TellerScore

Headquartered in Coushatta, Louisiana, Bank of Coushatta is a state-chartered bank with $317.1M in total assets and $244.7M in deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1897.

Bank of Coushatta has a TellerScore of 34 out of 100 (low) based on Q2 2026 data — higher than only 1% of its 2,650 banks with $100 million – $1 billion. Among 104 banks headquartered in Louisiana, it ranks 104th. Funding & liquidity contributes the most (68/100, 59% loans-to-deposits, 44% uninsured); loan quality contributes the least (0/100, 6.52%).

TellerScore · Q2 2026

Scorecard

Capital cushion42/100
Tier 1 leverage ratio: 9.23%
Loan quality0/100
Noncurrent loans ÷ total loans: 6.52%
Earnings40/100
Return on assets (annualized): 0.50%
Funding & liquidity68/100
Loans ÷ deposits and uninsured-deposit share: 58.7% · 44.2% uninsured
Problem-loan coverage32/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 34.19%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 15 points (49 → 34), mostly because the problem-loan coverage component weakened by 49 points.

TellerScore
334454Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202448
Q3 202450
Q4 202449
Q1 202547
Q2 202549
Q3 202534
Q4 202554
Q1 202633
Q2 202634
Tier 1 leverage ratio
5.00%7.35%9.70%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.62%
Q3 20249.68%
Q4 20249.70%
Q1 20259.13%
Q2 20259.37%
Q3 20259.59%
Q4 20259.55%
Q1 20269.03%
Q2 20269.23%
Noncurrent loans
1.07%4.07%7.08%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.64%
Q3 20241.54%
Q4 20241.66%
Q1 20251.76%
Q2 20251.71%
Q3 20255.96%
Q4 20251.07%
Q1 20267.08%
Q2 20266.52%
Return on assets
0.23%0.37%0.50%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.23%
Q3 20240.30%
Q4 20240.31%
Q1 20250.44%
Q2 20250.46%
Q3 20250.40%
Q4 20250.42%
Q1 20260.49%
Q2 20260.50%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202634$317.1M9.23%6.52%0.50%58.7%
Q1 202633$324.4M9.03%7.08%0.49%53.2%
Q4 202554$318.1M9.55%1.07%0.42%55.9%
Q3 202534$306.0M9.59%5.96%0.40%60.4%
Q2 202549$306.0M9.37%1.71%0.46%59.5%
Q1 202547$312.4M9.13%1.76%0.44%55.5%
Q4 202449$299.0M9.70%1.66%0.31%56.2%
Q3 202450$294.8M9.68%1.54%0.30%62.7%
Q2 202448$291.7M9.62%1.64%0.23%60.4%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.23%
16th
Total risk-based capital15.20%
69th
Problem loans6.52%
1st
Net charge-offs0.15%
15th
Return on assets0.50%
12th
Net interest margin2.66%
4th
Efficiency ratio80.0%
14th
Loans to deposits58.7%
84th
Uninsured deposits44.2%
7th
Loan-loss reserves1.41%
73rd
Texas ratio34.2%
2nd

Similar-size banks in Louisiana

InstitutionScoreAssetsCapitalProblem loansCompare
Guaranty Bank and Trust CompanyBank New Roads, LA58 out of 100, Moderate$318.5M13.8%3.99%vs
Washington State BankBank Washington, LA63 out of 100, Moderate$309.2M10.8%1.29%vs
Citizens Savings BankBank Bogalusa, LA81 out of 100, Strong$329.1M14.3%0.74%vs
Patterson State BankBank Patterson, LA50 out of 100, Below average$330.7M8.9%1.78%vs
Caldwell Bank & Trust CompanyBank Columbia, LA41 out of 100, Below average$298.6M10.0%2.86%vs
St. Landry Bank and Trust CompanyBank Opelousas, LA46 out of 100, Below average$294.9M11.2%3.42%vs

Deposit insurance

Is my money safe at Bank of Coushatta?

Yes. Bank of Coushatta is an FDIC-insured institution (FDIC certificate #8531). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 44.2% of deposits ($108.3M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.23%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.20% (benchmark: 10%).

Check how much of your own balance is covered

3 locations

Branches

Bank of Coushatta lists 3 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Bank of Coushatta reported 68 home-loan applications under HMDA (LEI 894500TYEZ2FD95KS426): 63 originated ($13,675,000 total), 1 denied, and 4 withdrawn or closed by the applicant. Its denial rate on decided applications was 1.6%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Bank of Coushatta
Type
State-chartered bank
FDIC certificate #
8531
RSSD ID
926959
Primary regulator
FDIC
Holding company
Coushatta Bancshares Inc
Established
August 1, 1897
Headquarters
1525 Ringgold Ave, Coushatta, LA 71019
Employees
38

Quick answers

Bank of Coushatta: common questions

Is Bank of Coushatta FDIC insured?

Yes. Bank of Coushatta is an FDIC-insured institution (FDIC certificate #8531). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Bank of Coushatta's TellerScore?

34 out of 100 (Low), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Bank of Coushatta ever failed?

There is no failure record for FDIC certificate #8531 in the FDIC failed bank list.

How many branches does Bank of Coushatta have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Coushatta

InstitutionScoreAssetsCapitalProblem loansCompare
Engage Federal Credit UnionCredit union Natchitoches, LA86 out of 100, Very strong$28.5M21.6%0.95%vs
City Bank & Trust Co.Bank Natchitoches, LA82 out of 100, Strong$382.0M11.4%0.00%vs
Exchange Bank and Trust Company, Natchitoches, LouisianaBank Natchitoches, LA75 out of 100, Strong$212.5M11.4%0.89%vs
Community Bank of LouisianaBank Mansfield, LA74 out of 100, Strong$852.9M10.1%0.01%vs
First Federal Bank of LouisianaBank Lake Charles, LA70 out of 100, Strong$1.1B12.0%0.17%vs
Bonvenu Bank, National AssociationBank Bossier City, LA67 out of 100, Moderate$1.6B10.0%0.13%vs