TellerScore

South Lafourche Bank & Trust Company (FDIC certificate #19755) is based in Larose, Louisiana. Its Q2 2026 call report shows $177.5M in total assets and $147.8M in deposits and 4 offices.

South Lafourche Bank & Trust Company has a TellerScore of 38 out of 100 (low) based on Q2 2026 data — higher than only 2% of its 2,650 banks with $100 million – $1 billion. Among 104 banks headquartered in Louisiana, it ranks 103rd. Capital cushion contributes the most (67/100, 11.73%); loan quality contributes the least (0/100, 6.95%).

TellerScore · Q2 2026

Scorecard

Capital cushion67/100
Tier 1 leverage ratio: 11.73%
Loan quality0/100
Noncurrent loans ÷ total loans: 6.95%
Earnings48/100
Return on assets (annualized): 0.69%
Funding & liquidity52/100
Loans ÷ deposits and uninsured-deposit share: 95.5% · 26.2% uninsured
Problem-loan coverage9/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 45.43%

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 fell 16 points (54 → 38), mostly because the problem-loan coverage component weakened by 68 points.

TellerScore
385673Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202473
Q3 202468
Q4 202461
Q1 202555
Q2 202554
Q3 202558
Q4 202565
Q1 202644
Q2 202638
Tier 1 leverage ratio
5.00%8.81%12.62%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.68%
Q3 202411.48%
Q4 202411.57%
Q1 202511.95%
Q2 202512.45%
Q3 202512.51%
Q4 202512.62%
Q1 202612.07%
Q2 202611.73%
Noncurrent loans
0.89%3.92%6.95%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.89%
Q3 20241.06%
Q4 20241.78%
Q1 20251.67%
Q2 20252.03%
Q3 20251.89%
Q4 20251.44%
Q1 20265.04%
Q2 20266.95%
Return on assets
0.28%0.99%1.69%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.69%
Q3 20241.39%
Q4 20241.33%
Q1 20250.28%
Q2 20250.39%
Q3 20250.67%
Q4 20251.11%
Q1 20260.91%
Q2 20260.69%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202638$177.5M11.73%6.95%0.69%95.5%
Q1 202644$177.4M12.07%5.04%0.91%94.0%
Q4 202565$172.6M12.62%1.44%1.11%93.9%
Q3 202558$166.3M12.51%1.89%0.67%87.7%
Q2 202554$164.1M12.45%2.03%0.39%85.3%
Q1 202555$171.1M11.95%1.67%0.28%81.4%
Q4 202461$176.1M11.57%1.78%1.33%90.7%
Q3 202468$175.9M11.48%1.06%1.39%93.1%
Q2 202473$171.4M11.68%0.89%1.69%95.3%

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 ratio11.73%
62nd
Total risk-based capital0.00%
24th
Problem loans6.95%
1st
Net charge-offs0.02%
37th
Return on assets0.69%
19th
Net interest margin3.85%
45th
Efficiency ratio81.9%
12th
Loans to deposits95.5%
16th
Uninsured deposits26.2%
41st
Loan-loss reserves1.82%
90th
Texas ratio45.4%
1st

Similar-size banks in Louisiana

InstitutionScoreAssetsCapitalProblem loansCompare
Farmers State Bank & Trust Co.Bank Church Point, LA56 out of 100, Moderate$174.7M9.1%2.76%vs
Feliciana Bank & Trust CompanyBank Clinton, LA75 out of 100, Strong$180.4M11.8%0.69%vs
Citizens Bank & Trust CompanyBank Covington, LA41 out of 100, Below average$183.7M11.1%7.15%vs
Tensas State BankBank Newellton, LA59 out of 100, Moderate$185.5M13.9%3.43%vs
State Bank & Trust CompanyBank Golden Meadow, LA74 out of 100, Strong$165.1M10.6%0.46%vs
Bank of Sunset and Trust CompanyBank Sunset, LA76 out of 100, Strong$192.3M11.4%0.58%vs

Deposit insurance

Is my money safe at South Lafourche Bank & Trust Company?

Yes. South Lafourche Bank & Trust Company is an FDIC-insured institution (FDIC certificate #19755). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 26.2% of deposits ($38.8M) 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 11.73%, 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

4 locations

Branches

South Lafourche Bank & Trust Company lists 4 offices in 4 cities. Most locations:

  • Galliano, LA (1)
  • Golden Meadow, LA (1)
  • Larose, LA (1)
  • Lockport, LA (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, South Lafourche Bank & Trust Company reported 65 home-loan applications under HMDA (LEI 549300SHK8JZR89HEF81): 42 originated ($7,980,000 total), 8 denied, and 9 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.

Identity & history

Profile

Legal name
South Lafourche Bank & Trust Company
Type
State-chartered bank
FDIC certificate #
19755
RSSD ID
135836
Primary regulator
FDIC
Holding company
Lafourche Bancshares Inc
Established
October 13, 1967
Headquarters
13226 W Main St, Larose, LA 70373
Employees
43

Quick answers

South Lafourche Bank & Trust Company: common questions

Is South Lafourche Bank & Trust Company FDIC insured?

Yes. South Lafourche Bank & Trust Company is an FDIC-insured institution (FDIC certificate #19755). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is South Lafourche Bank & Trust Company's TellerScore?

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

Has South Lafourche Bank & Trust Company ever failed?

There is no failure record for FDIC certificate #19755 in the FDIC failed bank list.

How many branches does South Lafourche Bank & Trust Company have?

4 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Larose

InstitutionScoreAssetsCapitalProblem loansCompare
South Louisiana BankBank Houma, LA91 out of 100, Very strong$659.8M15.3%0.45%vs
Barton Plant Employees Federal Credit UnionCredit union Luling, LA87 out of 100, Very strong$15.7M33.0%0.14%vs
United Community BankBank Raceland, LA83 out of 100, Strong$665.5M14.5%0.73%vs
Fifth District Savings BankBank New Orleans, LA81 out of 100, Strong$531.8M21.4%0.09%vs
Jefferson Parish Employees Federal Credit UnionCredit union Harahan, LA76 out of 100, Strong$166.1M13.4%0.44%vs
State Bank & Trust CompanyBank Golden Meadow, LA74 out of 100, Strong$165.1M10.6%0.46%vs