Beauregard FSB


122 Jefferson Avenue
Deridder, LA 70634
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.25% 0.95% →
1-Year CD 0.75% 1.01% →
2-Year CD 0.75% 0.95% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Beauregard FSB is an FDIC insured institution located in Deridder, LA. It was founded in 1948 and has approximately $0.06 billion in assets. Customers can open an account at one of its 2 branches.

FDIC Insured Yes
FDIC Certificate # 30339
Date Established 1948
Assets $ 64.34 million
Loans $ 44.84 million
Deposits $ 51.60 million
Capital $ 11.59 million

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

Deposit Rates - October 24, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
0.25% $2,500 $4,999 Learn More
Money Market
0.15% $2,500 $2,999 Learn More
Money Market
0.15% $10,000 $14,999 Learn More
Money Market
0.15% $25,000 $29,999 Learn More
6 Mo CD
0.50% $10,000 $14,999 Learn More
6 Mo CD
0.50% $100,000 $199,999 Learn More
12 Mo CD
0.75% $10,000 $14,999 Learn More
12 Mo CD
0.75% $100,000 $199,999 Learn More
18 Mo CD
0.75% $10,000 $14,999 Learn More
18 Mo CD
0.75% $100,000 $199,999 Learn More
24 Mo CD
0.75% $10,000 $14,999 Learn More
24 Mo CD
0.75% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.15% $2,500 $3,499 Learn MoreShow Less

Loan Rates - October 24, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Beauregard FSB

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
First Internet Bank
NMLS ID: 424182
2.664% 2.625% 0.50 $1,290 $1,005 Learn More
Rocket Mortgage
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More
NMLS ID: 2890
License#: MC-3098
2.575% 2.500% 1.00 $2,470 $988 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
More Info

Note to Beauregard FSB
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Financial Details

Beauregard FSB Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Beauregard FSB. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Beauregard FSB U.S. Bank Average
13.8% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, Beauregard FSB had $1,014,000 in non-current loans and $720,000 in owned real estate. To cover these potential losses it had $11,591,000 in equity and $970,000 in loans loss reserves. That gives it a Texas Ratio of 13.8%.

Return on Equity
Beauregard FSB U.S. Bank Average
7.81% 7.80%

Beauregard FSB has a Return on Equity of 7.81% versus the BestCashCow average of 7.80%. 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.

Beauregard FSB U.S. Bank Average
18.01% 12.68%

Beauregard FSB has a Capitalization of 18.01% versus the BestCashCow average of 12.68. 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.

Beauregard FSB Balance Sheet Analysis

As of March 31, 2020, Beauregard FSB had assets of $64,342,000, loans of $44,839,000, and deposits of $51,602,000. 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.

Summary Balance Sheet

March 31, 2020
Cash & Balances due from depository institutions $ 10.18 million
Interest-bearing balances $ 8.79 million
Total securities $ 7.51 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 44.84 million
Loan loss allowance $ 0.97 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.72 million
Goodwill and other intangibles N.A.
All other assets $ 0.52 million
     Total Assets $ 52.75 million
Total deposits $ 51.60 million
      Interest-bearing deposits $ 42.33 million
      Deposits held in domestic offices $ 51.60 million
      % insured (estimated) 80.56%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 1.00 million
Subordinated debt N.A.
All other liabilities $ 0.15 million
      Total Liabilities $ 52.75 million
      Shareholders’ Equity $ 11.59 million

Summary Income Statement

March 31, 2020
Total Interest Income $ 0.87 million
Total Interest Expense $ 0.09 million
Net interest income $ 0.78 million
Provision for loan and lease losses $ 0.02 million
Total non interest income $ 0.05 million
Total non interest expense $ 0.59 million
Pre-tax Net Operating Income $ 0.22 million

Bank Loan Profile?

The top three loan types in Beauregard FSB’s loan portfolio are 1-4 Family Residential Loans, Commercial and Industrial Loans, and Construction and Development Loans.

Compared to other banks in Louisiana, Beauregard FSB has a significantly higher percent of 1-4 Family Residential 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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 62.45
Credit Card Loans 0.00
Consumer Auto Loans 1.86
Small Business Loans 0.00
Construction and Development Loans 9.24
Commercial Real Estate 8.63
Commercial and Industrial Loans 10.70
Farm Loans 0.00

Frequently Asked Questions About Beauregard Fsb

Branches and Savings

Is Beauregard Fsb FDIC insured?

Yes. It is covered under FDIC Certificate #30339.

Why does Beauregard Fsb pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Beauregard Fsb CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Beauregard Fsb a commercial bank?


Where are Beauregard Fsb locations?

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Is Beauregard Fsb open on Saturdays?

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Are Beauregard Fsb ATMs Open 24/7?

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Does Beauregard Fsb offer mortgages?

Compare mortgage rates here.

Does Beauregard Fsb offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Beauregard Fsb offer personal loans?

Compare personal loan rates here.

Does Beauregard Fsb offer student loans?

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Background on The Bank

Who owns Beauregard Fsb?

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Can Beauregard Fsb transfer to other banks?

Does Beauregard Fsb have quick pay?

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Will Beauregard Fsb accept loose change?

Where is Beauregard Fsb headquarters?

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