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Liquidity & Balance Sheet · Louisiana

US Banks with Highest Loan-to-Deposit Ratio in Louisiana

Ranked among banks headquartered in Louisiana. Re-ranked 1-97 within the state from the same national ranking population.

#1 Loan-to-Deposit Ratio: FIRST NATIONAL BANKERS BANK — 140.10% . The Loan-to-Deposit Ratio (LTD) measures loans against deposits — a high ratio means deposits are fully deployed and the bank may rely on wholesale funding to grow loans.

Ranked: 97 banks with reported data Showing: Top 97 Source: FFIEC call reports (Q1 2026) What is this metric? See the US Banks with … glossary entry Go deeper: What Is the Loan-to-Deposit Ratio? A Bank Guide
# Bank HQ US Banks with … Total Assets
1 First National Bankers Bank Baton Rouge , LA 140.10% $1.16B
2 Evangeline Bank and Trust Company, the Ville Platte , LA 101.37% $1.12B
3 Homeland Federal Savings Bank Columbia , LA 99.66% $643.2M
4 Resource Bank Covington , LA 99.35% $935.4M
5 Commercial Capital Bank Delhi , LA 98.99% $569.6M
6 Louisiana National Bank Ruston , LA 98.52% $473.5M
7 South Lafourche Bank & Trust Company Larose , LA 95.61% $177.4M
8 Beauregard Federal Savings Bank Deridder , LA 95.08% $103.6M
9 Heritage Bank of Saint Tammany Covington , LA 94.85% $167.9M
10 Investar Bank, N.A. Baton Rouge , LA 94.78% $3.87B
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11 Fifth District Savings Bank New Orleans , LA 93.07% $535.3M
12 Hibernia Bank New Orleans , LA 93.06% $244.7M
13 First National Bank of Jeanerette, the Jeanerette , LA 92.86% $638.1M
14 Sabine State Bank and Trust Company Many , LA 91.50% $1.36B
15 Citizens Savings Bank Bogalusa , LA 90.97% $326.4M
16 Simmesport State Bank Simmesport , LA 90.29% $201.6M
17 Home Bank, N.A. Lafayette , LA 90.00% $3.54B
18 B1bank Baton Rouge , LA 89.48% $8.90B
19 Origin Bank Choudrant , LA 89.47% $10.09B
20 Gibsland Bank & Trust Company Gibsland , LA 89.04% $575.1M
21 Feliciana Bank & Trust Company Clinton , LA 88.88% $170.9M
22 United Community Bank Raceland , LA 88.33% $681.3M
23 Bank of Oak Ridge Oak Ridge , LA 88.29% $135.3M
24 Bank of Sunset & Trust Company Sunset , LA 88.26% $196.2M
25 Winnsboro State Bank & Trust Company Winnsboro , LA 87.61% $412.5M
26 Citizens Progressive Bank Winnsboro , LA 87.15% $250.0M
27 Bom Bank Natchitoches , LA 87.11% $1.52B
28 Progressive Bank Monroe , LA 86.91% $768.0M
29 Metairie Bank & Trust Company Metairie , LA 86.11% $658.3M
30 Currency Bank Oak Grove , LA 85.81% $248.0M
31 American Bank & Trust Company Opelousas , LA 85.79% $258.1M
32 Bank of ST. Francisville Saint Francisville , LA 85.53% $397.9M
33 Citizens Bank and Trust Company Plaquemine , LA 85.29% $471.4M
34 Bank, the Jennings , LA 85.23% $451.4M
35 Fidelity Bank New Orleans , LA 85.19% $1.27B
36 Home Federal Bank Shreveport , LA 84.46% $641.9M
37 Washington State Bank Washington , LA 83.85% $303.6M
38 Caldwell Bank & Trust Company Columbia , LA 83.73% $293.3M
39 Century Next Bank Ruston , LA 83.53% $913.3M
40 Bank of Zachary Zachary , LA 83.16% $422.2M
41 Hodge Bank & Trust Company Hodge , LA 83.04% $119.9M
42 Cross Keys Bank Saint Joseph , LA 82.90% $627.0M
43 Lakeside Bank Lake Charles , LA 82.78% $375.7M
44 M C Bank & Trust Company Morgan City , LA 81.68% $489.8M
45 Catalyst Bank Opelousas , LA 81.57% $285.3M
46 Gulf Coast Bank and Trust Company New Orleans , LA 81.42% $3.71B
47 Guaranty Bank & Trust Company of Delhi Delhi , LA 80.95% $451.1M
48 Delta Bank Vidalia , LA 79.91% $618.1M
49 Landmark Bank Clinton , LA 79.61% $233.3M
50 Synergy Bank Houma , LA 78.51% $1.26B
51 Southern Heritage Bank Jonesville , LA 78.40% $402.6M
52 First National Bank of Louisiana Crowley , LA 78.17% $629.2M
53 Guaranty Bank and Trust Company New Roads , LA 77.81% $323.0M
54 Marion State Bank Marion , LA 77.46% $240.2M
55 Bonvenu Bank, N.A. Bossier City , LA 77.21% $1.58B
56 Red River Bank Alexandria , LA 76.44% $3.35B
57 Progressive National Bank Mansfield , LA 75.90% $124.0M
58 American Bank Covington , LA 75.56% $359.3M
59 Farmers-Merchants Bank & Trust Company Breaux Bridge , LA 74.66% $448.2M
60 State Bank & Trust Company Golden Meadow , LA 74.42% $155.3M
61 Community First Bank New Iberia , LA 74.35% $790.2M
62 Anthem Bank & Trust Plaquemine , LA 73.83% $199.1M
63 Cottonport Bank, the Cottonport , LA 72.98% $581.1M
64 Bank of Louisiana New Orleans , LA 71.45% $103.8M
65 Citizens Bank & Trust Company Covington , LA 70.16% $188.4M
66 First American Bank and Trust Vacherie , LA 70.01% $1.39B
67 Tensas State Bank Newellton , LA 69.45% $184.5M
68 Jd Bank Jennings , LA 68.70% $1.26B
69 City Bank & Trust CO. Natchitoches , LA 68.54% $378.1M
70 Clb the Community Bank Jonesville , LA 67.65% $343.9M
71 Gulf Coast Bank Abbeville , LA 66.44% $516.3M
72 Rayne State Bank & Trust Company Rayne , LA 66.39% $573.8M
73 South Louisiana Bank Houma , LA 65.21% $675.5M
74 Liberty Bank and Trust Company New Orleans , LA 64.98% $1.11B
75 Patterson State Bank Patterson , LA 64.60% $332.0M
76 First National Bank in Deridder Deridder , LA 63.33% $425.1M
77 First Federal Bank of Louisiana Lake Charles , LA 62.61% $1.18B
78 Concordia Bank & Trust Company Vidalia , LA 61.42% $672.3M
79 Bank of Abbeville & Trust Company Abbeville , LA 58.50% $246.4M
80 Franklin State Bank & Trust Company Winnsboro , LA 57.08% $227.2M
81 Merchants & Farmers Bank & Trust Company Leesville , LA 55.85% $536.3M
82 First National Bank USA Boutte , LA 55.82% $239.9M
83 First Guaranty Bank Hammond , LA 54.80% $3.96B
84 Bank of Coushatta Coushatta , LA 54.00% $324.4M
85 Vermilion Bank & Trust Company Kaplan , LA 51.61% $149.0M
86 Exchange Bank and Trust Company Natchitoches , LA 51.17% $221.0M
87 Farmers State Bank & Trust Company Church Point , LA 48.95% $174.2M
88 Colfax Banking Company Colfax , LA 48.33% $151.1M
89 Citizens Bank & Trust Company of Vivian, Louisiana Vivian , LA 47.78% $155.8M
90 Plaquemine Bank and Trust Company Plaquemine , LA 47.37% $222.1M
91 Bank of Erath Erath , LA 45.81% $108.6M
92 Bank of Winnfield & Trust Company Winnfield , LA 39.53% $153.5M
93 Crescent Bank Metairie , LA 39.36% $1.01B
94 Community Bank of Louisiana Mansfield , LA 36.16% $854.4M
95 Bank of Commerce & Trust Company Crowley , LA 30.22% $374.6M
96 ST. Landry Bank and Trust Company Opelousas , LA 29.85% $296.3M
97 Jonesboro State Bank Jonesboro , LA 6.63% $1.28B

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All data sourced from the most recent FFIEC call report filings, refreshed each quarter as new filings are processed. This leaderboard excludes banks with total assets under $100,000K to filter out anomalous micro-bank ratios. See /data-updates/ for the current data freshness window.

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