First NBC Bank

210 Baronne Street
New Orleans, LA 70112

General Bank Information

FDIC Insured Yes

FDIC Certificate # 58302

Date Established 2006

First NBC Bank is an FDIC insured institution located in New Orleans, LA. It was founded in 2006 and has approximately $3.63 billion in assets. Customers can open an account via one of its 32 branches.

First NBC Bank Financial Size

Assets $3.63 billion
Loans $2.90 billion
Deposits $2.99 billion
Capital $0.40 billion

For a more detailed analysis of First NBC Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 10.87
Multifamily
Mortgages
5.94
Credit Card Loans 0.07
Consumer Auto Loans 0.07
Small Business Loans 3.70
Construction and Development Loans 10.96
Commercial Real Estate 29.65
Commercial and Industrial Loans 34.87
Farm Loans 0.00



The top three loan types in First NBC Bank’s loan portfolio are Commercial and Industrial Loans, Commercial Real Estate, and Construction and Development Loans.

Compared to other banks in Louisiana, First NBC Bank has a significantly higher percent of Multifamily Mortgages, Commercial and Industrial Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.


Your Current Location:
NEW JERSEY, NJ 07095


CD Rates APY Min Max More
3 Mo CD 10K 0.35% $1,000 -
6 Mo CD 10K 0.45% $10,000 $99,999
6 Mo CD 100K 0.60% $100,000 $249,999
12 Mo CD 10K 0.75% $10,000 $99,999
12 Mo CD 100K 0.85% $100,000 $249,999
18 Mo CD 10K 0.80% $10,000 $99,999
18 Mo CD 100K 0.90% $100,000 $249,999
24 Mo CD 10K 1.26% $10,000 $99,999
24 Mo CD 100K 1.26% $100,000 $249,999
36 Mo CD 10K 1.31% $10,000 $99,999
36 Mo CD 100K 1.36% $100,000 $249,999
60 Mo CD 10K 2.02% $10,000 $99,999
60 Mo CD 100K 2.02% $100,000 $249,999
Savings Rates APY Min Max More
Savings 2.5K 0.25% $1 $9,999
Fixed IRA Rates APY Min Max More
Fixed IRA 0K 0.45% $1 $9,999
MM Rates APY Min Max More
MM 10K 1.06% $10,000 $249,999
Int Checking Rates APY Min Max More
Int Ckg 0K 0.25% $1,000 $9,999

Your Current Location:
NEW JERSEY, NJ 07095


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Branches

First NBC Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
WOODBRIDGE,NEW JERSEY



First Nbc Bank Locations

First NBC Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of First NBC Bank. The data is provided by the FDIC. Please remember that all banks listed on BestCashCow.com are FDIC insured while all credit unions are similarly insured by the NCUA. No depositor has ever lost money while their funds have been insured by the FDIC or NCUA.

First NBC Bank U.S. Bank Average
Texas Ratio 6.45% 10.62%

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of September 30, 2014, First NBC Bank had $22,921,000 in non-current loans and $5,262,000 in owned real estate. To cover these potential losses it had $396,657,000 in equity and $40,300,000 in loans loss reserves. That gives it a Texas Ratio of 6.45%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity 14.41% 9.04%

First NBC Bank has a Return on Equity of 14.41% versus the BestCashCow average of 9.04%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization 10.93% 11.20%

First NBC Bank has a Capitalization of 10.93% versus the BestCashCow average of 11.20%. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

First NBC Bank Balance Sheet Analysis

As of September 30, 2014, First NBC Bank had assets of $3,628,632,000, loans of $2,903,245,000, and deposits of $2,992,980,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

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