First National Bank USA: how it compares with its peers
Against 47 LA banks with half to twice its assets, First National Bank USA's strongest measure in Q2 2026 is assets per employee ($8.6M vs. a $5.8M peer median). Its weakest relative measure is return on assets (1.65% vs. 1.15%).
| Measure | First National Bank USA | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.65% | 1.15% | Top third Ahead of 77% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.76% | 4.30% | Top third Ahead of 83% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 54.32% | 65.34% | Top third Ahead of 91% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.6M | $5.8M | Top third Ahead of 94% of peers |
| Loans to deposits Net loans and leases over total deposits. | 52.60% | 79.84% | Context |
What it means for lending operations
Its efficiency ratio of 54.32% is better than the 65.34% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Currency Bank Baton Rouge, LA · $249M
- Anthem Bank & Trust Plaquemine, LA · $250M
- Bank of Abbeville & Trust Company Abbeville, LA · $245M
- Citizens Progressive Bank Winnsboro, LA · $243M
- Hibernia Bank New Orleans, LA · $257M
Questions about First National Bank USA
How big is First National Bank USA?
First National Bank USA, established in 1975, is headquartered in Boutte, LA. It reported $249M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is First National Bank USA's return on assets?
1.65% annualized in Q2 2026, against a 1.15% median for 47 LA banks with half to twice its assets, ahead of 77% of them.
What is First National Bank USA's efficiency ratio?
54.32% in Q2 2026: it spent about 54 cents in noninterest expense for each dollar of revenue. The peer median is 65.34%, and lower is better.
Is First National Bank USA growing its loans?
Net loans grew 4.9% over the year to Q2 2026, while deposits grew 10.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are LA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Louisiana bank ranked.