Headquartered in Opelousas, Louisiana, St. Landry Bank and Trust Company is a state-chartered bank with $294.9M in total assets and $269.7M in deposits as of Q2 2026. It operates 8 offices. Its charter dates back to 1931.
Based on its Q2 2026 filing, St. Landry Bank and Trust Company scores 46/100, which we describe as below average. That is higher than only 5% of 2,650 banks with $100 million – $1 billion. Among 104 banks headquartered in Louisiana, it ranks 96th. Its strongest component is funding & liquidity (86/100; 30% loans-to-deposits, 27% uninsured), and its lowest is loan quality (0/100; 3.42%).
TellerScore · Q2 2026
Scorecard
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 19 points (65 → 46), mostly because the loan quality component weakened by 58 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 59 |
| Q3 2024 | 60 |
| Q4 2024 | 50 |
| Q1 2025 | 47 |
| Q2 2025 | 65 |
| Q3 2025 | 66 |
| Q4 2025 | 47 |
| Q1 2026 | 44 |
| Q2 2026 | 46 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.71% |
| Q3 2024 | 10.77% |
| Q4 2024 | 11.26% |
| Q1 2025 | 11.29% |
| Q2 2025 | 11.36% |
| Q3 2025 | 11.52% |
| Q4 2025 | 11.36% |
| Q1 2026 | 11.07% |
| Q2 2026 | 11.20% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.56% |
| Q3 2024 | 1.51% |
| Q4 2024 | 3.23% |
| Q1 2025 | 3.12% |
| Q2 2025 | 1.25% |
| Q3 2025 | 1.13% |
| Q4 2025 | 3.44% |
| Q1 2026 | 3.39% |
| Q2 2026 | 3.42% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.52% |
| Q3 2024 | 0.47% |
| Q4 2024 | 0.87% |
| Q1 2025 | 0.46% |
| Q2 2025 | 0.73% |
| Q3 2025 | 0.56% |
| Q4 2025 | 0.44% |
| Q1 2026 | 0.16% |
| Q2 2026 | 0.27% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 46 | $294.9M | 11.20% | 3.42% | 0.27% | 29.9% |
| Q1 2026 | 44 | $296.3M | 11.07% | 3.39% | 0.16% | 29.0% |
| Q4 2025 | 47 | $298.6M | 11.36% | 3.44% | 0.44% | 28.0% |
| Q3 2025 | 66 | $287.8M | 11.52% | 1.13% | 0.56% | 30.0% |
| Q2 2025 | 65 | $295.2M | 11.36% | 1.25% | 0.73% | 27.8% |
| Q1 2025 | 47 | $297.0M | 11.29% | 3.12% | 0.46% | 25.1% |
| Q4 2024 | 50 | $293.1M | 11.26% | 3.23% | 0.87% | 24.7% |
| Q3 2024 | 60 | $291.4M | 10.77% | 1.51% | 0.47% | 24.4% |
| Q2 2024 | 59 | $297.4M | 10.71% | 1.56% | 0.52% | 23.0% |
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).
Similar-size banks in Louisiana
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Caldwell Bank & Trust CompanyBank Columbia, LA | 41 out of 100, Below average | $298.6M | 10.0% | 2.86% | vs |
| Catalyst BankBank Opelousas, LA | 74 out of 100, Strong | $286.8M | 26.5% | 1.43% | vs |
| Washington State BankBank Washington, LA | 63 out of 100, Moderate | $309.2M | 10.8% | 1.29% | vs |
| Bank of CoushattaBank Coushatta, LA | 34 out of 100, Low | $317.1M | 9.2% | 6.52% | vs |
| Guaranty Bank and Trust CompanyBank New Roads, LA | 58 out of 100, Moderate | $318.5M | 13.8% | 3.99% | vs |
| American Bank & Trust CompanyBank Opelousas, LA | 76 out of 100, Strong | $267.0M | 11.7% | 0.47% | vs |
Deposit insurance
Is my money safe at St. Landry Bank and Trust Company?
Yes. St. Landry Bank and Trust Company is an FDIC-insured institution (FDIC certificate #8534). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 27.5% of deposits ($74.1M) 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 11.20%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 27.91% (benchmark: 10%).
8 locations
Branches
St. Landry Bank and Trust Company lists 7 offices in 6 cities. Most locations:
- Opelousas, LA (2)
- Carencro, LA (1)
- Eunice, LA (1)
- Lafayette, LA (1)
- Port Barre, LA (1)
- Scott, LA (1)
HMDA 2025
Mortgage lending
In 2025, St. Landry Bank and Trust Company reported 42 home-loan applications under HMDA (LEI 549300PI7Z6DG3QE2087): 40 originated ($5,940,000 total), 2 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.8%, 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
- St. Landry Bank and Trust Company
- Former names
- St. Landry Bank & Trust Co. of Opelousas
- Type
- State-chartered bank
- FDIC certificate #
- 8534
- RSSD ID
- 885430
- Primary regulator
- FDIC
- Holding company
- St Landry Bancshares Inc
- Established
- January 1, 1931
- Headquarters
- 132 E Landry St, Opelousas, LA 70570
- Website
- www.stlandrybank.com
- Employees
- 63
Quick answers
St. Landry Bank and Trust Company: common questions
Is St. Landry Bank and Trust Company FDIC insured?
Yes. St. Landry Bank and Trust Company is an FDIC-insured institution (FDIC certificate #8534). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is St. Landry Bank and Trust Company's TellerScore?
46 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has St. Landry Bank and Trust Company ever failed?
There is no failure record for FDIC certificate #8534 in the FDIC failed bank list.
How many branches does St. Landry Bank and Trust Company have?
8 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Opelousas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Gulf Coast BankBank Abbeville, LA | 86 out of 100, Very strong | $513.7M | 14.7% | 0.63% | vs |
| The BankBank Jennings, LA | 83 out of 100, Strong | $462.0M | 12.8% | 0.48% | vs |
| Rayne State Bank & Trust CompanyBank Rayne, LA | 79 out of 100, Strong | $540.5M | 11.6% | 0.44% | vs |
| The Evangeline Bank and Trust CompanyBank Ville Platte, LA | 77 out of 100, Strong | $1.1B | 14.2% | 1.24% | vs |
| American Bank & Trust CompanyBank Opelousas, LA | 76 out of 100, Strong | $267.0M | 11.7% | 0.47% | vs |
| JD BankBank Jennings, LA | 76 out of 100, Strong | $1.3B | 11.9% | 0.40% | vs |