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.

The score has been essentially flat from Q2 2025 to Q2 2026 (90 → 89).

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

Yes. First National Bank USA is an FDIC-insured institution (FDIC certificate #22046). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 49.9% of deposits ($106.3M) 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 14.06%, 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

First National Bank USA lists 2 offices in 2 cities. Most locations:

• Boutte, LA (1)
• La Place, LA (1)

All branch addresses and map

In 2025, First National Bank USA reported 49 home-loan applications under HMDA (LEI 549300F376WY63AY7896): 40 originated ($8,730,000 total), 7 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 14.3%, 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.

Legal name

First National Bank USA

Former names

First National Bank of St. Charles Parish

Type

National bank

FDIC certificate #

22046

RSSD ID

714839

Primary regulator

OCC

Holding company

First St Charles Bancshares

Established

June 23, 1975

Headquarters

13386 Highway 90, Boutte, LA 70039

Website

www.fnbusa.com

Employees

29