TellerScore

Currency Bank (FDIC certificate #35019) is based in Baton Rouge, Louisiana. Its Q2 2026 call report shows $248.5M in total assets and $203.2M in deposits and 4 offices.

Based on its Q2 2026 filing, Currency Bank scores 86/100, which we describe as very strong. That is higher than 90% of 2,650 banks with $100 million – $1 billion. Among 104 banks headquartered in Louisiana, it ranks 5th. Its strongest component is problem-loan coverage (99/100; 0.6%), and its lowest is funding & liquidity (50/100; 93% loans-to-deposits, 30% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion84/100
Tier 1 leverage ratio: 13.38%
Loan quality95/100
Noncurrent loans ÷ total loans: 0.14%
Earnings98/100
Return on assets (annualized): 1.95%
Funding & liquidity50/100
Loans ÷ deposits and uninsured-deposit share: 93.0% · 30.3% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.64%

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 11 points (75 → 86), mostly because the earnings component improved by 43 points.

TellerScore
717987Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202486
Q3 202487
Q4 202487
Q1 202586
Q2 202575
Q3 202571
Q4 202580
Q1 202681
Q2 202686
Tier 1 leverage ratio
5.00%10.64%16.27%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202416.27%
Q3 202416.03%
Q4 202415.62%
Q1 202515.88%
Q2 202511.60%
Q3 202511.84%
Q4 202512.33%
Q1 202612.78%
Q2 202613.38%
Noncurrent loans
0.12%0.47%0.82%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.15%
Q3 20240.14%
Q4 20240.16%
Q1 20250.15%
Q2 20250.31%
Q3 20250.82%
Q4 20250.12%
Q1 20260.19%
Q2 20260.14%
Return on assets
0.88%1.41%1.95%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.07%
Q3 20241.10%
Q4 20241.08%
Q1 20250.99%
Q2 20250.88%
Q3 20250.96%
Q4 20251.02%
Q1 20261.26%
Q2 20261.95%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202686$248.5M13.38%0.14%1.95%93.0%
Q1 202681$248.0M12.78%0.19%1.26%84.5%
Q4 202580$241.6M12.33%0.12%1.02%79.3%
Q3 202571$250.7M11.84%0.82%0.96%78.9%
Q2 202575$261.2M11.60%0.31%0.88%71.6%
Q1 202586$197.4M15.88%0.15%0.99%83.9%
Q4 202487$199.5M15.62%0.16%1.08%77.4%
Q3 202487$194.8M16.03%0.14%1.10%81.2%
Q2 202486$180.1M16.27%0.15%1.07%85.4%

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 ratio13.38%
78th
Total risk-based capital0.00%
24th
Problem loans0.14%
70th
Net charge-offs-0.05%
96th
Return on assets1.95%
86th
Net interest margin4.70%
86th
Efficiency ratio49.6%
84th
Loans to deposits93.0%
20th
Uninsured deposits30.3%
27th
Loan-loss reserves1.49%
78th
Texas ratio0.6%
75th

Similar-size banks in Louisiana

InstitutionScoreAssetsCapitalProblem loansCompare
First National Bank USABank Boutte, LA89 out of 100, Very strong$249.1M14.1%0.03%vs
Anthem Bank & TrustBank Plaquemine, LA70 out of 100, Strong$250.1M29.9%1.16%vs
Bank of Abbeville & Trust CompanyBank Abbeville, LA62 out of 100, Moderate$245.5M12.9%2.49%vs
Citizens Progressive BankBank Winnsboro, LA40 out of 100, Below average$243.3M11.3%4.51%vs
Hibernia BankBank New Orleans, LA55 out of 100, Moderate$256.6M11.5%1.37%vs
American Bank & Trust CompanyBank Opelousas, LA76 out of 100, Strong$267.0M11.7%0.47%vs

Deposit insurance

Is my money safe at Currency Bank?

Yes. Currency Bank is an FDIC-insured institution (FDIC certificate #35019). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 30.3% of deposits ($61.5M) 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 13.38%, 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%).

Check how much of your own balance is covered

4 locations

Branches

Currency Bank lists 3 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Currency Bank
Former names
West Carroll Community Bank; Commerce Community Bank
Type
State-chartered bank
FDIC certificate #
35019
RSSD ID
2807173
Primary regulator
FDIC
Holding company
Axxess Partners Inc
Established
August 2, 1999
Headquarters
7054 Jefferson Hwy, Baton Rouge, LA 70806
Employees
37

Quick answers

Currency Bank: common questions

Is Currency Bank FDIC insured?

Yes. Currency Bank is an FDIC-insured institution (FDIC certificate #35019). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Currency Bank's TellerScore?

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

Has Currency Bank ever failed?

There is no failure record for FDIC certificate #35019 in the FDIC failed bank list.

How many branches does Currency Bank have?

4 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Baton Rouge

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
Baton Rouge Fire Department Federal Credit UnionCredit union Baton Rouge, LA92 out of 100, Very strong$82.1M22.0%0.52%vs
South Louisiana BankBank Houma, LA91 out of 100, Very strong$659.8M15.3%0.45%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
Bayou Federal Credit UnionCredit union Baton Rouge, LA84 out of 100, Strong$82.5M15.9%0.30%vs