TellerScore

Bonvenu Bank, National Association is a national bank headquartered in Bossier City, Louisiana, in business for about 41 years. At the end of Q2 2026 it reported $1.6B in total assets and $1.4B in deposits, with 15 offices.

Based on its Q2 2026 filing, Bonvenu Bank, National Association scores 67/100, which we describe as moderate. That is higher than only 44% of 897 banks with $1 billion – $10 billion. Among 104 banks headquartered in Louisiana, it ranks 63rd. Its strongest component is problem-loan coverage (98/100; 0.9%), and its lowest is funding & liquidity (50/100; 74% loans-to-deposits, 47% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion50/100
Tier 1 leverage ratio: 10.04%
Loan quality96/100
Noncurrent loans ÷ total loans: 0.13%
Earnings51/100
Return on assets (annualized): 0.76%
Funding & liquidity50/100
Loans ÷ deposits and uninsured-deposit share: 74.4% · 47.2% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.87%

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 2 points (65 → 67), mostly because the earnings component improved by 12 points.

TellerScore
646667Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202464
Q3 202464
Q4 202464
Q1 202565
Q2 202565
Q3 202566
Q4 202566
Q1 202664
Q2 202667
Tier 1 leverage ratio
5.00%7.59%10.19%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.92%
Q3 202410.05%
Q4 202410.08%
Q1 20259.91%
Q2 20259.84%
Q3 20259.92%
Q4 202510.19%
Q1 20269.66%
Q2 202610.04%
Noncurrent loans
0.04%0.09%0.13%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.09%
Q3 20240.10%
Q4 20240.08%
Q1 20250.09%
Q2 20250.08%
Q3 20250.04%
Q4 20250.10%
Q1 20260.13%
Q2 20260.13%
Return on assets
0.39%0.58%0.76%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.49%
Q3 20240.42%
Q4 20240.39%
Q1 20250.56%
Q2 20250.48%
Q3 20250.52%
Q4 20250.54%
Q1 20260.63%
Q2 20260.76%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202667$1.6B10.04%0.13%0.76%74.4%
Q1 202664$1.6B9.66%0.13%0.63%76.3%
Q4 202566$1.6B10.19%0.10%0.54%71.1%
Q3 202566$1.5B9.92%0.04%0.52%77.5%
Q2 202565$1.6B9.84%0.08%0.48%75.7%
Q1 202565$1.5B9.91%0.09%0.56%78.7%
Q4 202464$1.5B10.08%0.08%0.39%78.7%
Q3 202464$1.5B10.05%0.10%0.42%80.9%
Q2 202464$1.5B9.92%0.09%0.49%80.1%

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).

Capital ratio10.04%
38th
Total risk-based capital14.66%
63rd
Problem loans0.13%
84th
Net charge-offs-0.00%
90th
Return on assets0.76%
18th
Net interest margin3.27%
25th
Efficiency ratio74.0%
14th
Loans to deposits74.4%
77th
Uninsured deposits47.2%
13th
Loan-loss reserves1.15%
51st
Texas ratio0.9%
85th

Similar-size banks in Louisiana

InstitutionScoreAssetsCapitalProblem loansCompare
BOM BankBank Natchitoches, LA60 out of 100, Moderate$1.6B10.6%0.86%vs
First American Bank and TrustBank Vacherie, LA73 out of 100, Strong$1.4B13.8%1.28%vs
Sabine State Bank and Trust CompanyBank Many, LA52 out of 100, Below average$1.3B8.3%1.66%vs
Jonesboro State BankBank Jonesboro, LA63 out of 100, Moderate$1.3B7.7%1.64%vs
Synergy BankBank Houma, LA61 out of 100, Moderate$1.3B11.3%2.07%vs
JD BankBank Jennings, LA76 out of 100, Strong$1.3B11.9%0.40%vs

Deposit insurance

Is my money safe at Bonvenu Bank, National Association?

Yes. Bonvenu Bank, National Association is an FDIC-insured institution (FDIC certificate #26381). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 47.2% of deposits ($650.7M) 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 10.04%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.66% (benchmark: 10%).

Check how much of your own balance is covered

15 locations

Branches

Bonvenu Bank, National Association lists 15 offices in 12 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Bonvenu Bank, National Association reported 206 home-loan applications under HMDA (LEI 549300T1KLQQ7B84EZ41): 168 originated ($49,220,000 total), 15 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 7.4%, 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
Bonvenu Bank, National Association
Former names
Citizens National Bank of Bossier City Louisiana; Citizens National Bank, N.A.; Citizens National Bank of Bossier City, Louisiana
Type
National bank
FDIC certificate #
26381
RSSD ID
594853
Primary regulator
OCC
Holding company
Bonvenu Bcorp Inc
Established
October 7, 1985
Headquarters
2711 E Texas St, Bossier City, LA 71111
Employees
212

Quick answers

Bonvenu Bank, National Association: common questions

Is Bonvenu Bank, National Association FDIC insured?

Yes. Bonvenu Bank, National Association is an FDIC-insured institution (FDIC certificate #26381). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Bonvenu Bank, National Association's TellerScore?

67 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 Bonvenu Bank, National Association ever failed?

There is no failure record for FDIC certificate #26381 in the FDIC failed bank list.

How many branches does Bonvenu Bank, National Association have?

15 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Bossier City

InstitutionScoreAssetsCapitalProblem loansCompare
FSNB, National AssociationBank Lawton, OK96 out of 100, Very strong$478.3M17.5%0.36%vs
Willis Knighton Federal Credit UnionCredit union Shreveport, LA85 out of 100, Very strong$46.1M18.5%0.32%vs
Shreveport Police Federal Credit UnionCredit union Shreveport, LA85 out of 100, Very strong$8.7M17.2%0.68%vs
Avenue Baptist Brotherhood Federal Credit UnionCredit union Shreveport, LA84 out of 100, Strong$601K24.6%0.00%vs
Red River BankBank Alexandria, LA82 out of 100, Strong$3.3B12.5%0.11%vs
City Bank & Trust Co.Bank Natchitoches, LA82 out of 100, Strong$382.0M11.4%0.00%vs