LA | 70634 | $37.3M |
| Moss Bluff Branch | Lake Charles , LA | 70611 | $23.2M |
| Sulphur Branch | Sulphur , LA | 70663 | $15.8M |
| East Side Branch | Deridder , LA | 70634 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in LA, rank 54 of 118 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $48K approved, $24K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1995 (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 National Bank in Deridder
What are First National Bank in Deridder's total assets?
As of the Q2 2026 filing, First National Bank in Deridder reported total assets of $419.0 million in its FFIEC call report.
Where is First National Bank in Deridder headquartered?
It is headquartered in Deridder, LA, United States.
When was First National Bank in Deridder founded?
It was established in 1934, per the FDIC institution directory.
Is First National Bank in Deridder FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #14427). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First National Bank in Deridder?
First National Bank in Deridder's primary federal regulator is the OCC.
What is First National Bank in Deridder's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 17.24% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First National Bank in Deridder 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 First National Bank in Deridder's Texas Ratio?
Its Texas Ratio is 6.66% 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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