🏦Bank Scorer

This institution is no longer active

Operations ceased on August 18, 2023. CRA examination history below reflects the period it was active.

PEOPLES BANK AND TRUST COMPANY OF POINTE COUPEE PARISH

NEW ROADS, LA · Supervised by FDIC

Est. 1980FDIC #23,090RSSD: FDIC-23090
Part ofPEOPLES BANCSHARES POINTE COUPEE PARISH→ View all charters
Satisfactory Same

Current rating · Exam: November 2022

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.89%

Institution Profile

FDIC BankFind

Address

805 Hospital Rd, NEW ROADS, LA

County

Pointe Coupee County

Established

March 31, 1980

Total Assets

$320M(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

November 1, 2022

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Nov 2027(based on asset size)

Financial Snapshot

As of Q2 2023Call Report / FDIC

Total Assets

$320M

Total Deposits

$252M

Net Loans

$251M

Net Income

$3M

ROA

1.89%

ROE

10.19%

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 Rate6.11%Peer avg: 7.63%▲ Above avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202313176.34%6.11%

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

8 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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