First American Bank and Trust
Total assets
$1.38B
▲ +3.0% YoY
Deposits
$1.21B
▲ +2.0% YoY
Loans
$841.1M
▲ +1.1% YoY
Offices
25
ONE AMERICAN CORP
ROA (annualized)
1.11%
peers 1.26%
ROE (annualized)
9.59%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.0% | +5.5% | -2.4 pts |
| Deposit growth (YoY) | +2.0% | +5.1% | -3.0 pts |
| Loan growth (YoY) | +1.1% | +5.9% | -4.8 pts |
| ROA | 1.11% | 1.26% | -0.1 pts |
| ROE | 9.6% | 12.2% | -2.6 pts |
ROA ranks in the 39th percentile of its peer group · Q2 2026
Profile
- Established
- 1910
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- ONE AMERICAN CORP
- Specialization
- Commercial Lending Specialization
- Address
- 2785 Highway 20, Vacherie, LA, 70090
- County
- St. James
- Metro area
- New Orleans-Metairie, LA
- Offices
- 25
- FDIC cert #
- 8149
- RSSD ID
- 101037
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.38B | $1.21B | $841.1M | $162.1M | $7.7M | 1.11% | 3.88% | 0.79% |
| Q1 2026 | $1.39B | $1.22B | $839.2M | $158.3M | $3.3M | 0.96% | 3.80% | 0.74% |
| Q4 2025 | $1.36B | $1.19B | $834.5M | $160.1M | $15.6M | 1.15% | 3.74% | 0.56% |
| Q3 2025 | $1.33B | $1.16B | $838.3M | $153.3M | $11.5M | 1.13% | 3.70% | 0.44% |
| Q2 2025 | $1.34B | $1.19B | $832.0M | $145.6M | $7.4M | 1.08% | 3.58% | 0.77% |
| Q1 2025 | $1.37B | $1.21B | $822.6M | $140.3M | $3.5M | 1.03% | 3.47% | 0.82% |
| Q4 2024 | $1.37B | $1.23B | $819.2M | $133.8M | $11.5M | 0.84% | 3.12% | 0.64% |
| Q3 2024 | $1.34B | $1.17B | $824.9M | $140.5M | $8.1M | 0.79% | 3.06% | 0.72% |
Loan mix (Q2 2026): real estate $803.0M · commercial $38.6M · consumer $10.8M · securities $349.5M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.11% | 1.26% | 39th | |
Return on equity Annualized net income ÷ equity or net worth | 9.6% | 12.2% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.88% | 3.70% | 61th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.0% | 59.0% | 75th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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