South Lafourche Bank & Trust Company
Also written as SLB&T
BankRegReports is independent of South Lafourche Bank & Trust Company and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
South Lafourche Bank & Trust Company is an FDIC-insured commercial bank headquartered in Larose, LA, established in 1967 (FDIC certificate 19755), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $177.5M, up 8.2% from Q2 2025, the 79th largest of 102 banks headquartered in Louisiana. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.73% 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
- 19755
- Headquarters
- Larose, LA
- Established
- 1967
- Total assets, Q2 2026
- $177.5M
- Assets vs Q2 2025
- +8.2%
- Tier 1 leverage ratio, Q2 2026
- 11.73%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 065401673
- Latest call report
- Q2 2026, FFIEC 051 · South Lafourche Bank & Trust Company Q3 2026 call report, filed October 23, 2026 (preliminary)
- Holding company
- LAFOURCHE BANCSHARES, INC.
- Asset rank in state
- 79th of 102 in Louisiana
Problem loans are rising at South Lafourche Bank & Trust Company. Based in Larose, Louisiana, it had $178 million in assets at June 30, 2026, up 8.2% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 6.95% of loans from 2.03% a year earlier. It spends about 87 cents to bring in each dollar of revenue, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). It also carries problem assets equal to 45.4% of the capital and reserves that would absorb them, 17.2 times the median of 2.6% for banks its size.
Loans are outrunning deposits: over the year loans rose 16.4% and deposits rose 4.6%. The commercial and industrial book ($29 million) is worsening: 30.67% of it is past due or on nonaccrual, up from 3.31% a year earlier. Profitability lags: it returns 4.2% a year on shareholders' equity, about a third the median of 12.5% for banks its size.
As of June 30, 2026, South Lafourche Bank & Trust Company reported a return on assets of 0.47%, a nonperforming-loan ratio of 6.95% and a Texas ratio of 45.43%. The figures come from its call report filed with the FFIEC.
Of the 102 banks headquartered in Louisiana, South Lafourche Bank & Trust Company is the 79th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.1% to $177.5M, loans rose 2.0% and deposits rose 0.3%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 33.8% of total loans, ahead of commercial and industrial loans at 20.1%. The FDIC Summary of Deposits lists 4 offices for it, in 4 cities in LA; its Larose office books 57% of its branch deposits. By the capital ratios in its Q2 2026 call report, South Lafourche Bank & Trust Company meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 13226 W Main St, Larose, LA 70373
- County
- Lafourche
- Metro Area
- Houma-Bayou Cane-Thibodaux, LA
- 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 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- October 13, 1967
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 43
- Domestic deposits
- $147.8M
- Allowance for credit losses
- $2.6M
- Net charge-offs (YTD)
- $17K
- Average total assets
- $177.5M
- Average total loans
- $139.0M
- Average interest-bearing deposits
- $111.4M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 13, 1967
- FDIC Cert
- 19755
- Fed RSSD
- 135836
- Website
- www.slbank.com →
- Parent Holding Company
- LAFOURCHE BANCSHARES, INC. (RSSD 1082236)
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, South Lafourche Bank & Trust Company 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, South Lafourche Bank & Trust Company's total assets ranged from $164.1M (Q2 2025) to $177.5M (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
$177.5M total assets against $164.1M; $158.0M total liabilities against $145.3M.
$141.1M net loans and leases against $120.5M; $147.8M total deposits against $141.3M.
$22.6M securities against $23.7M; $7.2M cash and balances due against $14.0M.
$2.3M total interest income against $2.2M; $754K total interest expense against $702K.
$1.6M net interest income against $1.5M.
$151K total noninterest income against $132K; $1.5M total noninterest expense against $1.5M.
$15K provision for credit losses against $0.
$208K net income against $211K.
0.47% return on assets against 0.51%; 3.55% net interest margin against 3.71%.
11.73% tier 1 leverage ratio against 12.45%.
Inside the full South Lafourche Bank & Trust Company 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.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
South Lafourche Bank & Trust Company rankings
Its closest position to the top of a national ranking is 15 of 3,640, for Texas Ratio; its furthest is 3,413 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.29% (Q1 2025) to 2.46% (Q4 2025) and its net interest margin ran from 3.46% (Q1 2025) to 4.25% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.73% | 0.47% | 6.95% | 45.43% | 3.55% |
| Q1 2026 | 12.07% | 0.91% | 5.04% | 32.10% | 3.82% |
| Q4 2025 | 12.62% | 2.46% | 1.44% | 8.93% | 3.97% |
| Q3 2025 | 12.51% | 1.25% | 1.89% | 10.58% | 4.25% |
| Q2 2025 | 12.45% | 0.51% | 2.03% | 11.60% | 3.71% |
| Q1 2025 | 11.95% | 0.29% | 1.67% | 9.67% | 3.46% |
| Q4 2024 | 11.57% | 1.16% | 1.78% | 10.82% | 3.58% |
| Q3 2024 | 11.48% | 0.80% | 1.06% | 6.43% | 3.67% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 |
|---|---|---|---|
| South Lafourche Bank & Trust Company (main office) | Larose , LA | 70373 | $84.0M |
| Galliano Branch | Galliano , LA | 70354 | $32.0M |
| Golden Meadow Branch | Golden Meadow , LA | 70357 | $20.6M |
| Sl Bank - Lockport Branch | Lockport , LA | 70374 | $11.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in LA, rank 89 of 118 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 65 applications, 42 loans originated, $8.0M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $89K approved, $89K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2000 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows South Lafourche Bank & Trust Company’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about South Lafourche Bank & Trust Company
What are South Lafourche Bank & Trust Company's total assets?
As of the Q2 2026 filing, South Lafourche Bank & Trust Company reported total assets of $177.5 million in its FFIEC call report.
Where is South Lafourche Bank & Trust Company headquartered?
It is headquartered in Larose, LA, United States.
When was South Lafourche Bank & Trust Company founded?
It was established in 1967, per the FDIC institution directory.
Is South Lafourche Bank & Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #19755). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates South Lafourche Bank & Trust Company?
South Lafourche Bank & Trust Company's primary federal regulator is the FDIC.
How many branches does South Lafourche Bank & Trust Company operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is South Lafourche Bank & Trust Company's Texas Ratio?
Its Texas Ratio is 45.43% 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.
Go deeper on South Lafourche Bank & Trust Company.
Get an email when South Lafourche Bank & Trust Company files its next call report, and benchmark it against any peer you choose.
Unlock South Lafourche Bank & Trust Company, freeFree account