This institution is no longer active

Operations ceased on March 1, 2022. CRA examination history below reflects the period it was active.

FIRST BANK AND TRUST

NEW ORLEANS, LA · Supervised by FDIC

Est. 1991FDIC #33,405RSSD: FDIC-33405

Part ofFIRST TRUST CORP→ View all charters

Satisfactory Same

Current rating · Exam: March 2019

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 2.05%

Is this bank safe?

FIRST BANK AND TRUST holds a Satisfactory CRA rating (2019), is financially strong (ROA +2.05%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Address

909 Poydras St, NEW ORLEANS, LA

County

Orleans County

Established

May 17, 1991

Total Assets

$1.3B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

March 1, 2019

Exam Type

Intermediate Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 7 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q4 2021Call Report / FDIC

Total Assets

$1.3B

Total Deposits

$1.1B

Net Loans

$1.0B

Net Income

$25M

ROA

2.05%

Above avg for Community banks. Peer avg: 0.90%

ROE

22.44%

Risk-Based Capital

14.75%

Above avg for Community banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

ROA2.05%Peer avg: 0.90%▲ Above avg

Risk-Based Capital14.75%Peer avg: 12.91%▲ Above avg

Mortgage Denial Rate3.34%Peer avg: 10.20%▼ Fewer than avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2022	299	89.63%	3.34%
2021	569	87.87%	3.51%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Mar 2019	Satisfactory	Intermediate Small Bank
Jan 2016	Satisfactory	Intermediate Small Bank
Aug 2012	Satisfactory	Intermediate Small Bank

7 previous ratings locked — back to 1993

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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