TellerScore

Fifth District Savings Bank (FDIC certificate #27697) is based in New Orleans, Louisiana. Its Q2 2026 call report shows $531.8M in total assets and $414.8M in deposits and 7 offices.

Fifth District Savings Bank has a TellerScore of 81 out of 100 (strong) based on Q2 2026 data — higher than 80% of its 2,650 banks with $100 million – $1 billion. Among 104 banks headquartered in Louisiana, it ranks 13th. Capital cushion contributes the most (100/100, 21.41%); earnings contributes the least (33/100, 0.33%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 21.41%
Loan quality97/100
Noncurrent loans ÷ total loans: 0.09%
Earnings33/100
Return on assets (annualized): 0.33%
Funding & liquidity65/100
Loans ÷ deposits and uninsured-deposit share: 94.8% · 9.7% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.34%

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 5 points (86 → 81), mostly because the earnings component weakened by 35 points.

TellerScore
768186Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202476
Q3 202477
Q4 202477
Q1 202578
Q2 202586
Q3 202586
Q4 202585
Q1 202682
Q2 202681
Tier 1 leverage ratio
5.00%13.21%21.41%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202416.91%
Q3 202420.75%
Q4 202420.78%
Q1 202520.71%
Q2 202521.00%
Q3 202520.94%
Q4 202521.07%
Q1 202621.41%
Q2 202621.41%
Noncurrent loans
0.02%0.18%0.34%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.32%
Q3 20240.17%
Q4 20240.29%
Q1 20250.20%
Q2 20250.34%
Q3 20250.05%
Q4 20250.14%
Q1 20260.02%
Q2 20260.09%
Return on assets
-0.18%0.51%1.21%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.18%
Q3 2024-0.07%
Q4 2024-0.02%
Q1 20250.06%
Q2 20251.21%
Q3 20250.91%
Q4 20250.79%
Q1 20260.32%
Q2 20260.33%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202681$531.8M21.41%0.09%0.33%94.8%
Q1 202682$535.3M21.41%0.02%0.32%92.7%
Q4 202585$534.2M21.07%0.14%0.79%89.9%
Q3 202586$539.1M20.94%0.05%0.91%89.5%
Q2 202586$539.3M21.00%0.34%1.21%89.4%
Q1 202578$530.8M20.71%0.20%0.06%89.5%
Q4 202477$527.1M20.78%0.29%-0.02%87.7%
Q3 202477$523.1M20.75%0.17%-0.07%89.3%
Q2 202476$515.7M16.91%0.32%-0.18%85.0%

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 ratio21.41%
97th
Total risk-based capital39.48%
98th
Problem loans0.09%
75th
Net charge-offs0.00%
68th
Return on assets0.33%
8th
Net interest margin2.89%
7th
Efficiency ratio85.4%
9th
Loans to deposits94.8%
17th
Uninsured deposits9.7%
94th
Loan-loss reserves0.43%
2nd
Texas ratio0.3%
80th

Similar-size banks in Louisiana

InstitutionScoreAssetsCapitalProblem loansCompare
Rayne State Bank & Trust CompanyBank Rayne, LA79 out of 100, Strong$540.5M11.6%0.44%vs
Merchants & Farmers Bank & Trust CompanyBank Leesville, LA70 out of 100, Strong$541.4M11.2%0.70%vs
Gulf Coast BankBank Abbeville, LA86 out of 100, Very strong$513.7M14.7%0.63%vs
Gibsland Bank & Trust CompanyBank Gibsland, LA81 out of 100, Strong$574.3M16.5%0.61%vs
Cottonport BankBank Cottonport, LA83 out of 100, Strong$581.6M13.9%0.99%vs
Citizens Bank & Trust CompanyBank Plaquemine, LA68 out of 100, Moderate$480.8M11.9%0.82%vs

Deposit insurance

Is my money safe at Fifth District Savings Bank?

Yes. Fifth District Savings Bank is an FDIC-insured institution (FDIC certificate #27697). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 9.7% of deposits ($40.4M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 21.41%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 39.48% (benchmark: 10%).

Check how much of your own balance is covered

7 locations

Branches

Fifth District Savings Bank lists 7 offices in 5 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Fifth District Savings Bank reported 71 home-loan applications under HMDA (LEI 549300JXWG67QZF4I652): 45 originated ($21,755,000 total), 15 denied, and 10 withdrawn or closed by the applicant. Its denial rate on decided applications was 24.6%, 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
Fifth District Savings Bank
Former names
Fifth District Savings and Loan Association
Type
Savings bank
FDIC certificate #
27697
RSSD ID
837970
Primary regulator
OCC
Holding company
Fifth District Bcorp Inc
Established
January 1, 1926
Headquarters
4000 General Degaulle Dr, New Orleans, LA 70114
Employees
68

Quick answers

Fifth District Savings Bank: common questions

Is Fifth District Savings Bank FDIC insured?

Yes. Fifth District Savings Bank is an FDIC-insured institution (FDIC certificate #27697). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Fifth District Savings Bank's TellerScore?

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

Has Fifth District Savings Bank ever failed?

There is no failure record for FDIC certificate #27697 in the FDIC failed bank list.

How many branches does Fifth District Savings Bank have?

7 offices as of the latest FDIC data.

Nearby

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InstitutionScoreAssetsCapitalProblem loansCompare
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