🏦Bank Scorer

FIRST NATIONAL BANK USA

BOUTTE, LA · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1975FDIC #22,046
Satisfactory Same

Current rating · Exam: July 2023

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.77%

Is this bank safe?

FIRST NATIONAL BANK USA holds a Satisfactory CRA rating (2023), is financially strong (ROA +1.77%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Address

13386 Highway 90, BOUTTE, LA

County

St. Charles County

Established

June 23, 1975

Total Assets

$240M(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

July 31, 2023

Exam Type

Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Jul 2028(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$240M

Total Deposits

$205M

Net Loans

$113M

Net Income

$1M

ROA

1.77%

Above avg for Small banks. Peer avg: 0.44%

ROE

12.46%

Risk-Based Capital

0.00%

Below avg for Small banks. Regulatory min: 8%

Peer Comparison

Small banks

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

ROA1.77%Peer avg: 0.44%▲ Above avg
Risk-Based Capital0.00%Peer avg: 23.03%▼ Below avg
Mortgage Denial Rate6.06%Peer avg: 6.90%▼ Fewer than avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

2

Branch Deposits

$192M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20243369.7%6.06%
20234397.67%0.00%
20198674.42%9.30%
20189263.04%13.04%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

Rating History

CRA / FFIEC
Exam DateRatingExam Type
Jul 2023SatisfactorySmall Bank
Apr 2019SatisfactorySmall Bank
Jan 2014SatisfactorySmall Bank

4 previous ratings locked — back to 1994

Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.

orGet Business plan for unlimited access

One-time payment · No subscription required

Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/first-national-bank-usa"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: