Headquartered in Natchitoches, Louisiana, BOM Bank is a state-chartered bank with $1.6B in total assets and $1.4B in deposits as of Q2 2026. It operates 26 offices across 2 states. Its charter dates back to 1903.
Based on its Q2 2026 filing, BOM Bank scores 60/100, which we describe as moderate. That is higher than only 21% of 897 banks with $1 billion – $10 billion. Among 104 banks headquartered in Louisiana, it ranks 76th. Its strongest component is problem-loan coverage (82/100; 8.8%), and its lowest is funding & liquidity (32/100; 87% loans-to-deposits, 52% uninsured).
TellerScore · Q2 2026
Scorecard
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
The score has been essentially flat from Q2 2025 to Q2 2026 (59 → 60).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 68 |
| Q3 2024 | 75 |
| Q4 2024 | 57 |
| Q1 2025 | 58 |
| Q2 2025 | 59 |
| Q3 2025 | 60 |
| Q4 2025 | 58 |
| Q1 2026 | 59 |
| Q2 2026 | 60 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.54% |
| Q3 2024 | 12.12% |
| Q4 2024 | 10.65% |
| Q1 2025 | 11.12% |
| Q2 2025 | 11.31% |
| Q3 2025 | 11.29% |
| Q4 2025 | 10.80% |
| Q1 2026 | 10.97% |
| Q2 2026 | 10.64% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.98% |
| Q3 2024 | 1.08% |
| Q4 2024 | 1.47% |
| Q1 2025 | 1.80% |
| Q2 2025 | 1.59% |
| Q3 2025 | 1.43% |
| Q4 2025 | 1.18% |
| Q1 2026 | 1.24% |
| Q2 2026 | 0.86% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.74% |
| Q3 2024 | 1.68% |
| Q4 2024 | 1.22% |
| Q1 2025 | 1.68% |
| Q2 2025 | 1.68% |
| Q3 2025 | 1.57% |
| Q4 2025 | 1.24% |
| Q1 2026 | 1.26% |
| Q2 2026 | 1.00% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 60 | $1.6B | 10.64% | 0.86% | 1.00% | 86.6% |
| Q1 2026 | 59 | $1.5B | 10.97% | 1.24% | 1.26% | 86.4% |
| Q4 2025 | 58 | $1.5B | 10.80% | 1.18% | 1.24% | 84.4% |
| Q3 2025 | 60 | $1.4B | 11.29% | 1.43% | 1.57% | 86.6% |
| Q2 2025 | 59 | $1.4B | 11.31% | 1.59% | 1.68% | 87.9% |
| Q1 2025 | 58 | $1.4B | 11.12% | 1.80% | 1.68% | 85.0% |
| Q4 2024 | 57 | $1.4B | 10.65% | 1.47% | 1.22% | 80.7% |
| Q3 2024 | 75 | $1.2B | 12.12% | 1.08% | 1.68% | 81.2% |
| Q2 2024 | 68 | $1.1B | 10.54% | 0.98% | 1.74% | 84.6% |
897 peers · $1 billion – $10 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).
Similar-size banks in Louisiana
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bonvenu Bank, National AssociationBank Bossier City, LA | 67 out of 100, Moderate | $1.6B | 10.0% | 0.13% | vs |
| First American Bank and TrustBank Vacherie, LA | 73 out of 100, Strong | $1.4B | 13.8% | 1.28% | vs |
| Sabine State Bank and Trust CompanyBank Many, LA | 52 out of 100, Below average | $1.3B | 8.3% | 1.66% | vs |
| Jonesboro State BankBank Jonesboro, LA | 63 out of 100, Moderate | $1.3B | 7.7% | 1.64% | vs |
| Synergy BankBank Houma, LA | 61 out of 100, Moderate | $1.3B | 11.3% | 2.07% | vs |
| JD BankBank Jennings, LA | 76 out of 100, Strong | $1.3B | 11.9% | 0.40% | vs |
Deposit insurance
Is my money safe at BOM Bank?
Yes. BOM Bank is an FDIC-insured institution (FDIC certificate #1373). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 52.4% of deposits ($725.4M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.64%, well 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%).
26 locations
Branches
BOM Bank lists 26 offices in 20 cities across 2 states. Most locations:
- Alexandria, LA (3)
- Natchitoches, LA (3)
- Lufkin, TX (2)
- Shreveport, LA (2)
- Benton, LA (1)
- Castor, LA (1)
- Center, TX (1)
- Chester, TX (1)
- Conroe, TX (1)
- Derry, LA (1)
- Haughton, LA (1)
- Hemphill, TX (1)
HMDA 2025
Mortgage lending
In 2025, BOM Bank reported 235 home-loan applications under HMDA (LEI 549300LDX1HCIL448282): 188 originated ($53,480,000 total), 20 denied, and 25 withdrawn or closed by the applicant. Its denial rate on decided applications was 9.5%, 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
- BOM Bank
- Former names
- Bank of Montgomery
- Type
- State-chartered bank
- FDIC certificate #
- 1373
- RSSD ID
- 684455
- Primary regulator
- FDIC
- Holding company
- Grant Bancshares Inc
- Established
- October 5, 1903
- Headquarters
- 814 Washington St, Natchitoches, LA 71457
- Website
- www.bofm.com
- Employees
- 239
Quick answers
BOM Bank: common questions
Is BOM Bank FDIC insured?
Yes. BOM Bank is an FDIC-insured institution (FDIC certificate #1373). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is BOM Bank's TellerScore?
60 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 BOM Bank ever failed?
There is no failure record for FDIC certificate #1373 in the FDIC failed bank list.
How many branches does BOM Bank have?
26 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Natchitoches
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Engage Federal Credit UnionCredit union Natchitoches, LA | 86 out of 100, Very strong | $28.5M | 21.6% | 0.95% | vs |
| City Bank & Trust Co.Bank Natchitoches, LA | 82 out of 100, Strong | $382.0M | 11.4% | 0.00% | vs |
| Colfax Banking CompanyBank Colfax, LA | 76 out of 100, Strong | $152.3M | 11.0% | 0.04% | vs |
| Exchange Bank and Trust Company, Natchitoches, LouisianaBank Natchitoches, LA | 75 out of 100, Strong | $212.5M | 11.4% | 0.89% | vs |
| Community Bank of LouisianaBank Mansfield, LA | 74 out of 100, Strong | $852.9M | 10.1% | 0.01% | vs |
| First Federal Bank of LouisianaBank Lake Charles, LA | 70 out of 100, Strong | $1.1B | 12.0% | 0.17% | vs |