Sicily Island State Bank
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Data as of · sourced from FFIEC call reports. How we update
Sicily Island State Bank is an FDIC-insured commercial bank headquartered in Sicily Island, LA, established in 1918 (FDIC certificate 12722), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $92.4M, up 13.5% from Q2 2025, the 92nd largest of 102 banks headquartered in Louisiana. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.19% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 12722
- Headquarters
- Sicily Island, LA
- Established
- 1918
- Total assets, Q2 2026
- $92.4M
- Assets vs Q2 2025
- +13.5%
- Tier 1 leverage ratio, Q2 2026
- 13.19%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 111103281
- Latest call report
- Q2 2026, FFIEC 051 · Sicily Island State Bank call report
- Asset rank in state
- 92nd of 102 in Louisiana
Sicily Island State Bank pays more for its money than most banks of its size. Its balance sheet stood at $92 million at June 30, 2026, up 13.5% from a year earlier; it is based in Sicily Island, Louisiana. It pays an average of 3.07% on its deposits and borrowings, about double the median of 1.53% for the 583 banks with less than $100 million in assets. It also holds commercial real estate loans worth 1.4 times its capital, 5.4 times the median of 26% for banks its size.
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.13% of loans from 1.18%. Loans and deposits moved in opposite directions: over the year loans fell 0.8% and deposits rose 19.0%. One more trend to watch: net income for the quarter slipped 11% from a year earlier, to $417,000.
As of June 30, 2026, Sicily Island State Bank reported a return on assets of 1.79%, a nonperforming-loan ratio of 0.13% and a Texas ratio of 0.76%. The figures come from its call report filed with the FFIEC.
Sicily Island State Bank ranks as the 92nd 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 fell 0.9% to $92.4M, loans fell 0.6% and deposits fell 1.2%. 1-4 family residential loans made up 40.1% of its total loans on June 30, 2026, its largest category; next came construction and land development loans at 21.0%. Its 2 offices in the FDIC Summary of Deposits are in Sicily Island, LA and Winnsboro, LA; its Sicily Island office books 64% of its branch deposits. On its Q2 2026 call report, Sicily Island State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 301 Newman St, Sicily Island, LA 71368
- County
- Catahoula
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- February 1, 1918
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 15
- Domestic deposits
- $72.9M
- Allowance for credit losses
- $740K
- Net charge-offs (YTD)
- -$19K
- Average total assets
- $93.1M
- Average total loans
- $74.7M
- Average interest-bearing deposits
- $64.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12722
- Fed RSSD
- 1002458
- Website
- www.sibank.net →
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, Sicily Island State 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, Sicily Island State Bank's total assets ran between $79.0M (Q3 2023) and $93.3M (Q1 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
$92.4M total assets against $81.4M; $80.3M total liabilities against $70.0M.
$72.6M net loans and leases against $73.2M; $72.9M total deposits against $61.3M.
$4.0M securities against $3.7M; $13.4M cash and balances due against $1.7M.
$1.6M total interest income against $1.5M; $556K total interest expense against $494K.
$1.1M net interest income against $1.0M.
$115K total noninterest income against $135K; $736K total noninterest expense against $697K.
$20K provision for credit losses against $0.
$417K net income against $468K.
1.79% return on assets against 2.14%; 4.74% net interest margin against 4.80%.
13.19% tier 1 leverage ratio against 13.35%.
Inside the full Sicily Island State 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.
Sicily Island State Bank rankings
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.75% (Q1 2026) to 2.42% (Q3 2024) and its net interest margin ran from 4.53% (Q1 2026) to 5.33% (Q3 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.19% | 1.79% | 0.13% | 0.76% | 4.74% |
| Q1 2026 | 12.56% | 1.75% | 0.22% | 1.32% | 4.53% |
| Q4 2025 | 12.34% | 2.12% | 0.14% | 0.85% | 4.96% |
| Q3 2025 | 13.83% | 2.26% | 0.46% | 2.66% | 5.10% |
| Q2 2025 | 13.35% | 2.14% | 1.18% | 7.16% | 4.80% |
| Q1 2025 | 13.24% | 2.35% | 1.00% | 6.17% | 5.22% |
| Q4 2024 | 12.60% | 2.28% | 0.23% | 1.40% | 5.13% |
| Q3 2024 | 13.07% | 2.42% | 0.28% | 1.66% | 5.33% |
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 |
|---|---|---|---|
| Sicily Island State Bank (main office) | Sicily Island , LA | 71368 | $46.8M |
| Winnsboro Branch | Winnsboro , LA | 71295 | $26.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in LA, rank 107 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 Sicily Island State Bank
What are Sicily Island State Bank's total assets?
As of the Q2 2026 filing, Sicily Island State Bank reported total assets of $92.4 million in its FFIEC call report.
Where is Sicily Island State Bank headquartered?
It is headquartered in Sicily Island, LA, United States.
When was Sicily Island State Bank founded?
It was established in 1918, per the FDIC institution directory.
Is Sicily Island State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #12722). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Sicily Island State Bank?
Sicily Island State Bank's primary federal regulator is the FDIC.
How many branches does Sicily Island State Bank 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 Sicily Island State Bank's Texas Ratio?
Its Texas Ratio is 0.76% 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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