🏦Bank Scorer

This institution is no longer active

Operations ceased on February 20, 2018. CRA examination history below reflects the period it was active.

TECHE BANK & TRUST CO.

SAINT MARTINVILLE, LA · Supervised by FDIC

Est. 1969FDIC #20,041RSSD: FDIC-20041
Part ofLOUISIANA COMMUNITY BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: June 2014

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.17%

Institution Profile

FDIC BankFind

Address

606 South Main Street, SAINT MARTINVILLE, LA

County

St. Martin County

Established

September 27, 1969

Total Assets

$95M(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

June 1, 2014

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 12 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q4 2017Call Report / FDIC

Total Assets

$95M

Total Deposits

$82M

Net Loans

$59M

Net Income

$1M

ROA

1.17%

ROE

10.12%

Risk-Based Capital

20.20%

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 Rate12.50%Peer avg: 7.63%▼ Below avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
2018850%12.50%

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

6 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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