St. Landry Bank and Trust Company
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Data as of · sourced from FFIEC call reports. How we update
St. Landry Bank and Trust Company is an FDIC-insured commercial bank headquartered in Opelousas, LA, established in 1931 (FDIC certificate 8534), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $294.9M, down 0.1% from Q2 2025, the 61st largest of 102 banks headquartered in Louisiana. Its CET1 capital ratio was 26.65% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 8534
- Headquarters
- Opelousas, LA
- Established
- 1931
- Total assets, Q2 2026
- $294.9M
- Assets vs Q2 2025
- -0.1%
- CET1 ratio, Q2 2026
- 26.65%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 065200612
- Latest call report
- Q2 2026, FFIEC 051 · St. Landry Bank and Trust Company call report
- Holding company
- ST. LANDRY BANCSHARES, INC.
- Asset rank in state
- 61st of 102 in Louisiana
Problem loans are rising at St. Landry Bank and Trust Company. It reported $295 million in assets at June 30, 2026. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 3.42% of loans from 1.25% a year earlier. It earns about $0.38 a year on every $100 of assets, about a third the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 88 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Earnings fell sharply: quarterly net income of $276,000 was 63% below a year earlier. Over the same year, loans grew 5.8% and deposits shrank 1.6%. Its margin is thin by comparison: it keeps 3.07 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, St. Landry Bank and Trust Company reported a CET1 capital ratio of 26.65%, a return on assets of 0.38%, a nonperforming-loan ratio of 3.42% and a Texas ratio of 10.65%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, St. Landry Bank and Trust Company is the 61st largest of the 102 banks headquartered in Louisiana. Between Q1 2026 and Q2 2026, its total assets fell 0.5% to $294.9M, loans rose 2.1% and deposits fell 0.9%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 30.2% of total loans, followed by construction and land development loans at 15.7%. Its 7 offices in the FDIC Summary of Deposits are in 6 cities in LA; its Opelousas 2 offices book 68% of its branch deposits. Judged on its Q2 2026 call report, St. Landry Bank and Trust Company meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 132 E Landry St, Opelousas, LA 70570
- County
- St. Landry
- Metro Area
- Opelousas, 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
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1931
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 63
- Domestic deposits
- $269.7M
- Allowance for credit losses
- $2.1M
- Net charge-offs (YTD)
- $66K
- Average total assets
- $292.3M
- Average total loans
- $82.4M
- Average interest-bearing deposits
- $157.4M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8534
- Fed RSSD
- 885430
- Website
- http://www.stlandrybank.com →
- Parent Holding Company
- ST. LANDRY BANCSHARES, INC. (RSSD 1417203)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, St. Landry Bank and Trust Company's total assets ranged from $278.9M (Q3 2023) to $298.6M (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
$294.9M total assets against $295.2M; $270.4M total liabilities against $274.6M.
$80.7M net loans and leases against $76.1M; $269.7M total deposits against $274.0M.
$177.9M securities against $181.0M; $30.8M cash and balances due against $33.0M.
$2.5M total interest income against $2.5M; $337K total interest expense against $427K.
$2.2M net interest income against $2.1M.
$194K total noninterest income against $175K; $2.1M total noninterest expense against $1.9M.
$0 provision for credit losses against -$400K.
$276K net income against $746K.
0.38% return on assets against 1.02%; 3.07% net interest margin against 2.92%.
26.65% CET1 capital ratio against 27.21%; 11.20% tier 1 leverage ratio against 11.36%.
Inside the full St. Landry Bank and 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.
St. Landry Bank and Trust Company rankings
Its closest position to the top of a national ranking is 124 of 2,134, for CET1 ratio; its furthest is 3,445 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.08% (Q4 2025) to 2.09% (Q4 2024) and its net interest margin ran from 2.62% (Q4 2024) to 3.07% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 26.65% | 0.38% | 3.42% | 10.65% | 3.07% |
| Q1 2026 | 26.08% | 0.16% | 3.39% | 11.24% | 2.77% |
| Q4 2025 | 27.09% | 0.08% | 3.44% | 11.14% | 2.95% |
| Q3 2025 | 26.39% | 0.21% | 1.13% | 4.31% | 2.94% |
| Q2 2025 | 27.21% | 1.02% | 1.25% | 4.92% | 2.92% |
| Q1 2025 | 27.45% | 0.47% | 3.12% | 11.54% | 2.67% |
| Q4 2024 | 27.93% | 2.09% | 3.23% | 12.02% | 2.62% |
| Q3 2024 | 26.91% | 0.36% | 1.51% | 6.13% | 2.64% |
Swipe the table sideways to see every column.
Branch Network
View all 7 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 |
|---|---|---|---|
| St. Landry Bank and Trust Company (main office) | Opelousas , LA | 70570 | $180.7M |
| Eunice Branch | Eunice , LA | 70535 | $66.2M |
| Lafayette Branch | Lafayette , LA | 70503 | $10.6M |
| Port Barre Branch | Port Barre , LA | 70577 | $4.3M |
| Carencro Branch | Carencro , LA | 70520 | $3.0M |
| Motor Branch South | Opelousas , LA | 70570 | $2.8M |
| Scott Branch | Scott , LA | 70583 | $2.1M |
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 |
|---|---|---|---|
| March 13, 1992 | Structure Change | Acquired Progressive National Bank of Rayne Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| March 12, 1992 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 1990 | Structure Change | Acquired First Louisiana Federal Savings Bank, F.A. Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| November 30, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC (former OTS)); 1 against individuals associated with it. These actions name the parent holding company, ST. LANDRY BANCSHARES, INC., not the bank itself
- September 18, 1991, OCC (former OTS): Supervisory Agreement: St. Landry Homestead Federal Savings Bank
- Period: Most recent institution action September 18, 1991. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in LA, rank 69 of 118 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $130K approved, $130K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2003 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), 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 St. Landry Bank and Trust Company
What are St. Landry Bank and Trust Company's total assets?
As of the Q2 2026 filing, St. Landry Bank and Trust Company reported total assets of $294.9 million in its FFIEC call report.
Where is St. Landry Bank and Trust Company headquartered?
It is headquartered in Opelousas, LA, United States.
When was St. Landry Bank and Trust Company founded?
It was established in 1931, per the FDIC institution directory.
Is St. Landry Bank and Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #8534). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates St. Landry Bank and Trust Company?
St. Landry Bank and Trust Company's primary federal regulator is the FDIC.
What is St. Landry Bank and Trust Company's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 26.65% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does St. Landry Bank and Trust Company operate?
It operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is St. Landry Bank and Trust Company's Texas Ratio?
Its Texas Ratio is 10.65% 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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