TellerScore

First Federal Bank of Louisiana is a savings association headquartered in Lake Charles, Louisiana, in business for about 77 years. At the end of Q2 2026 it reported $1.1B in total assets and $991.6M in deposits, with 16 offices.

Based on its Q2 2026 filing, First Federal Bank of Louisiana scores 70/100, which we describe as strong. That is higher than 58% of 897 banks with $1 billion – $10 billion. Among 104 banks headquartered in Louisiana, it ranks 48th. Its strongest component is loan quality (94/100; 0.17%), and its lowest is earnings (33/100; 0.32%).

TellerScore · Q2 2026

Scorecard

Capital cushion70/100
Tier 1 leverage ratio: 11.95%
Loan quality94/100
Noncurrent loans ÷ total loans: 0.17%
Earnings33/100
Return on assets (annualized): 0.32%
Funding & liquidity77/100
Loans ÷ deposits and uninsured-deposit share: 64.0% · 32.2% uninsured
Problem-loan coverage74/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 13.21%

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 24 points (46 → 70), mostly because the loan quality component improved by 84 points.

TellerScore
465870Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202446
Q3 202448
Q4 202447
Q1 202548
Q2 202546
Q3 202547
Q4 202547
Q1 202670
Q2 202670
Tier 1 leverage ratio
5.00%8.49%11.98%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 202411.73%
Q3 202411.95%
Q4 202411.81%
Q1 202511.76%
Q2 202511.61%
Q3 202511.98%
Q4 202511.88%
Q1 202611.95%
Q2 202611.95%
Noncurrent loans
0.17%1.50%2.83%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20242.78%
Q3 20242.73%
Q4 20242.73%
Q1 20252.71%
Q2 20252.69%
Q3 20252.77%
Q4 20252.83%
Q1 20260.17%
Q2 20260.17%
Return on assets
0.18%0.28%0.38%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.31%
Q3 20240.35%
Q4 20240.33%
Q1 20250.35%
Q2 20250.18%
Q3 20250.28%
Q4 20250.30%
Q1 20260.38%
Q2 20260.32%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$1.1B11.95%0.17%0.32%64.0%
Q1 202670$1.2B11.95%0.17%0.38%62.1%
Q4 202547$1.1B11.88%2.83%0.30%67.0%
Q3 202547$1.1B11.98%2.77%0.28%67.3%
Q2 202546$1.1B11.61%2.69%0.18%67.9%
Q1 202548$1.2B11.76%2.71%0.35%64.9%
Q4 202447$1.1B11.81%2.73%0.33%66.0%
Q3 202448$1.1B11.95%2.73%0.35%68.2%
Q2 202446$1.1B11.73%2.78%0.31%67.5%

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 ratio11.95%
76th
Total risk-based capital22.47%
95th
Problem loans0.17%
80th
Net charge-offs0.43%
9th
Return on assets0.32%
5th
Net interest margin2.88%
12th
Efficiency ratio82.1%
5th
Loans to deposits64.0%
90th
Uninsured deposits32.2%
46th
Loan-loss reserves1.01%
32nd
Texas ratio13.2%
10th

Similar-size banks in Louisiana

InstitutionScoreAssetsCapitalProblem loansCompare
Liberty Bank and Trust CompanyBank New Orleans, LA68 out of 100, Moderate$1.1B11.4%0.89%vs
The Evangeline Bank and Trust CompanyBank Ville Platte, LA77 out of 100, Strong$1.1B14.2%1.24%vs
Fidelity BankBank New Orleans, LA64 out of 100, Moderate$1.2B20.3%1.85%vs
Crescent BankBank Metairie, LA89 out of 100, Very strong$1.1B15.0%1.28%vs
JD BankBank Jennings, LA76 out of 100, Strong$1.3B11.9%0.40%vs
Synergy BankBank Houma, LA61 out of 100, Moderate$1.3B11.3%2.07%vs

Deposit insurance

Is my money safe at First Federal Bank of Louisiana?

Yes. First Federal Bank of Louisiana is an FDIC-insured institution (FDIC certificate #30441). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 32.2% of deposits ($319.7M) 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 11.95%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 22.47% (benchmark: 10%).

Check how much of your own balance is covered

16 locations

Branches

First Federal Bank of Louisiana lists 16 offices in 9 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First Federal Bank of Louisiana reported 190 home-loan applications under HMDA (LEI 549300O1FOCD65WZ9873): 139 originated ($39,205,000 total), 29 denied, and 12 withdrawn or closed by the applicant. Its denial rate on decided applications was 16.3%, 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 Federal Bank of Louisiana
Former names
First Federal Savings and Loan Association
Type
Savings association
FDIC certificate #
30441
RSSD ID
517674
Primary regulator
OCC
Established
October 31, 1949
Headquarters
1135 Lake Shore Dr, Lake Charles, LA 70601
Employees
197

Quick answers

First Federal Bank of Louisiana: common questions

Is First Federal Bank of Louisiana FDIC insured?

Yes. First Federal Bank of Louisiana is an FDIC-insured institution (FDIC certificate #30441). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Federal Bank of Louisiana's TellerScore?

70 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 Federal Bank of Louisiana ever failed?

There is no failure record for FDIC certificate #30441 in the FDIC failed bank list.

How many branches does First Federal Bank of Louisiana have?

16 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Lake Charles

InstitutionScoreAssetsCapitalProblem loansCompare
Department of Corrections Credit UnionCredit union Baton Rouge, LA90 out of 100, Very strong$126.3M23.4%0.57%vs
Calcasieu Teachers and Employees Credit UnionCredit union Lake Charles, LA86 out of 100, Very strong$62.9M16.3%0.13%vs
The BankBank Jennings, LA83 out of 100, Strong$462.0M12.8%0.48%vs
Red River BankBank Alexandria, LA82 out of 100, Strong$3.3B12.5%0.11%vs
First National Bank of LouisianaBank Crowley, LA78 out of 100, Strong$631.1M11.0%0.00%vs
Old Spanish Trail Credit UnionCredit union Westlake, LA77 out of 100, Strong$5.5M30.5%0.31%vs