Loading bank profile
Data through Q3 2026 · 4,200 institutions
Regulatory profile
Ruston, LA · FDIC certificate #15059
LOUISIANA NATIONAL BANK is an FDIC-insured institution based in Ruston, LA (FDIC certificate #15059). In its Q3 2026 Call Report it reported total assets of $506M, total deposits of $446M and net loans of $429M. Its primary federal regulator is OCC.
Plain-language readout
LOUISIANA NATIONAL BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $506M in Q3 2026 and were lowest at $474M in Q1 2026.
Total deposits were highest at $446M in Q3 2026 and lowest at $414M in Q2 2026.
Over the whole period total assets rose 6.8%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $506M | $446M | $429M | 1.88% | 18.89% | 6.13% |
| Q2 2026 | $474M | $414M | $415M | 1.87% | 18.91% | 6.14% |
| Q1 2026 | $474M | $418M | $407M | 1.67% | 17.33% | 5.94% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $8.0M | $14.3M | -$6.3M | -44.0% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $15.2M | $15.7M | -$578K | -3.7% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $414.9M | $407.4M | +$7.5M | +1.9% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $18.2M | $18.2M | -$15K | -0.1% |
| Other real estate owned | $2.4M | $2.4M | -$52K | -2.2% |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $138K | $138K | $0K | 0.0% |
| All other assets | $15.3M | $15.4M | -$100K | -0.7% |
| Total assets | $474.0M | $473.5M | +$523K | +0.1% |
| Liabilities | ||||
| Total deposits | $413.7M | $418.0M | -$4.2M | -1.0% |
| Federal funds purchased | $2.0M | $0K | +$2.0M | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $9.3M | $8.9M | +$396K | +4.5% |
| Total liabilities | $425.0M | $426.8M | -$1.8M | -0.4% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $338K | $338K | $0K | 0.0% |
| Surplus | $21.2M | $21.2M | $0K | 0.0% |
| Retained earnings | $27.7M | $25.2M | +$2.5M | +9.7% |
| Accumulated other comprehensive income | -$157K | -$57K | -$100K | -175.4% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $49.1M | $46.7M | +$2.4M | +5.0% |
| Credit and capital | ||||
| Gross nonperforming assets | $8.3M | $8.3M | -$43K | -0.5% |
| Adjusted nonperforming assets | $8.3M | $8.3M | -$43K | -0.5% |
| Tangible equity plus allowance | $53.4M | $51.0M | +$2.5M | +4.8% |
| Texas ratio (gross) | 15.53% | 16.36% | -0.83 pts | See points |
| Texas ratio (adjusted) | 15.53% | 16.36% | -0.83 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 15.83% | 16.70% | -0.86 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 10.49% | 9.86% | +0.63 pts | See points |
| Construction and land loans to total capital | 120.06% | 108.02% | +12.04 pts | See points |
| Commercial real estate to total capital | 339.11% | 331.91% | +7.20 pts | See points |
| Dividend payout, year to date | 15.59% | 34.80% | -19.21 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -0.42% | -0.16% | -0.26 pts | See points |
| Liquidity | ||||
| Core deposits | $365.4M | $384.8M | -$19.3M | -5.0% |
| Non-core funding | $50.3M | $33.2M | +$17.1M | +51.6% |
| Loans to core deposits | 114.77% | 107.01% | +7.76 pts | See points |
| Loans to deposits | 101.37% | 98.52% | +2.85 pts | See points |
| Brokered deposits share of deposits | 5.33% | 1.98% | +3.35 pts | See points |
| Pledged securities share of securities | 0.00% | 0.00% | 0.00 pts | See points |
| Loans pledged, share of loans | 0.00% | 0.00% | 0.00 pts | See points |
| Volatile liabilities | $50.3M | $33.2M | +$17.1M | +51.6% |
| Earnings | ||||
| Earnings before provision, year to date | $6.0M | $2.7M | +$3.3M | +122.0% |
| Earnings before provision, single quarter | $3.3M | $2.7M | +$593K | +22.0% |
| Provision for credit losses, year to date | $195K | $98K | +$97K | +99.0% |
| Yield and cost | ||||
| Yield on loans and leases | 8.23% | 7.94% | +0.30 pts | See points |
| Yield on interest-bearing balances due from banks | 4.54% | 3.39% | +1.15 pts | See points |
| Total interest income to average assets | 7.42% | 7.11% | +0.31 pts | See points |
| Cost of interest-bearing transaction accounts | 3.38% | 3.51% | -0.13 pts | See points |
| Cost of savings and money market deposits | 1.10% | 1.27% | -0.17 pts | See points |
| Cost of time deposits | 3.07% | 3.03% | +0.04 pts | See points |
| Total interest expense to average assets | 1.56% | 1.67% | -0.11 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $506M | $446M | $429M | 1.88% | 18.89% | 6.13% |
| 2026-06-30 | $474M | $414M | $415M | 1.87% | 18.91% | 6.14% |
| 2026-03-31 | $474M | $418M | $407M | 1.67% | 17.33% | 5.94% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| LA | $397.2M | 0.30% | 48 | Continuing · -0.01 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.