First National Banker's Bank

Headquarters

7813 Office Park Boulevard
Baton Rouge, LA 70809
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.80% →
2-Year CD N.A. 0.80% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

First National Banker's Bank is an FDIC insured institution located in Baton Rouge, LA. It was founded in 1984 and has approximately $1.02 billion in assets. Customers can open an account at one of its 5 branches.

FDIC Insured Yes
FDIC Certificate # 25247
Date Established 1984
Assets $ 1,023.39 million
Loans $ 513.77 million
Deposits $ 444.24 million
Capital $ 154.62 million
 

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

Deposit Rates - September 23, 2021

Your Current Location: California, CA 92111

 

Loan Rates - September 23, 2021

Your Current Location: California, CA 92111

There are currently no loan rates available for First National Banker's Bank

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




Featured - California 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Payment
Learn More
Flagstar Bank, FSB
NMLS ID: 417490
3.184% 3.125%
0.75 points
$1,865 fees
$1,071 Learn More

Featured - California Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
BMO Harris Bank
BMO Harris Bank
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Intro APR 1.790 %
After Intro: 4.840 %
Intro Period: 6 months
$0 Learn More
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Third Federal Savings and Loan
Third Federal Savings and Loan
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2.240 %
$0 Learn More
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Note to First National Banker's Bank
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Branches

First National Banker's 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:
San Diego,California


First National Banker's Bank Locations


Financial Details

First National Banker's Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of First National Banker's Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
First National Banker's Bank U.S. Bank Average
6.46% 5.29%

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, 2021, First National Banker's Bank had $10,993,000 in non-current loans and $234,000 in owned real estate. To cover these potential losses it had $154,622,000 in equity and $19,121,000 in loans loss reserves. That gives it a Texas Ratio of 6.46%.

Return on Equity
First National Banker's Bank U.S. Bank Average
5.41% 11.43%

First National Banker's Bank has a Return on Equity of 5.41% versus the BestCashCow average of 11.43%. 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
First National Banker's Bank U.S. Bank Average
15.11% 11.51%

First National Banker's Bank has a Capitalization of 15.11% versus the BestCashCow average of 11.51. 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 National Banker's Bank Balance Sheet Analysis

As of March 31, 2021, First National Banker's Bank had assets of $1,023,389,000, loans of $513,766,000, and deposits of $444,236,000. 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, 2021
ASSETS
Cash & Balances due from depository institutions $ 411.64 million
Interest-bearing balances $ 402.31 million
Total securities $ 20.91 million
Federal funds sold and reverse repurchase $ 3.85 million
Net loans and leases $ 513.77 million
Loan loss allowance $ 19.12 million
Trading account assets $ 3.54 million
Bank premises and fixed assets N.A.
Other real estate owned $ 0.23 million
Goodwill and other intangibles $ 0.45 million
All other assets $ 54.64 million
     Total Assets $ 868.77 million
LIABILITIES
Total deposits $ 444.24 million
      Interest-bearing deposits $ 3.56 million
      Deposits held in domestic offices $ 444.24 million
      % insured (estimated) 22.85%
Federal funds purchased and repurchase agreements $ 410.50 million
Trading liabilities N.A.
Other borrowed funds $ 5.00 million
Subordinated debt N.A.
All other liabilities $ 9.03 million
      Total Liabilities $ 868.77 million
      Shareholders’ Equity $ 154.62 million

Summary Income Statement

March 31, 2021
INCOME AND EXPENSES
Total Interest Income $ 6.09 million
Total Interest Expense $ 0.12 million
Net interest income $ 5.97 million
Provision for loan and lease losses $ 0.50 million
Total non interest income $ 10.55 million
Total non interest expense $ 13.28 million
Pre-tax Net Operating Income $ 2.74 million

Bank Loan Profile?

The top three loan types in First National Banker's Bank’s loan portfolio are Commercial Real Estate, Construction and Development Loans, and Multifamily Mortgages.

Compared to other banks in Louisiana, First National Banker's Bank has a significantly higher percent of Multifamily Mortgages, Construction and Development Loans, Commercial Real Estate 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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 2.24
Multifamily
Mortgages
5.48
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 17.66
Commercial Real Estate 54.98
Commercial and Industrial Loans 5.47
Farm Loans 0.39

Frequently Asked Questions About First National Banker's Bank

Branches and Savings

Is First National Banker's Bank FDIC insured?

Yes. It is covered under FDIC Certificate #25247.

Why does First National Banker's Bank pay such low interest on savings accounts?

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

Why are First National Banker's Bank CD rates not competitive?

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

Is First National Banker's Bank a commercial bank?

Yes

Where are First National Banker's Bank locations?

See branch locations nearby.

Is First National Banker's Bank open on Saturdays?

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Are First National Banker's Bank ATMs Open 24/7?

Do First National Banker's Bank ATMs accept cash deposits?

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Will First National Banker's Bank notarize my document?

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Products

Does First National Banker's Bank offer mortgages?

Compare mortgage rates here.

Does First National Banker's Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does First National Banker's Bank offer personal loans?

Compare personal loan rates here.

Does First National Banker's Bank offer student loans?

Will First National Banker's Bank cash a check?

Will First National Banker's Bank redeem a savings bond?

Does First National Banker's Bank cash savings bonds?

Will First National Banker's Bank cash money orders?

Can First National Banker's Bank issue a money order?

Does First National Banker's Bank do currency exchange?

Background on The Bank

Who owns First National Banker's Bank?

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