Bank Safety Analysis
Is Nola Bank Safe? New Orleans, Louisiana
Based on its Q3 2026 call report, Nola Bank meets every capital ratio test for well capitalized, its Texas ratio is 0.00%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer: is Nola Bank safe?
On its Q3 2026 call report, Nola Bank's CET1 ratio is 368.03%, above the 6.5% well-capitalized threshold.
- CET1 ratio (Q3 2026): 368.03%
- Tier 1 leverage ratio (Q3 2026): 91.35%
- Texas ratio (Q3 2026): 0.00%
- Noncurrent loans ratio (Q3 2026): not reported
Nola Bank is an FDIC-insured commercial bank (FDIC Certificate #59364). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report Nola Bank (FDIC Certificate #59364) filed for the quarter ended September 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
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Nola Bank is outside the pass range on 1 of 4 safety dimensions: operating efficiency. Capital and leverage are above their regulatory minimums. The failed band is a BankRegReports band, not a supervisory threshold.
As of Q3 2026, Nola Bank ranks first in Louisiana on CET1 ratio among 44 banks, at 368.03%. Nola Bank's CET1 ratio of 368.03% is well above the 19.96% median for banks in the < $100M asset tier, a gap of 348.07 points (Q3 2026).
Of the 103 banks headquartered in Louisiana, Nola Bank is the smallest by total assets at Q3 2026. Against the 567 banks with under $100M in assets for Q3 2026, Nola Bank's CET1 ratio of 368.03% is above the 19.96% median, Tier 1 leverage ratio of 91.35% is above the 12.88% median, Texas ratio of 0.00% is below the 1.89% median, and efficiency ratio of 1156.19% is above the 69.32% median.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
Nola Bank's composite risk score is 1.71 out of 100, on the model's 1-year horizon. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. How the failure model was trained and tested.
The risk tier comes from the composite score; the 12-month figure rounds to zero for this bank, so it is not shown beside a tier above Low.
How does Nola Bank score on capital, credit and costs?
Peer cohort: Under $100M (568 banks) · Industry averages as of Q3 2026.
Median of the 567 banks with under $100M in assets, Q3 2026: 19.96%.
Median of the 567 banks with under $100M in assets, Q3 2026: 12.88%.
Median of the 567 banks with under $100M in assets, Q3 2026: 1.89%.
Median of the 567 banks with under $100M in assets, Q3 2026: 69.32%.
Does Nola Bank trip any risk screens?
Latest filing (Q3 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | 368.03% | Within range |
| Texas ratio BankRegReports band | 0.00% | Within range |
| Nonperforming loan ratio BankRegReports band | — | Not reported |
| Uninsured deposit share BankRegReports band | — | Not reported |
| Loan-to-deposit ratio BankRegReports band | 0.00% | Within range |
| Commercial real estate to capital supervisory threshold | 0.00% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Within range |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Nola Bank FDIC insured?
Yes. Nola Bank is an FDIC-insured commercial bank (FDIC Certificate #59364). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is Nola Bank well capitalized?
On its Q3 2026 call report, Nola Bank's CET1 ratio is 368.03%, above the 6.5% well-capitalized threshold. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the FDIC, applies.
What are Nola Bank's key safety ratios?
For Q3 2026, Nola Bank reports CET1 368.03%, leverage 91.35%, Texas ratio 0.00%, noncurrent loans not reported. Its Texas ratio compares with the 1.89% median for the 567 banks with under $100M in assets.
What happens to my deposits if Nola Bank fails?
For Q3 2026, Nola Bank reported $115K in total deposits. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
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Where does this data come from?
Not investment advice. See the full Nola Bank profile.
How we score this
Capital categories follow Prompt Corrective Action (12 CFR 324.403): well capitalized at a CET1 ratio of 6.5%, Tier 1 risk-based 8%, total risk-based 10% and Tier 1 leverage 5%; adequately capitalized at 4.5%, 6%, 8% and 4%. A community bank may elect the community bank leverage ratio instead.
Nola Bank fails or is near these bands: Efficiency Ratio, pass ≤ 75% (lower is better) and fail ≥ 90%. Every ratio's definition, bands and risk screen.
Not a credit rating. Methodology.
Regulator records: FDIC BankFind (cert 59364) · FFIEC NIC profile (RSSD 5990713)
Explore: Full Nola Bank profile · Other banks in LA · Metric glossary · How the call report works
Ratio definitions: loan to deposit ratio, net interest margin, efficiency ratio, CET1 ratio, tier 1 capital and PPNR.