🏦Bank Scorer

BANK OF SUNSET AND TRUST COMPANY

SUNSET, LA · Supervised by FDIC

Est. 1906FDIC #11,788RSSD: FDIC-11788
Part ofSUNSET BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: March 2025

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.81%

Institution Profile

FDIC BankFind

Address

863 Napoleon Ave, SUNSET, LA

County

St. Landry County

Established

January 1, 1906

Total Assets

$196M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

March 1, 2025

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Mar 2030(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$196M

Total Deposits

$174M

Net Loans

$152M

Net Income

$869K

ROA

1.81%

ROE

17.79%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate3.28%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

4

Branch Deposits

$174M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20246190.16%3.28%
202310090%7.00%
20198286.59%3.66%
20189184.62%8.79%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

9 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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