First National Bank USA
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Data as of · sourced from FFIEC call reports. How we update
First National Bank USA is an FDIC-insured commercial bank headquartered in Boutte, LA, established in 1975 (FDIC certificate 22046), and it is supervised by the OCC. At Q2 2026 it reported total assets of $249.1M, up 10.8% from Q2 2025, the 66th largest of 102 banks headquartered in Louisiana. It reports no CET1 ratio; its Tier 1 leverage ratio was 14.06% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 22046
- Headquarters
- Boutte, LA
- Established
- 1975
- Total assets, Q2 2026
- $249.1M
- Assets vs Q2 2025
- +10.8%
- Tier 1 leverage ratio, Q2 2026
- 14.06%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 065402517
- Latest call report
- Q2 2026, FFIEC 041 · First National Bank USA call report
- Holding company
- FIRST ST. CHARLES BANCSHARES, INC.
- Asset rank in state
- 66th of 102 in Louisiana
First National Bank USA, based in Boutte, Louisiana, reported $249 million in assets at June 30, 2026, up 10.8% from a year earlier. It pays an average of 1.00% on its deposits and borrowings, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). It also carries problem assets equal to 0.1% of the capital and reserves that would absorb them, a small fraction of the median of 2.6% for banks its size.
Net income for the quarter slipped 10% from a year earlier, to $940,000. Over the same year, loans grew 4.9% and deposits grew 10.7%.
As of June 30, 2026, First National Bank USA reported a return on assets of 1.55%, a nonperforming-loan ratio of 0.03% and a Texas ratio of 0.09%. The figures come from its call report filed with the FFIEC.
Of the 102 banks headquartered in Louisiana, First National Bank USA is the 66th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 3.8% to $249.1M, loans fell 0.8% and deposits rose 3.9%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 36.7% of total loans, followed by construction and land development loans at 19.2%. The FDIC Summary of Deposits lists 2 offices for it, in Boutte, LA and La Place, LA; its Boutte office books 81% of its branch deposits. By the capital ratios in its Q2 2026 call report, First National Bank USA meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 13386 Highway 90, Boutte, LA 70039
- County
- St. Charles
- Metro Area
- New Orleans-Metairie, 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 041
- Established
- June 23, 1975
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 29
- Domestic deposits
- $213.1M
- Allowance for credit losses
- $1.5M
- Net charge-offs (YTD)
- $12K
- Average total assets
- $242.8M
- Average total loans
- $114.9M
- Average interest-bearing deposits
- $162.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 23, 1975
- FDIC Cert
- 22046
- Fed RSSD
- 714839
- Website
- www.fnbusa.com →
- Parent Holding Company
- FIRST ST. CHARLES BANCSHARES, INC. (RSSD 1140190)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, First National Bank USA reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, First National Bank USA's total assets ranged from $195.9M (Q1 2024) to $249.1M (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
$249.1M total assets against $224.8M; $214.7M total liabilities against $194.3M.
$112.1M net loans and leases against $106.8M; $213.1M total deposits against $192.4M.
$57.7M securities against $56.6M; $68.5M cash and balances due against $50.2M.
$3.2M total interest income against $3.1M; $520K total interest expense against $528K.
$2.7M net interest income against $2.6M.
$141K total noninterest income against $121K; $1.6M total noninterest expense against $1.4M.
$60K provision for credit losses against $0.
$940K net income against $1.0M.
1.55% return on assets against 1.88%; 4.59% net interest margin against 4.80%.
14.06% tier 1 leverage ratio against 13.66%.
Inside the full First National Bank USA terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst National Bank USA rankings
Its closest position to the top of a national ranking is 1,194 of 3,611, for ROA; its furthest is 3,245 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.55% (Q2 2026) to 2.12% (Q3 2024) and its net interest margin ran from 4.59% (Q2 2026) to 4.91% (Q3 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.06% | 1.55% | 0.03% | 0.09% | 4.59% |
| Q1 2026 | 13.92% | 1.72% | 0.03% | 0.10% | 4.64% |
| Q4 2025 | 14.67% | 1.95% | 0.03% | 0.10% | 4.76% |
| Q3 2025 | 13.64% | 1.89% | 0.03% | 0.11% | 4.85% |
| Q2 2025 | 13.66% | 1.88% | 0.03% | 0.11% | 4.80% |
| Q1 2025 | 13.23% | 1.83% | 0.03% | 0.11% | 4.66% |
| Q4 2024 | 13.90% | 1.56% | 0.12% | 0.43% | 4.71% |
| Q3 2024 | 14.19% | 2.12% | 0.13% | 0.42% | 4.91% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 USA (main office) | Boutte , LA | 70039 | $172.0M |
| The La Place Branch | La Place , LA | 70068 | $41.1M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 2 against the institution (OCC); 2 against individuals associated with it
- August 13, 2010, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): First National Bank USA
- May 21, 2008, OCC: Formal Agreement: First National Bank USA
- Period: Most recent institution action August 13, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in LA, rank 74 of 118 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $652K approved, $652K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2022 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 USA
What are First National Bank USA's total assets?
As of the Q2 2026 filing, First National Bank USA reported total assets of $249.1 million in its FFIEC call report.
Where is First National Bank USA headquartered?
It is headquartered in Boutte, LA, United States.
When was First National Bank USA founded?
It was established in 1975, per the FDIC institution directory.
Is First National Bank USA FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #22046). 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 USA?
First National Bank USA's primary federal regulator is the OCC.
How many branches does First National Bank USA operate?
It operates 2 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 USA's Texas Ratio?
Its Texas Ratio is 0.09% 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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