Hibernia Bank
Hibernia Bank is an FDIC-insured savings and loan association headquartered in New Orleans, LA, supervised by the FDIC, with $257.2M in total assets at Q3 2026, up 6.1% from Q3 2025, the 65th largest of 103 banks headquartered in Louisiana. It was established in 1886 and holds FDIC certificate 27752. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.19% at Q3 2026, above the 8% community bank leverage ratio requirement for being considered well capitalized.
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Savings and loan association
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 27752
- Headquarters
- New Orleans, LA
- Established
- 1886
- Total assets, Q3 2026
- $257.2M
- Assets vs Q3 2025
- +6.1%
- Tier 1 leverage ratio, Q3 2026
- 11.19%
- Domestic offices
- 5 branches
- Routing number
- 265070590
- Safety and soundness
- Is Hibernia Bank safe?
- Latest call report
- Q3 2026, FFIEC 051 · Hibernia Bank call report
- Asset rank in state
- 65th of 103 in Louisiana
Hibernia Bank spends more to run itself than most banks of its size. The New Orleans, Louisiana bank had $257 million in assets at September 30, 2026, up 6.1% from a year earlier. It earns about $0.27 a year on every $100 of assets, a small fraction of the median of $1.30 for the 2,623 banks with $100 million to $1 billion in assets. It also spends about 87 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Loans are outrunning deposits: over the year loans rose 11.8% and deposits rose 0.0%. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 1.66% of loans, down from 2.43% a year earlier. Its margin is thin by comparison: it keeps 2.81 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 4.01 cents).
As of September 30, 2026, Hibernia Bank reported a return on assets of 0.27%, a nonperforming-loan ratio of 1.66% and a Texas ratio of 12.20%. The figures come from its call report filed with the FFIEC.
Of the 103 banks headquartered in Louisiana, Hibernia Bank is the 65th largest by total assets at Q3 2026. From Q2 2026 to Q3 2026, its total assets rose 0.2% to $257.2M, loans rose 0.3% and deposits fell 1.4%. Its loan book on September 30, 2026 was led by 1-4 family residential loans, at 55.4% of total loans, followed by non-owner-occupied commercial real estate loans at 18.0%. Its 5 offices in the FDIC Summary of Deposits are in Metairie, LA, New Orleans, LA and Harahan, LA; its Metairie 2 offices book 48% of its branch deposits. By the capital ratios in its Q3 2026 call report, Hibernia Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 325 Carondelet St, New Orleans, LA 70130
- County
- Orleans
- Metro Area
- New Orleans-Metairie, LA
- Charter
- State-chartered stock savings and loan association, FDIC-supervised (pre-2011 OTS)
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- —
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- 1886
- Former names
- Union Savings and Loan Association (2011-2018)
- Domestic offices
- 5 branches
- Employees (FTE)
- 31
- Domestic deposits
- $207.0M
- Allowance for credit losses
- $921K
- Net charge-offs (YTD)
- -$20K
- Average total assets
- $254.8M
- Average total loans
- $212.8M
- Average interest-bearing deposits
- $195.3M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 27752
- Fed RSSD
- 872579
- Website
- www.hibernia.bank →
Asset Quality
Balance Sheet
Income Statement
Operating & Funding
Watch Hibernia Bank: get a note when its numbers change. Free, no card required.
Ratios tagged annualized use the Q3 income alone. The UBPR and FDIC annualize the year to date instead. As a community bank leverage ratio filer, Hibernia Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q3 2026, Hibernia Bank's total assets ran between $240.2M (Q2 2025) and $280.2M (Q2 2024), and it earned a profit in 3 of the 12 quarters. The line under each chart compares Q3 2026 with Q3 2025. How these charts are built
$257.2M total assets against $242.3M; $223.3M total liabilities against $208.4M.
$211.2M net loans and leases against $188.7M; $207.0M total deposits against $206.9M.
$113K securities against $305K; $25.3M cash and balances due against $32.9M.
$3.2M total interest income against $2.8M; $1.5M total interest expense against $1.5M.
$1.7M net interest income against $1.3M.
$29K total noninterest income against $29K; $1.5M total noninterest expense against $1.4M.
$0 provision for credit losses against $0.
$173K net income against -$64K.
0.27% return on assets against -0.11%; 2.81% net interest margin against 2.37%.
11.19% tier 1 leverage ratio against 11.88%.
Inside the full Hibernia Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans are between 200% and 300% of total capital. The 200% line is a BankRegReports watch band, not a supervisory threshold; the 2006 interagency guidance level is 300%. BankRegReports early-warning band below the 300% guidance.
Hibernia Bank rankings
Its closest position to the top of a national ranking is 507 of 3,644, for Texas Ratio; its furthest is 3,437 of 3,624, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q3 2026, its return on assets ran from -1.40% (Q4 2024) to 0.27% (Q3 2026) and its net interest margin ran from 1.84% (Q4 2024) to 2.83% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q3 2026 | 11.19% | 0.27% | 1.66% | 12.20% | 2.81% |
| Q2 2026 | 11.54% | 0.24% | 1.37% | 10.14% | 2.83% |
| Q1 2026 | 11.64% | -0.02% | 1.51% | 10.38% | 2.49% |
| Q4 2025 | 11.57% | -0.60% | 1.64% | 10.74% | 2.03% |
| Q3 2025 | 11.88% | -0.11% | 2.43% | 15.89% | 2.37% |
| Q2 2025 | 11.72% | -0.17% | 3.09% | 19.19% | 2.27% |
| Q1 2025 | 11.22% | -0.28% | 2.69% | 16.81% | 2.00% |
| Q4 2024 | 11.04% | -1.40% | 2.86% | 18.09% | 1.84% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 |
|---|---|---|---|
| 933 Metairie Road Branch | Metairie , LA | 70005 | $53.6M |
| Harahan Branch | Harahan , LA | 70123 | $52.0M |
| 5620 Veterans Memorial Blvd Branch | Metairie , LA | 70003 | $46.4M |
| Hibernia Bank (main office) | New Orleans , LA | 70130 | $42.3M |
| 700 South Carrollton Ave Branch | New Orleans , LA | 70118 | $15.7M |
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 |
|---|---|---|---|
| July 2, 2018 | Structure Change | Acquired Hibernia Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in LA, rank 75 of 118 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 Hibernia Bank
What are Hibernia Bank's total assets?
As of the Q3 2026 filing, Hibernia Bank reported total assets of $257.2 million in its FFIEC call report.
Where is Hibernia Bank headquartered?
It is headquartered in New Orleans, LA, United States.
When was Hibernia Bank founded?
It was established in 1886, per the FDIC institution directory.
Is Hibernia Bank FDIC-insured?
Yes. It is an FDIC-insured savings and loan association (FDIC Certificate #27752). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Hibernia Bank?
Hibernia Bank's primary federal regulator is the FDIC.
How many branches does Hibernia Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Hibernia Bank's Texas Ratio?
Its Texas Ratio is 12.20% in its Q3 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 nonperforming assets against the bank's capital and reserves.
What was Hibernia Bank previously called?
The charter now named Hibernia Bank has also operated as Union Savings and Loan Association (2011-2018), per FDIC structure-change records.
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