First American Bank and Trust: how it compares with its peers
Against 17 LA banks with half to twice its assets, First American Bank and Trust's strongest measure in Q2 2026 is return on assets (1.11% vs. a 1.48% peer median). Its weakest relative measure is net interest margin (3.88% vs. 4.28%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.11% | 1.48% | Middle third Ahead of 47% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.88% | 4.28% | Middle third Ahead of 35% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 68.04% | 66.60% | Middle third Ahead of 47% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.9M | $6.5M | Middle third Ahead of 35% of peers |
| Loans to deposits Net loans and leases over total deposits. | 69.54% | 75.20% | Context |
What it means for lending operations
Its efficiency ratio of 68.04% is above the 66.60% 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
- Sabine State Bank and Trust Company Many, LA · $1.35B
- Jonesboro State Bank Jonesboro, LA · $1.30B
- Synergy Bank Houma, LA · $1.28B
- JD Bank Jennings, LA · $1.26B
- FIDELITY BANK New Orleans, LA · $1.23B
- Bonvenu Bank, National Association Bossier City, LA · $1.55B
Questions about First American Bank and Trust
How big is First American Bank and Trust?
First American Bank and Trust, established in 1910, is headquartered in Vacherie, LA. It reported $1.38B in total assets in its Q2 2026 FDIC call report and operates 25 offices.
What is First American Bank and Trust's return on assets?
1.11% annualized in Q2 2026, against a 1.48% median for 17 LA banks with half to twice its assets, ahead of 47% of them.
What is First American Bank and Trust's efficiency ratio?
68.04% in Q2 2026: it spent about 68 cents in noninterest expense for each dollar of revenue. The peer median is 66.60%, and lower is better.
Is First American Bank and Trust growing its loans?
Net loans grew 1.1% over the year to Q2 2026, while deposits grew 2.0%.
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.