LOUISIANA NATIONAL BANK

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

Est. 1935FDIC #15,059

Outstanding Same

Current rating · Exam: May 2023

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Strong

ROA 1.67%

Institution Profile

FDIC BankFind

Website

www.ln.bank

Address

2001 N Trenton St, RUSTON, LA

County

Lincoln County

Established

March 20, 1935

Total Assets

$474M(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

May 29, 2023

Exam Type

Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)

What is a CRA rating? →

Estimated next exam:May 2027(based on asset size)

Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$474M

Total Deposits

$418M

Net Loans

$407M

Net Income

$2M

ROA

1.67%

Above avg for Small banks. Peer avg: 0.44%

ROE

17.33%

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).

ROA1.67%Peer avg: 0.44%▲ Above avg

Risk-Based Capital0.00%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate1.47%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$397M

1-Year Change

5-year net change: +1 branches

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	136	83.82%	1.47%
2023	126	83.33%	0.79%
2022	193	83.42%	1.55%
2021	164	87.2%	4.88%
2019	185	87.57%	7.03%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

Exam Date	Rating	Exam Type
May 2023	Outstanding	Small Bank
Aug 2020	Outstanding	Small Bank
Jul 2017	Satisfactory	Small Bank

5 previous ratings locked — back to 1995

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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