First Federal Bank of Louisiana: how it compares with its peers
Against 29 LA banks with half to twice its assets, First Federal Bank of Louisiana's strongest measure in Q2 2026 is assets per employee ($5.8M vs. a $6.4M peer median). Its weakest relative measure is return on assets (0.32% vs. 1.56%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.32% | 1.56% | Bottom third Ahead of 7% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.88% | 4.31% | Bottom third Ahead of 7% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 82.10% | 61.91% | Bottom third Ahead of 7% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.8M | $6.4M | Bottom third Ahead of 31% of peers |
| Loans to deposits Net loans and leases over total deposits. | 63.96% | 82.40% | Context |
What it means for lending operations
Its efficiency ratio of 82.10% is above the 61.91% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Liberty Bank and Trust Company New Orleans, LA · $1.13B
- The Evangeline Bank and Trust Company Ville Platte, LA · $1.11B
- FIDELITY BANK New Orleans, LA · $1.23B
- Crescent Bank Metairie, LA · $1.07B
- JD Bank Jennings, LA · $1.26B
- Synergy Bank Houma, LA · $1.28B
Questions about First Federal Bank of Louisiana
How big is First Federal Bank of Louisiana?
First Federal Bank of Louisiana, established in 1949, is headquartered in Lake Charles, LA. It reported $1.15B in total assets in its Q2 2026 FDIC call report and operates 16 offices.
What is First Federal Bank of Louisiana's return on assets?
0.32% annualized in Q2 2026, against a 1.56% median for 29 LA banks with half to twice its assets, ahead of 7% of them.
What is First Federal Bank of Louisiana's efficiency ratio?
82.10% in Q2 2026: it spent about 82 cents in noninterest expense for each dollar of revenue. The peer median is 61.91%, and lower is better.
Is First Federal Bank of Louisiana growing its loans?
Net loans shrank 5.2% over the year to Q2 2026, while deposits grew 0.7%.
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.