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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Houma, LA · FDIC certificate #23144
SOUTH LOUISIANA BANK is an FDIC-insured institution based in Houma, LA (FDIC certificate #23144). In its Q3 2026 Call Report it reported total assets of $691M, total deposits of $563M and net loans of $357M. Its primary federal regulator is FDIC.
Plain-language readout
SOUTH LOUISIANA BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $691M in Q3 2026 and were lowest at $660M in Q2 2026.
Total deposits were highest at $566M in Q1 2026 and lowest at $549M in Q2 2026.
Over the whole period total assets rose 2.3%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $691M | $563M | $357M | 1.85% | 12.53% | 4.73% |
| Q2 2026 | $660M | $549M | $355M | 1.80% | 12.10% | 4.70% |
| Q1 2026 | $676M | $566M | $355M | 1.59% | 10.86% | 4.61% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $37.8M | $46.1M | -$8.2M | -17.9% |
| 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) | $237.6M | $245.4M | -$7.7M | -3.2% |
| 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) | $354.7M | $354.5M | +$224K | +0.1% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $10.7M | $10.9M | -$258K | -2.4% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| 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) | $1.2M | $1.3M | -$68K | -5.3% |
| All other assets | $17.8M | $17.4M | +$359K | +2.1% |
| Total assets | $659.8M | $675.5M | -$15.7M | -2.3% |
| Liabilities | ||||
| Total deposits | $548.6M | $566.3M | -$17.7M | -3.1% |
| Federal funds purchased | $0K | $0K | $0K | 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 | $9.9M | $10.6M | -$703K | -6.6% |
| Total liabilities | $558.5M | $576.9M | -$18.4M | -3.2% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $1.0M | $1.0M | $0K | 0.0% |
| Surplus | $55.5M | $50.5M | +$5.0M | +9.9% |
| Retained earnings | $45.9M | $47.6M | -$1.7M | -3.5% |
| Accumulated other comprehensive income | -$1.1M | -$454K | -$619K | -136.3% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $101.3M | $98.6M | +$2.7M | +2.8% |
| Credit and capital | ||||
| Gross nonperforming assets | $1.7M | $1.8M | -$114K | -6.4% |
| Adjusted nonperforming assets | $1.7M | $1.8M | -$114K | -6.4% |
| Tangible equity plus allowance | $114.8M | $112.1M | +$2.7M | +2.4% |
| Texas ratio (gross) | 1.45% | 1.58% | -0.14 pts | See points |
| Texas ratio (adjusted) | 1.45% | 1.58% | -0.14 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 1.90% | 1.98% | -0.08 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) | 15.30% | 14.66% | +0.64 pts | See points |
| Construction and land loans to total capital | 28.65% | 30.43% | -1.78 pts | See points |
| Commercial real estate to total capital | 96.51% | 100.71% | -4.20 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -1.97% | -1.34% | -0.64 pts | See points |
| Liquidity | ||||
| Core deposits | $476.8M | $497.2M | -$20.4M | -4.1% |
| Non-core funding | $71.9M | $69.2M | +$2.7M | +3.9% |
| Loans to core deposits | 77.48% | 74.28% | +3.20 pts | See points |
| Loans to deposits | 67.33% | 65.21% | +2.13 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 53.86% | 57.85% | -4.00 pts | See points |
| Loans pledged, share of loans | 44.81% | 33.92% | +10.89 pts | See points |
| Volatile liabilities | $71.9M | $69.2M | +$2.7M | +3.9% |
| Earnings | ||||
| Earnings before provision, year to date | $7.8M | $3.6M | +$4.2M | +117.7% |
| Earnings before provision, single quarter | $4.2M | $3.6M | +$635K | +17.7% |
| Provision for credit losses, year to date | $225K | $225K | $0K | 0.0% |
| Yield and cost | ||||
| Yield on loans and leases | 7.72% | 7.61% | +0.11 pts | See points |
| Yield on interest-bearing balances due from banks | 4.74% | 3.47% | +1.26 pts | See points |
| Total interest income to average assets | 5.67% | 5.51% | +0.16 pts | See points |
| Cost of interest-bearing transaction accounts | 0.39% | 0.45% | -0.06 pts | See points |
| Cost of savings and money market deposits | 1.60% | 1.57% | +0.04 pts | See points |
| Cost of time deposits | 3.82% | 3.83% | -0.02 pts | See points |
| Total interest expense to average assets | 1.27% | 1.28% | -0.00 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 | $691M | $563M | $357M | 1.85% | 12.53% | 4.73% |
| 2026-06-30 | $660M | $549M | $355M | 1.80% | 12.10% | 4.70% |
| 2026-03-31 | $676M | $566M | $355M | 1.59% | 10.86% | 4.61% |
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 | $553.6M | 0.42% | 34 | Continuing · -0.04 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.