TellerScore

Bank of St. Francisville (FDIC certificate #22739) is based in Saint Francisville, Louisiana. Its Q2 2026 call report shows $398.7M in total assets and $346.0M in deposits and 2 offices.

Bank of St. Francisville has a TellerScore of 66 out of 100 (moderate) based on Q2 2026 data — higher than only 31% of its 2,650 banks with $100 million – $1 billion. Among 104 banks headquartered in Louisiana, it ranks 65th. Problem-loan coverage contributes the most (88/100, 6.1%); capital cushion contributes the least (49/100, 9.87%).

TellerScore · Q2 2026

Scorecard

Capital cushion49/100
Tier 1 leverage ratio: 9.87%
Loan quality73/100
Noncurrent loans ÷ total loans: 0.81%
Earnings80/100
Return on assets (annualized): 1.50%
Funding & liquidity53/100
Loans ÷ deposits and uninsured-deposit share: 86.4% · 33.9% uninsured
Problem-loan coverage88/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 6.12%

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 rose 4 points (62 → 66), mostly because the earnings component improved by 8 points.

TellerScore
546270Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202454
Q3 202454
Q4 202456
Q1 202562
Q2 202562
Q3 202564
Q4 202564
Q1 202670
Q2 202666
Tier 1 leverage ratio
5.00%7.62%10.24%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.48%
Q3 20249.31%
Q4 20249.17%
Q1 20259.67%
Q2 20259.58%
Q3 20259.85%
Q4 202510.13%
Q1 202610.24%
Q2 20269.87%
Noncurrent loans
0.59%1.07%1.56%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.56%
Q3 20241.47%
Q4 20241.38%
Q1 20251.07%
Q2 20250.95%
Q3 20250.96%
Q4 20250.83%
Q1 20260.59%
Q2 20260.81%
Return on assets
1.06%1.35%1.64%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.06%
Q3 20241.12%
Q4 20241.17%
Q1 20251.37%
Q2 20251.31%
Q3 20251.39%
Q4 20251.31%
Q1 20261.64%
Q2 20261.50%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$398.7M9.87%0.81%1.50%86.4%
Q1 202670$397.9M10.24%0.59%1.64%84.4%
Q4 202564$377.2M10.13%0.83%1.31%88.7%
Q3 202564$379.0M9.85%0.96%1.39%86.3%
Q2 202562$381.5M9.58%0.95%1.31%85.2%
Q1 202562$383.5M9.67%1.07%1.37%82.1%
Q4 202456$388.3M9.17%1.38%1.17%78.7%
Q3 202454$362.1M9.31%1.47%1.12%82.7%
Q2 202454$343.4M9.48%1.56%1.06%83.7%

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 ratio9.87%
28th
Total risk-based capital0.00%
24th
Problem loans0.81%
33rd
Net charge-offs-0.03%
93rd
Return on assets1.50%
65th
Net interest margin4.48%
79th
Efficiency ratio62.9%
48th
Loans to deposits86.4%
34th
Uninsured deposits33.9%
19th
Loan-loss reserves1.32%
66th
Texas ratio6.1%
30th

Similar-size banks in Louisiana

InstitutionScoreAssetsCapitalProblem loansCompare
Southern Heritage BankBank Jonesville, LA73 out of 100, Strong$397.9M10.5%0.72%vs
City Bank & Trust Co.Bank Natchitoches, LA82 out of 100, Strong$382.0M11.4%0.00%vs
Bank of ZacharyBank Zachary, LA76 out of 100, Strong$416.0M11.9%0.07%vs
First National Bank in DeRidderBank Deridder, LA70 out of 100, Strong$419.0M9.8%0.57%vs
Bank of Commerce & Trust Co.Bank Crowley, LA72 out of 100, Strong$377.9M11.1%0.19%vs
Winnsboro State Bank & Trust CompanyBank Winnsboro, LA68 out of 100, Moderate$425.7M10.9%0.94%vs

Deposit insurance

Is my money safe at Bank of St. Francisville?

Yes. Bank of St. Francisville is an FDIC-insured institution (FDIC certificate #22739). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 33.9% of deposits ($117.2M) 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 9.87%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

Bank of St. Francisville lists 2 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Bank of St. Francisville reported 85 home-loan applications under HMDA (LEI 549300KPBBGW1ZTEPR29): 62 originated ($26,950,000 total), 5 denied, and 18 withdrawn or closed by the applicant. Its denial rate on decided applications was 7.5%, 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 St. Francisville
Type
State-chartered bank
FDIC certificate #
22739
RSSD ID
364430
Primary regulator
FDIC
Holding company
Saint Francisville Bancshares
Established
October 30, 1978
Headquarters
5700 Commerce St, Saint Francisville, LA 70775
Employees
60

Quick answers

Bank of St. Francisville: common questions

Is Bank of St. Francisville FDIC insured?

Yes. Bank of St. Francisville is an FDIC-insured institution (FDIC certificate #22739). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Bank of St. Francisville's TellerScore?

66 out of 100 (Moderate), 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 St. Francisville ever failed?

There is no failure record for FDIC certificate #22739 in the FDIC failed bank list.

How many branches does Bank of St. Francisville have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Saint Francisville

InstitutionScoreAssetsCapitalProblem loansCompare
Baton Rouge City Parish Emp Federal Credit UnionCredit union Baton Rouge, LA96 out of 100, Very strong$58.2M22.0%0.33%vs
Department of Corrections Credit UnionCredit union Baton Rouge, LA90 out of 100, Very strong$126.3M23.4%0.57%vs
Gp Louisiana Federal Credit UnionCredit union Zachary, LA88 out of 100, Very strong$66.2M17.0%0.80%vs
Cottonport BankBank Cottonport, LA83 out of 100, Strong$581.6M13.9%0.99%vs
Red River BankBank Alexandria, LA82 out of 100, Strong$3.3B12.5%0.11%vs
Bank of ZacharyBank Zachary, LA76 out of 100, Strong$416.0M11.9%0.07%vs