Asset Quality ranking · Louisiana · Call report data as of September 30, 2026
Louisiana Banks: Highest CRE Delinquency
Citizens Bank & Trust Company has the highest commercial real estate noncurrent rate of the 72 ranked banks headquartered in Louisiana, at 13.29% as of September 30, 2026. The median among the 72 ranked Louisiana banks is 0.60%, against 0.19% for all US banks. That top value sits far outside the middle half of ranked banks (0.01% to 1.36%). A rate this far from the middle usually comes from a few large problem loans or from lending to borrowers with lower credit scores, so read it beside the bank's dollar amounts and its trend.
This list ranks Louisiana banks by commercial real estate noncurrent rate. For the largest banks headquartered in Louisiana, see largest banks in Louisiana.
- No. 1 in Louisiana
- Citizens Bank & Trust Company
- Its CRE noncurrent
- 13.29%
- Louisiana median
- 0.60%
- Banks ranked
- 72
Ranked among banks headquartered in Louisiana, numbered 1 to 72 within the state from the same population as the national list. Browse every bank in the Louisiana bank directory.
Top 72 Louisiana banks by commercial real estate noncurrent rate
Highest first. Select a column heading to sort. The gap column shows each bank's distance from the Louisiana median of 0.60%. Missing values show as a dash and sort last.
| 1 | Citizens Bank & Trust Company Covington, LA | 13.29% | $179.9M $100M to $1B |
| 2 | Caldwell Bank & Trust Company Columbia, LA | 8.21% | $292.8M $100M to $1B |
| 3 | Citizens Progressive Bank Winnsboro, LA | 6.85% | $244.9M $100M to $1B |
| 4 | M C Bank & Trust Company Morgan City, LA | 4.18% | $819.4M $100M to $1B |
| 5 | CLB the Community Bank Jonesville, LA | 3.97% | $345.3M $100M to $1B |
| 6 | Crescent Bank Metairie, LA | 3.30% | $1.07B $1B to $10B |
| 7 | Commercial Capital Bank Delhi, LA | 3.08% | $625.1M $100M to $1B |
| 8 | Delta Bank Vidalia, LA | 2.63% | $640.0M $100M to $1B |
| 9 | Citizens Bank and Trust Company Plaquemine, LA | 2.41% | $469.0M $100M to $1B |
| 10 | St. Landry Bank and Trust Company Opelousas, LA | 2.40% | $270.6M $100M to $1B |
| 11 | American Bank Covington, LA | 2.36% | $385.8M $100M to $1B |
| 12 | Guaranty Bank and Trust Company New Roads, LA | 2.24% | $316.7M $100M to $1B |
| 13 | The First National Bank of Jeanerette Jeanerette, LA | 2.02% | $674.9M $100M to $1B |
| 14 | Home Bank, N.A. Lafayette, LA | 1.82% | $3.60B $1B to $10B |
| 15 | Synergy Bank Houma, LA | 1.76% | $1.30B $1B to $10B |
| 16 | Concordia Bank & Trust Company Vidalia, LA | 1.59% | $651.2M $100M to $1B |
| 17 | Homeland Federal Savings Bank Columbia, LA | 1.44% | $670.6M $100M to $1B |
| 18 | First National Bankers Bank Baton Rouge, LA | 1.41% | $1.06B $1B to $10B |
| 19 | First American Bank and Trust Vacherie, LA | 1.34% | $1.34B $1B to $10B |
| 20 | Liberty Bank and Trust Company New Orleans, LA | 1.34% | $1.12B $1B to $10B |
| 21 | The Evangeline Bank and Trust Company Ville Platte, LA | 1.28% | $1.12B $1B to $10B |
| 22 | Catalyst Bank Opelousas, LA | 1.23% | $627.9M $100M to $1B |
| 23 | Washington State Bank Washington, LA | 1.14% | $304.5M $100M to $1B |
| 24 | The Cottonport Bank Cottonport, LA | 1.13% | $605.3M $100M to $1B |
| 25 | State Bank & Trust Company Golden Meadow, LA | 0.96% | $166.4M $100M to $1B |
| 26 | Investar Bank, N.A. Baton Rouge, LA | 0.93% | $3.86B $1B to $10B |
| 27 | Gulf Coast Bank and Trust Company New Orleans, LA | 0.89% | $3.89B $1B to $10B |
| 28 | Bom Bank Natchitoches, LA | 0.87% | $1.65B $1B to $10B |
| 29 | b1BANK Baton Rouge, LA | 0.79% | $8.94B $1B to $10B |
| 30 | First Guaranty Bank Hammond, LA | 0.77% | $3.15B $1B to $10B |
| 31 | United Community Bank Raceland, LA | 0.71% | $665.7M $100M to $1B |
| 32 | Gibsland Bank & Trust Company Gibsland, LA | 0.71% | $630.9M $100M to $1B |
| 33 | Bank of Abbeville & Trust Company Abbeville, LA | 0.69% | $239.7M $100M to $1B |
| 34 | Rayne State Bank & Trust Company Rayne, LA | 0.67% | $550.8M $100M to $1B |
| 35 | Landmark Bank Clinton, LA | 0.66% | $227.8M $100M to $1B |
| 36 | Bank of Coushatta Coushatta, LA | 0.63% | $317.3M $100M to $1B |
| 37 | First National Bank in Deridder Deridder, LA | 0.57% | $406.9M $100M to $1B |
| 38 | Bank of St. Francisville Saint Francisville, LA | 0.55% | $406.6M $100M to $1B |
| 39 | South Louisiana Bank Houma, LA | 0.50% | $691.4M $100M to $1B |
| 40 | Community First Bank New Iberia, LA | 0.45% | $789.3M $100M to $1B |
| 41 | Southern Heritage Bank Jonesville, LA | 0.43% | $407.1M $100M to $1B |
| 42 | Origin Bank Choudrant, LA | 0.36% | $10.00B $10B to $100B |
| 43 | Guaranty Bank & Trust Company of Delhi Delhi, LA | 0.35% | $477.5M $100M to $1B |
| 44 | Hibernia Bank New Orleans, LA | 0.34% | $257.2M $100M to $1B |
| 45 | Gulf Coast Bank Abbeville, LA | 0.32% | $511.0M $100M to $1B |
| 46 | Sabine State Bank and Trust Company Many, LA | 0.31% | $1.35B $1B to $10B |
| 47 | Red River Bank Alexandria, LA | 0.28% | $3.37B $1B to $10B |
| 48 | JD Bank Jennings, LA | 0.24% | $1.24B $1B to $10B |
| 49 | Bank of Zachary Zachary, LA | 0.20% | $420.2M $100M to $1B |
| 50 | Farmers State Bank & Trust Company Church Point, LA | 0.19% | $169.0M $100M to $1B |
| 51 | Louisiana National Bank Ruston, LA | 0.06% | $505.8M $100M to $1B |
| 52 | Century Next Bank Ruston, LA | 0.05% | $930.9M $100M to $1B |
| 53 | Bonvenu Bank, N.A. Bossier City, LA | 0.04% | $1.52B $1B to $10B |
| 54 | Home Federal Bank Shreveport, LA | 0.01% | $655.6M $100M to $1B |
| 55 | Fidelity Bank New Orleans, LA | 0.00% | $1.21B $1B to $10B |
| 56 | First Federal Bank of Louisiana Lake Charles, LA | 0.00% | $1.12B $1B to $10B |
| 57 | Resource Bank Covington, LA | 0.00% | $993.8M $100M to $1B |
| 58 | Community Bank of Louisiana Mansfield, LA | 0.00% | $820.6M $100M to $1B |
| 59 | Metairie Bank & Trust Company Metairie, LA | 0.00% | $670.2M $100M to $1B |
| 60 | First National Bank of Louisiana Crowley, LA | 0.00% | $646.6M $100M to $1B |
| 61 | Merchants & Farmers Bank & Trust Company Leesville, LA | 0.00% | $531.4M $100M to $1B |
| 62 | The Bank Jennings, LA | 0.00% | $454.6M $100M to $1B |
| 63 | Winnsboro State Bank & Trust Company Winnsboro, LA | 0.00% | $448.4M $100M to $1B |
| 64 | City Bank & Trust Co. Natchitoches, LA | 0.00% | $382.6M $100M to $1B |
| 65 | Citizens Savings Bank Bogalusa, LA | 0.00% | $330.9M $100M to $1B |
| 66 | Anthem Bank & Trust Plaquemine, LA | 0.00% | $270.7M $100M to $1B |
| 67 | American Bank & Trust Company Opelousas, LA | 0.00% | $265.1M $100M to $1B |
| 68 | Currency Bank Oak Grove, LA | 0.00% | $256.3M $100M to $1B |
| 69 | First National Bank USA Boutte, LA | 0.00% | $250.8M $100M to $1B |
| 70 | Bank of Sunset & Trust Company Sunset, LA | 0.00% | $189.4M $100M to $1B |
| 71 | South Lafourche Bank & Trust Company Larose, LA | 0.00% | $188.0M $100M to $1B |
| 72 | Bank of Oak Ridge Oak Ridge, LA | 0.00% | $149.0M $100M to $1B |
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Definition and formula
The commercial real estate (CRE) noncurrent rate on this list is the share of a bank's loans secured by nonfarm nonresidential property, such as offices, stores, warehouses and hotels, that are on nonaccrual or 90 or more days past due and still accruing. Owner-occupied and investor-owned property are both included. Multifamily and construction loans are reported on their own lines of the call report and are not.
CRE noncurrent rate = (Nonfarm nonresidential loans on nonaccrual + Nonfarm nonresidential loans 90+ days past due and still accruing) / Nonfarm nonresidential loans
The glossary entry for Commercial Real Estate Loans explains each term, the call report items behind it and a worked example.
Which banks are ranked
This list ranks the 72 banks headquartered in Louisiana that meet every rule below, using each bank's latest FFIEC call report (data as of September 30, 2026).
- Banks with at least $100M in total assets, so a ratio on a very small balance sheet cannot lead the list.
- Banks with at least $25M in nonfarm nonresidential (commercial property) loans, so a rate on a few loans cannot lead the list.
- Lending institutions only: charters with loans under 5% of assets, mostly trust and custody banks, are not ranked.
- Charters the regulator has closed, merged or converted are excluded.
- Each bank charter ranks on its own; holding companies are not combined.
What moves the CRE noncurrent rate
The rate rises when tenants leave or rents fall far enough that a property's income no longer covers its loan payments, as has happened to many office buildings since 2020, and when a maturing loan cannot be refinanced at current rates. Owner-occupied loans depend more on the borrower's business than on the building, so a bank whose book is mostly owner-occupied tends to run a lower rate. A single large loan can move a small bank's rate by several points, so compare it with the dollar amounts and the trend.
Frequently asked questions
Which bank in Louisiana has the highest commercial real estate noncurrent rate?
Citizens Bank & Trust Company has the highest commercial real estate noncurrent rate of the 72 ranked banks headquartered in Louisiana, at 13.29% as of September 30, 2026, according to its FFIEC call report. Caldwell Bank & Trust Company ranks second at 8.21%. The median is 0.60%.
What is the median CRE noncurrent rate among ranked US banks?
As of Q3 2026, CRE noncurrent rate for the middle half of the 2,776 ranked US banks ran from 0.00% to 1.05%, and the median was 0.19%. Compare a bank with peers of the same size and business model rather than with the top of this list. See the Commercial Real Estate Loans glossary entry.
How is the CRE noncurrent rate calculated?
CRE noncurrent rate = (Nonfarm nonresidential loans on nonaccrual + Nonfarm nonresidential loans 90+ days past due and still accruing) / Nonfarm nonresidential loans. Each bank charter is ranked on its own; holding companies are not combined. See the Commercial Real Estate Loans glossary entry.
The same ranking in other states
Other Louisiana rankings
More asset quality rankings
Source: FFIEC call reports for the quarter ended September 30, 2026, refreshed as each quarter's filings are processed. See data updates for the current freshness window. Next update: Q4 2026 Call Reports are due February 1, 2027; we expect them on the platform by mid-February 2027.
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