Louisiana National Bank
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Data as of · sourced from FFIEC call reports. How we update
Louisiana National Bank is an FDIC-insured commercial bank headquartered in Ruston, LA, established in 1935 (FDIC certificate 15059), and it is supervised by the OCC. At Q2 2026 it reported total assets of $474.0M, up 5.7% from Q2 2025, the 43rd largest of 102 banks headquartered in Louisiana. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.49% 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
- 15059
- Headquarters
- Ruston, LA
- Established
- 1935
- Total assets, Q2 2026
- $474.0M
- Assets vs Q2 2025
- +5.7%
- Tier 1 leverage ratio, Q2 2026
- 10.49%
- Domestic offices
- 10 FDIC institution directory, current count
- Routing number
- 111101225
- Latest call report
- Q2 2026, FFIEC 051 · Louisiana National Bank call report
- Holding company
- LOUISIANA BANCSHARES, INC.
- Asset rank in state
- 43rd of 102 in Louisiana
Louisiana National Bank earns an unusually wide margin on its lending. Its balance sheet stood at $474 million at June 30, 2026, up 5.7% from a year earlier; it is based in Ruston, Louisiana. It keeps 6.34 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). On the other hand, it holds commercial real estate loans worth 3.4 times its capital, about triple the median of 1.2 times for banks its size.
Earnings jumped: net income for the quarter was $2.5 million, 39% above the same quarter a year earlier. Over the same year, loans grew 9.0% and deposits grew 4.2%. Credit is the area to watch: it carries problem assets equal to 15.5% of the capital and reserves that would absorb them, 5.9 times the median of 2.6% for banks its size.
As of June 30, 2026, Louisiana National Bank reported a return on assets of 2.10%, a nonperforming-loan ratio of 1.41% and a Texas ratio of 15.53%. The figures come from its call report filed with the FFIEC.
Louisiana National Bank ranks as the 43rd largest of the 102 banks based in Louisiana, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.1% to $474.0M, loans rose 1.9% and deposits fell 1.0%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 23.5% of total loans, followed by owner-occupied commercial real estate loans at 20.5%. The FDIC Summary of Deposits lists 9 offices for it, in 6 cities in LA; its Ruston 4 offices book 35% of its branch deposits. Judged on its Q2 2026 call report, Louisiana National Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 2001 N Trenton St, Ruston, LA 71270
- County
- Lincoln
- Metro Area
- Ruston, 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 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- March 20, 1935
- Former names
- First National Bank (2000-2021); First National Bank, Bienville Parish (1986-2000)
- Domestic offices
- 10 FDIC institution directory, current count
- Employees (FTE)
- 75
- Domestic deposits
- $413.7M
- Allowance for credit losses
- $4.5M
- Net charge-offs (YTD)
- $18K
- Average total assets
- $467.8M
- Average total loans
- $409.4M
- Average interest-bearing deposits
- $395.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 20, 1935
- FDIC Cert
- 15059
- Fed RSSD
- 109659
- Website
- www.ln.bank →
- Parent Holding Company
- LOUISIANA BANCSHARES, INC. (RSSD 1133400)
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, Louisiana National 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 Q2 2026, Louisiana National Bank's total assets ran between $446.4M (Q4 2024) and $480.3M (Q4 2025), 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
$474.0M total assets against $448.6M; $425.0M total liabilities against $405.7M.
$414.9M net loans and leases against $380.6M; $413.7M total deposits against $397.2M.
$15.2M securities against $15.1M; $8.0M cash and balances due against $17.5M.
$8.7M total interest income against $8.2M; $1.8M total interest expense against $2.1M.
$6.9M net interest income against $6.1M.
$569K total noninterest income against $593K; $4.1M total noninterest expense against $4.1M.
$97K provision for credit losses against $175K.
$2.5M net income against $1.8M.
2.10% return on assets against 1.60%; 6.34% net interest margin against 5.98%.
10.49% tier 1 leverage ratio against 9.75%.
Inside the full Louisiana National 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 exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Louisiana National Bank rankings
Its closest position to the top of a national ranking is 287 of 3,640, for Texas Ratio; its furthest is 1,841 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.28% (Q3 2024) to 2.69% (Q4 2024) and its net interest margin ran from 5.15% (Q3 2024) to 6.34% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.49% | 2.10% | 1.41% | 15.53% | 6.34% |
| Q1 2026 | 9.86% | 1.69% | 1.44% | 16.36% | 5.90% |
| Q4 2025 | 9.79% | 2.23% | 1.07% | 16.98% | 6.23% |
| Q3 2025 | 9.78% | 1.82% | 1.70% | 17.99% | 6.12% |
| Q2 2025 | 9.75% | 1.60% | 1.67% | 17.84% | 5.98% |
| Q1 2025 | 9.31% | 1.49% | 2.16% | 18.47% | 5.63% |
| Q4 2024 | 9.21% | 2.69% | 2.41% | 21.58% | 5.47% |
| Q3 2024 | 9.58% | 1.28% | 2.39% | 20.79% | 5.15% |
Swipe the table sideways to see every column.
Branch Network
View all 9 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 |
|---|---|---|---|
| Louisiana National Bank (main office) | Ruston , LA | 71270 | $118.9M |
| Arcadia Branch | Arcadia , LA | 71001 | $102.0M |
| Baton Rouge Office Branch | Baton Rouge , LA | 70809 | $58.5M |
| Farmerville Branch | Farmerville , LA | 71241 | $42.3M |
| West Monroe Cypress St Branch | West Monroe , LA | 71291 | $38.1M |
| Monroe 18th Street Branch | Monroe , LA | 71201 | $28.0M |
| Ruston Downtown Branch | Ruston , LA | 71270 | $20.0M |
| 33 Branch | Ruston , LA | 71270 | $5.9M |
| Www.Ln.Bank Branch | Ruston , LA | 71270 | $0 |
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 |
|---|---|---|---|
| December 31, 1986 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 31, 1986 | Structure Change | Acquired Citizens B&TC 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 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- May 16, 1990, OCC: Formal Agreement: First National Bank Bienville Parish
- Period: Most recent institution action May 16, 1990. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in LA, rank 49 of 118 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 124 applications, 88 loans originated, $37.7M originated, across 6 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $1.5M approved, $755K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2012 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 Louisiana National Bank
What are Louisiana National Bank's total assets?
As of the Q2 2026 filing, Louisiana National Bank reported total assets of $474.0 million in its FFIEC call report.
Where is Louisiana National Bank headquartered?
It is headquartered in Ruston, LA, United States.
When was Louisiana National Bank founded?
It was established in 1935, per the FDIC institution directory.
Is Louisiana National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15059). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Louisiana National Bank?
Louisiana National Bank's primary federal regulator is the OCC.
How many branches does Louisiana National Bank operate?
It operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Louisiana National Bank's Texas Ratio?
Its Texas Ratio is 15.53% 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.
What was Louisiana National Bank previously called?
The charter now named Louisiana National Bank has also operated as First National Bank (2000-2021), First National Bank, Bienville Parish (1986-2000), per FDIC structure-change records.
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