TellerScore

Headquartered in Houma, Louisiana, South Louisiana Bank is a state-chartered bank with $659.8M in total assets and $548.6M in deposits as of Q2 2026. It operates 10 offices. Its charter dates back to 1980.

Based on its Q2 2026 filing, South Louisiana Bank scores 91/100, which we describe as very strong. That is higher than 96% of 2,650 banks with $100 million – $1 billion. Among 104 banks headquartered in Louisiana, it ranks 1st. Its strongest component is capital cushion (100/100; 15.30%), and its lowest is funding & liquidity (77/100; 65% loans-to-deposits, 32% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 15.30%
Loan quality85/100
Noncurrent loans ÷ total loans: 0.45%
Earnings92/100
Return on assets (annualized): 1.80%
Funding & liquidity77/100
Loans ÷ deposits and uninsured-deposit share: 64.7% · 32.0% uninsured
Problem-loan coverage97/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.43%

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 rose 6 points (85 → 91), mostly because the earnings component improved by 16 points.

TellerScore
798591Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202479
Q3 202482
Q4 202483
Q1 202585
Q2 202585
Q3 202589
Q4 202587
Q1 202688
Q2 202691
Tier 1 leverage ratio
5.00%10.15%15.30%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 202413.10%
Q3 202413.46%
Q4 202413.20%
Q1 202513.49%
Q2 202513.93%
Q3 202514.78%
Q4 202514.59%
Q1 202614.66%
Q2 202615.30%
Noncurrent loans
0.35%0.45%0.54%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.54%
Q3 20240.48%
Q4 20240.42%
Q1 20250.45%
Q2 20250.46%
Q3 20250.35%
Q4 20250.46%
Q1 20260.48%
Q2 20260.45%
Return on assets
1.19%1.50%1.80%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.19%
Q3 20241.26%
Q4 20241.38%
Q1 20251.49%
Q2 20251.39%
Q3 20251.47%
Q4 20251.51%
Q1 20261.59%
Q2 20261.80%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202691$659.8M15.30%0.45%1.80%64.7%
Q1 202688$675.5M14.66%0.48%1.59%62.6%
Q4 202587$656.9M14.59%0.46%1.51%65.0%
Q3 202589$657.0M14.78%0.35%1.47%64.6%
Q2 202585$678.4M13.93%0.46%1.39%63.1%
Q1 202585$700.4M13.49%0.45%1.49%60.2%
Q4 202483$673.5M13.20%0.42%1.38%60.3%
Q3 202482$693.3M13.46%0.48%1.26%57.5%
Q2 202479$700.2M13.10%0.54%1.19%53.0%

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 ratio15.30%
88th
Total risk-based capital0.00%
24th
Problem loans0.45%
48th
Net charge-offs0.05%
27th
Return on assets1.80%
80th
Net interest margin4.70%
86th
Efficiency ratio59.4%
59th
Loans to deposits64.7%
77th
Uninsured deposits32.0%
23rd
Loan-loss reserves3.97%
100th
Texas ratio1.4%
64th

Similar-size banks in Louisiana

InstitutionScoreAssetsCapitalProblem loansCompare
Homeland Federal Savings BankBank Columbia, LA59 out of 100, Moderate$657.8M9.2%0.99%vs
United Community BankBank Raceland, LA83 out of 100, Strong$665.5M14.5%0.73%vs
Metairie Bank & Trust CompanyBank Metairie, LA75 out of 100, Strong$666.0M11.5%0.46%vs
Concordia Bank & Trust CompanyBank Vidalia, LA52 out of 100, Below average$667.0M11.1%2.54%vs
The First National Bank of JeaneretteBank Jeanerette, LA73 out of 100, Strong$646.5M10.0%0.23%vs
Home Federal BankBank Shreveport, LA65 out of 100, Moderate$644.0M9.3%0.63%vs

Deposit insurance

Is my money safe at South Louisiana Bank?

Yes. South Louisiana Bank is an FDIC-insured institution (FDIC certificate #23144). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 32.0% of deposits ($175.8M) 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 15.30%, 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

South Louisiana Bank lists 9 offices in 5 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, South Louisiana Bank reported 70 home-loan applications under HMDA (LEI 5493001P1J1K386Q4G58): 63 originated ($16,895,000 total), 4 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.7%, 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 Louisiana Bank
Former names
South Louisiana Bank, Houma, Louisiana
Type
State-chartered bank
FDIC certificate #
23144
RSSD ID
616036
Primary regulator
FDIC
Holding company
South Louisiana Financial Corp
Established
June 30, 1980
Headquarters
1362 W Tunnel Blvd, Houma, LA 70360
Employees
153

Quick answers

South Louisiana Bank: common questions

Is South Louisiana Bank FDIC insured?

Yes. South Louisiana Bank is an FDIC-insured institution (FDIC certificate #23144). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is South Louisiana Bank's TellerScore?

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

Has South Louisiana Bank ever failed?

There is no failure record for FDIC certificate #23144 in the FDIC failed bank list.

How many branches does South Louisiana Bank have?

10 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Houma

InstitutionScoreAssetsCapitalProblem loansCompare
Morgan City Federal Credit UnionCredit union Morgan City, LA84 out of 100, Strong$4.8M16.7%0.00%vs
United Community BankBank Raceland, LA83 out of 100, Strong$665.5M14.5%0.73%vs
Riverland Federal Credit UnionCredit union New Orleans, LA78 out of 100, Strong$319.7M15.8%0.55%vs
State Bank & Trust CompanyBank Golden Meadow, LA74 out of 100, Strong$165.1M10.6%0.46%vs
First American Bank and TrustBank Vacherie, LA73 out of 100, Strong$1.4B13.8%1.28%vs
Capital One, National AssociationBank Mclean, VA66 out of 100, Moderate$662.2B10.6%1.49%vs