Side-by-side · Q2 2026 data
First National Bank of Louisiana vs Old Spanish Trail Credit Union
Metric by metric
| Measure | First National Bank of Louisiana | Old Spanish Trail Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 77 |
| Capital cushion | 60 | 100 (stronger) |
| Loan quality | 100 (stronger) | 90 |
| Earnings | 84 (stronger) | 27 |
| Funding & liquidity | 53 | 63 (stronger) |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 72nd | 57th |
| Total assets | $631.1M | $5.5M |
| Deposits / shares | $556.5M | $3.8M |
| Capital ratio | 11.02% | 30.51% (stronger) |
| Problem loans | 0.00% (stronger) | 0.31% |
| Net charge-offs | 0.00% (stronger) | 0.48% |
| Return on assets | 1.60% (stronger) | 0.16% |
| Loans ÷ deposits | 82.0% (stronger) | 97.5% |
| Uninsured deposits | 37.9% | 0.0% (stronger) |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.9% | — |
First National Bank of Louisiana has the higher TellerScore (78 vs 77). On the 7 directional measures above (where higher or lower is clearly better), First National Bank of Louisiana leads on 5 and Old Spanish Trail Credit Union on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.