Headquartered in Vacherie, Louisiana, First American Bank and Trust is a state-chartered bank with $1.4B in total assets and $1.2B in deposits as of Q2 2026. It operates 25 offices. Its charter dates back to 1910.
Based on its Q2 2026 filing, First American Bank and Trust scores 73/100, which we describe as strong. That is higher than 70% of 897 banks with $1 billion – $10 billion. Among 104 banks headquartered in Louisiana, it ranks 36th. Its strongest component is capital cushion (88/100; 13.81%), and its lowest is loan quality (57/100; 1.28%).
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 (73 → 73).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 71 |
| Q3 2024 | 70 |
| Q4 2024 | 71 |
| Q1 2025 | 70 |
| Q2 2025 | 73 |
| Q3 2025 | 79 |
| Q4 2025 | 78 |
| Q1 2026 | 72 |
| Q2 2026 | 73 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.75% |
| Q3 2024 | 12.95% |
| Q4 2024 | 13.04% |
| Q1 2025 | 12.98% |
| Q2 2025 | 13.37% |
| Q3 2025 | 13.83% |
| Q4 2025 | 14.06% |
| Q1 2026 | 13.59% |
| Q2 2026 | 13.81% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.90% |
| Q3 2024 | 1.14% |
| Q4 2024 | 1.05% |
| Q1 2025 | 1.33% |
| Q2 2025 | 1.21% |
| Q3 2025 | 0.69% |
| Q4 2025 | 0.89% |
| Q1 2026 | 1.21% |
| Q2 2026 | 1.28% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.78% |
| Q3 2024 | 0.79% |
| Q4 2024 | 0.84% |
| Q1 2025 | 1.03% |
| Q2 2025 | 1.08% |
| Q3 2025 | 1.13% |
| Q4 2025 | 1.15% |
| Q1 2026 | 0.96% |
| Q2 2026 | 1.11% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 73 | $1.4B | 13.81% | 1.28% | 1.11% | 69.5% |
| Q1 2026 | 72 | $1.4B | 13.59% | 1.21% | 0.96% | 68.9% |
| Q4 2025 | 78 | $1.4B | 14.06% | 0.89% | 1.15% | 69.8% |
| Q3 2025 | 79 | $1.3B | 13.83% | 0.69% | 1.13% | 72.2% |
| Q2 2025 | 73 | $1.3B | 13.37% | 1.21% | 1.08% | 70.2% |
| Q1 2025 | 70 | $1.4B | 12.98% | 1.33% | 1.03% | 67.7% |
| Q4 2024 | 71 | $1.4B | 13.04% | 1.05% | 0.84% | 66.8% |
| Q3 2024 | 70 | $1.3B | 12.95% | 1.14% | 0.79% | 70.3% |
| Q2 2024 | 71 | $1.3B | 12.75% | 0.90% | 0.78% | 69.3% |
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 |
|---|---|---|---|---|---|
| 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 |
| Fidelity BankBank New Orleans, LA | 64 out of 100, Moderate | $1.2B | 20.3% | 1.85% | vs |
| Bonvenu Bank, National AssociationBank Bossier City, LA | 67 out of 100, Moderate | $1.6B | 10.0% | 0.13% | vs |
Deposit insurance
Is my money safe at First American Bank and Trust?
Yes. First American Bank and Trust is an FDIC-insured institution (FDIC certificate #8149). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 32.1% of deposits ($388.1M) are above the $250,000 FDIC insurance limit, close to the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 13.81%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 26.00% (benchmark: 10%).
25 locations
Branches
First American Bank and Trust lists 25 offices in 22 cities. Most locations:
- Metairie, LA (2)
- Thibodaux, LA (2)
- Vacherie, LA (2)
- Baton Rouge, LA (1)
- Boutte, LA (1)
- Des Allemands, LA (1)
- Donaldsonville, LA (1)
- Geismar, LA (1)
- Gonzales, LA (1)
- Gramercy, LA (1)
- Hammond, LA (1)
- Harvey, LA (1)
HMDA 2025
Mortgage lending
In 2025, First American Bank and Trust reported 643 home-loan applications under HMDA (LEI 549300Z78KW88BIQNR50): 482 originated ($87,190,000 total), 75 denied, and 66 withdrawn or closed by the applicant. Its denial rate on decided applications was 13.0%, 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
- First American Bank and Trust
- Former names
- Bank of Vacherie
- Type
- State-chartered bank
- FDIC certificate #
- 8149
- RSSD ID
- 101037
- Primary regulator
- FDIC
- Holding company
- One American Corp
- Established
- December 3, 1910
- Headquarters
- 2785 Highway 20, Vacherie, LA 70090
- Website
- www.fabt.com
- Employees
- 234
Quick answers
First American Bank and Trust: common questions
Is First American Bank and Trust FDIC insured?
Yes. First American Bank and Trust is an FDIC-insured institution (FDIC certificate #8149). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First American Bank and Trust's TellerScore?
73 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 First American Bank and Trust ever failed?
There is no failure record for FDIC certificate #8149 in the FDIC failed bank list.
How many branches does First American Bank and Trust have?
25 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Vacherie
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Nucor Employee'S Credit UnionCredit union Florence, SC | 91 out of 100, Very strong | $68.2M | 19.7% | 0.61% | vs |
| South Louisiana BankBank Houma, LA | 91 out of 100, Very strong | $659.8M | 15.3% | 0.45% | vs |
| Department of Corrections Credit UnionCredit union Baton Rouge, LA | 90 out of 100, Very strong | $126.3M | 23.4% | 0.57% | vs |
| First National Bank USABank Boutte, LA | 89 out of 100, Very strong | $249.1M | 14.1% | 0.03% | vs |
| C-F LA. Credit UnionCredit union Donaldsonville, LA | 85 out of 100, Very strong | $6.8M | 20.3% | 0.00% | vs |
| Morgan City Federal Credit UnionCredit union Morgan City, LA | 84 out of 100, Strong | $4.8M | 16.7% | 0.00% | vs |