TellerScore

First National Bank in DeRidder (FDIC certificate #14427) is based in Deridder, Louisiana. Its Q2 2026 call report shows $419.0M in total assets and $379.2M in deposits and 7 offices.

Based on its Q2 2026 filing, First National Bank in DeRidder scores 70/100, which we describe as strong. That is higher than only 43% of 2,650 banks with $100 million – $1 billion. Among 104 banks headquartered in Louisiana, it ranks 50th. Its strongest component is problem-loan coverage (87/100; 6.7%), and its lowest is capital cushion (48/100; 9.84%).

TellerScore · Q2 2026

Scorecard

Capital cushion48/100
Tier 1 leverage ratio: 9.84%
Loan quality81/100
Noncurrent loans ÷ total loans: 0.57%
Earnings78/100
Return on assets (annualized): 1.44%
Funding & liquidity74/100
Loans ÷ deposits and uninsured-deposit share: 65.4% · 34.1% uninsured
Problem-loan coverage87/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 6.66%

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 6 points (64 → 70), mostly because the loan quality component improved by 19 points.

TellerScore
576470Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202459
Q3 202457
Q4 202459
Q1 202562
Q2 202564
Q3 202564
Q4 202570
Q1 202666
Q2 202670
Tier 1 leverage ratio
5.00%7.66%10.32%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.82%
Q3 20249.78%
Q4 20249.61%
Q1 20259.58%
Q2 20259.91%
Q3 202510.07%
Q4 202510.32%
Q1 20269.79%
Q2 20269.84%
Noncurrent loans
0.57%0.98%1.40%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.22%
Q3 20241.40%
Q4 20241.19%
Q1 20251.29%
Q2 20251.13%
Q3 20251.21%
Q4 20250.66%
Q1 20260.92%
Q2 20260.57%
Return on assets
0.74%1.09%1.44%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.74%
Q3 20240.75%
Q4 20240.76%
Q1 20251.28%
Q2 20251.29%
Q3 20251.32%
Q4 20251.28%
Q1 20261.35%
Q2 20261.44%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$419.0M9.84%0.57%1.44%65.4%
Q1 202666$425.1M9.79%0.92%1.35%62.7%
Q4 202570$416.3M10.32%0.66%1.28%62.7%
Q3 202564$384.1M10.07%1.21%1.32%68.9%
Q2 202564$389.8M9.91%1.13%1.29%66.9%
Q1 202562$392.3M9.58%1.29%1.28%65.3%
Q4 202459$401.3M9.61%1.19%0.76%62.1%
Q3 202457$372.6M9.78%1.40%0.75%67.7%
Q2 202459$373.1M9.82%1.22%0.74%67.3%

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 ratio9.84%
27th
Total risk-based capital18.36%
82nd
Problem loans0.57%
43rd
Net charge-offs0.00%
52nd
Return on assets1.44%
62nd
Net interest margin4.28%
69th
Efficiency ratio58.3%
62nd
Loans to deposits65.4%
76th
Uninsured deposits34.1%
19th
Loan-loss reserves1.07%
34th
Texas ratio6.7%
28th

Similar-size banks in Louisiana

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of ZacharyBank Zachary, LA76 out of 100, Strong$416.0M11.9%0.07%vs
Winnsboro State Bank & Trust CompanyBank Winnsboro, LA68 out of 100, Moderate$425.7M10.9%0.94%vs
Bank of St. FrancisvilleBank Saint Francisville, LA66 out of 100, Moderate$398.7M9.9%0.81%vs
Southern Heritage BankBank Jonesville, LA73 out of 100, Strong$397.9M10.5%0.72%vs
City Bank & Trust Co.Bank Natchitoches, LA82 out of 100, Strong$382.0M11.4%0.00%vs
Guaranty Bank & Trust Company of Delhi, LouisianaBank Delhi, LA56 out of 100, Moderate$457.4M8.5%1.29%vs

Deposit insurance

Is my money safe at First National Bank in DeRidder?

Yes. First National Bank in DeRidder is an FDIC-insured institution (FDIC certificate #14427). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 34.1% of deposits ($129.1M) 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 9.84%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 18.36% (benchmark: 10%).

Check how much of your own balance is covered

7 locations

Branches

First National Bank in DeRidder lists 5 offices in 4 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
First National Bank in DeRidder
Type
National bank
FDIC certificate #
14427
RSSD ID
480433
Primary regulator
OCC
Established
January 1, 1934
Headquarters
1003 N Pine St, Deridder, LA 70634
Employees
77

Quick answers

First National Bank in DeRidder: common questions

Is First National Bank in DeRidder FDIC insured?

Yes. First National Bank in DeRidder is an FDIC-insured institution (FDIC certificate #14427). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First National Bank in DeRidder'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 National Bank in DeRidder ever failed?

There is no failure record for FDIC certificate #14427 in the FDIC failed bank list.

How many branches does First National Bank in DeRidder have?

7 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Deridder

InstitutionScoreAssetsCapitalProblem loansCompare
First Street Federal Credit UnionCredit union Deridder, LA93 out of 100, Very strong$60.6M16.3%0.20%vs
Beauregard School Employees Federal Credit UnionCredit union Deridder, LA78 out of 100, Strong$30.9M12.9%0.61%vs
First Federal Bank of LouisianaBank Lake Charles, LA70 out of 100, Strong$1.1B12.0%0.17%vs
Merchants & Farmers Bank & Trust CompanyBank Leesville, LA70 out of 100, Strong$541.4M11.2%0.70%vs
Southwest Louisiana Credit UnionCredit union Lake Charles, LA70 out of 100, Strong$182.6M15.8%1.45%vs
Navy Federal Credit UnionCredit union Vienna, VA66 out of 100, Moderate$204.4B11.7%1.58%vs