TellerScore

Headquartered in Ruston, Louisiana, Louisiana National Bank is a national bank with $474.0M in total assets and $413.7M in deposits as of Q2 2026. It operates 10 offices. Its charter dates back to 1935.

Based on its Q2 2026 filing, Louisiana National Bank scores 63/100, which we describe as moderate. That is higher than only 24% of 2,650 banks with $100 million – $1 billion. Among 104 banks headquartered in Louisiana, it ranks 71st. Its strongest component is earnings (95/100; 1.87%), and its lowest is funding & liquidity (46/100; 100% loans-to-deposits, 28% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion55/100
Tier 1 leverage ratio: 10.49%
Loan quality53/100
Noncurrent loans ÷ total loans: 1.41%
Earnings95/100
Return on assets (annualized): 1.87%
Funding & liquidity46/100
Loans ÷ deposits and uninsured-deposit share: 100.3% · 27.8% uninsured
Problem-loan coverage69/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 15.49%

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 7 points (56 → 63), mostly because the earnings component improved by 14 points.

TellerScore
435363Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202443
Q3 202444
Q4 202446
Q1 202549
Q2 202556
Q3 202556
Q4 202562
Q1 202658
Q2 202663
Tier 1 leverage ratio
5.00%7.75%10.49%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.42%
Q3 20249.58%
Q4 20249.21%
Q1 20259.31%
Q2 20259.75%
Q3 20259.78%
Q4 20259.79%
Q1 20269.86%
Q2 202610.49%
Noncurrent loans
1.07%1.76%2.46%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20242.46%
Q3 20242.39%
Q4 20242.41%
Q1 20252.16%
Q2 20251.67%
Q3 20251.70%
Q4 20251.07%
Q1 20261.44%
Q2 20261.41%
Return on assets
0.95%1.41%1.87%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.95%
Q3 20241.06%
Q4 20241.46%
Q1 20251.48%
Q2 20251.53%
Q3 20251.61%
Q4 20251.76%
Q1 20261.67%
Q2 20261.87%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202663$474.0M10.49%1.41%1.87%100.3%
Q1 202658$473.5M9.86%1.44%1.67%97.5%
Q4 202562$480.3M9.79%1.07%1.76%97.1%
Q3 202556$453.2M9.78%1.70%1.61%96.2%
Q2 202556$448.6M9.75%1.67%1.53%95.8%
Q1 202549$449.2M9.31%2.16%1.48%95.8%
Q4 202446$446.4M9.21%2.41%1.46%98.2%
Q3 202444$451.1M9.58%2.39%1.06%97.8%
Q2 202443$456.1M9.42%2.46%0.95%96.8%

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 ratio10.49%
41st
Total risk-based capital0.00%
24th
Problem loans1.41%
19th
Net charge-offs0.01%
48th
Return on assets1.87%
83rd
Net interest margin6.14%
99th
Efficiency ratio58.2%
63rd
Loans to deposits100.3%
10th
Uninsured deposits27.8%
35th
Loan-loss reserves1.07%
35th
Texas ratio15.5%
9th

Similar-size banks in Louisiana

InstitutionScoreAssetsCapitalProblem loansCompare
Citizens Bank & Trust CompanyBank Plaquemine, LA68 out of 100, Moderate$480.8M11.9%0.82%vs
The BankBank Jennings, LA83 out of 100, Strong$462.0M12.8%0.48%vs
Guaranty Bank & Trust Company of Delhi, LouisianaBank Delhi, LA56 out of 100, Moderate$457.4M8.5%1.29%vs
Gulf Coast BankBank Abbeville, LA86 out of 100, Very strong$513.7M14.7%0.63%vs
Winnsboro State Bank & Trust CompanyBank Winnsboro, LA68 out of 100, Moderate$425.7M10.9%0.94%vs
First National Bank in DeRidderBank Deridder, LA70 out of 100, Strong$419.0M9.8%0.57%vs

Deposit insurance

Is my money safe at Louisiana National Bank?

Yes. Louisiana National Bank is an FDIC-insured institution (FDIC certificate #15059). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 27.8% of deposits ($114.9M) 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 10.49%, 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

10 locations

Branches

Louisiana National Bank lists 8 offices in 6 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Louisiana National Bank reported 124 home-loan applications under HMDA (LEI 549300IFU5D50EZHEU18): 88 originated ($37,730,000 total), 6 denied, and 30 withdrawn or closed by the applicant. Its denial rate on decided applications was 6.4%, 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
Louisiana National Bank
Former names
First National Bank, Bienville Parish; First National Bank; First National Bank in Arcadia
Type
National bank
FDIC certificate #
15059
RSSD ID
109659
Primary regulator
OCC
Holding company
Louisiana Bancshares Inc
Established
March 20, 1935
Headquarters
2001 N Trenton St, Ruston, LA 71270
Employees
75

Quick answers

Louisiana National Bank: common questions

Is Louisiana National Bank FDIC insured?

Yes. Louisiana National Bank is an FDIC-insured institution (FDIC certificate #15059). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Louisiana National Bank's TellerScore?

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

Has Louisiana National Bank ever failed?

There is no failure record for FDIC certificate #15059 in the FDIC failed bank list.

How many branches does Louisiana National Bank have?

10 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Ruston

InstitutionScoreAssetsCapitalProblem loansCompare
Department of Corrections Credit UnionCredit union Baton Rouge, LA90 out of 100, Very strong$126.3M23.4%0.57%vs
Gibsland Bank & Trust CompanyBank Gibsland, LA81 out of 100, Strong$574.3M16.5%0.61%vs
Union Federal Credit UnionCredit union Farmerville, LA80 out of 100, Strong$611K21.2%0.00%vs
Hodge Bank & Trust CompanyBank Hodge, LA78 out of 100, Strong$127.6M15.2%1.85%vs
Century Next BankBank Ruston, LA77 out of 100, Strong$916.4M11.9%0.12%vs
Peoples BankBank Chatham, LA71 out of 100, Strong$86.1M11.7%1.32%vs