First NBC Bank


210 Baronne Street
New Orleans, LA 70112
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.70% →
2-Year CD N.A. 0.75% →
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 NBC Bank is an FDIC insured institution located in New Orleans, LA. It was founded in 2006 and has approximately $3.33 billion in assets. Customers can open an account at one of its 24 branches.

FDIC Insured Yes
FDIC Certificate # 58302
Date Established 2006
Assets $ 4.74 billion
Loans $ 2.21 billion
Deposits $ 3.03 billion
Capital N.A.

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.

Deposit Rates - September 20, 2021

Your Current Location: Connecticut, CT 06828


Loan Rates - September 20, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for First NBC Bank

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

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Learn More
NMLS ID: 1907
2.808% 2.750%
-0.25 points
$1,875 fees
$1,021 Learn More
Neighbors Bank
NMLS ID: 491986
2.760% 2.750%
0.13 points
$312 fees
$1,021 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
BMO Harris Bank
BMO Harris Bank
See Table
Intro APR 1.790 %
After Intro: 4.840 %
Intro Period: 6 months
$0 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to First NBC Bank
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Financial Details

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. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
First NBC Bank U.S. Bank Average
225.37% 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 NBC Bank had $566,444,000 in non-current loans and $9,395,000 in owned real estate. To cover these potential losses it had $-112,621,000 in equity and $368,130,000 in loans loss reserves. That gives it a Texas Ratio of 225.37%.

Return on Equity
First NBC Bank U.S. Bank Average
-4.38% 11.43%

First NBC Bank has a Return on Equity of -4.38% 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.

First NBC Bank U.S. Bank Average
-2.38% 11.51%

First NBC Bank has a Capitalization of -2.38% 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 NBC Bank Balance Sheet Analysis

As of March 31, 2017, First NBC Bank had assets of $3,325,870,000, loans of $2,208,140,000, and deposits of $3,032,208,000. 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
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 2.21 billion
Loan loss allowance $ 368.13 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 9.40 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
Total deposits $ 3.03 billion
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 4.74 billion

Summary Income Statement

March 31, 2021
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 11.84
Credit Card Loans 0.10
Consumer Auto Loans 0.06
Small Business Loans 5.51
Construction and Development Loans 15.71
Commercial Real Estate 37.26
Commercial and Industrial Loans 44.27
Farm Loans 0.00

Frequently Asked Questions About First Nbc Bank

Branches and Savings

Is First Nbc Bank FDIC insured?

Yes. It is covered under FDIC Certificate #58302.

Why does First Nbc 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 Nbc Bank CD rates not competitive?

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

Is First Nbc Bank a commercial bank?


Where are First Nbc Bank locations?

See branch locations nearby.

Is First Nbc Bank open on Saturdays?

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Are First Nbc Bank ATMs Open 24/7?

Do First Nbc Bank ATMs accept cash deposits?

Can First Nbc Bank customers use other ATMs?

Do First Nbc Bank branches have notaries?

Will First Nbc Bank notarize my document?

What address for First Nbc Bank should I put for incoming ACH transfers?

Will the First Nbc Bank branch print checks?

Do First Nbc Bank checks expire?

Does First Nbc Bank require US citizenship to open account?

Can First Nbc Bank close my account?

Does First Nbc Bank Report to credit bureaus?

Does First Nbc Bank Use Equifax?

What is First Nbc Bank's ACH Routing Number?

What is First Nbc Bank's SWIFT code?


Does First Nbc Bank offer mortgages?

Compare mortgage rates here.

Does First Nbc Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does First Nbc Bank offer personal loans?

Compare personal loan rates here.

Does First Nbc Bank offer student loans?

Will First Nbc Bank cash a check?

Will First Nbc Bank redeem a savings bond?

Does First Nbc Bank cash savings bonds?

Will First Nbc Bank cash money orders?

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Background on The Bank

Who owns First Nbc Bank?

How long has First Nbc Bank been around?

Can First Nbc Bank transfer to other banks?

Does First Nbc Bank have quick pay?

Does First Nbc Bank accept rolled coins?

Will First Nbc Bank accept loose change?

Where is First Nbc Bank headquarters?

Customer Reviews for First NBC Bank

  • October 1, 2016 |

    CDs 60 Month Rates

    Eric helped me today. A fine person to deal with.

  • August 24, 2016

    can an account be opened via E banking?

  • July 11, 2016

    CDs 60 Month Rates

    I'm from out of town and these are good folks to do business with!

  • September 21, 2015

    do you accept funding for money market from LLC companies at 1%

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