First American Bank and Trust
Vacherie, Louisiana, St. James County
$1.4B in total assets, the 817th largest of 4,309 US banks and 10th of 104 headquartered in Louisiana.
- FDIC certificate
- 8149
- Established
- 1910
- Owned by
- One American Corp
- Primary regulator
- FDIC
- Website
- www.fabt.com
At a glance
Compared with 17 banks headquartered in Louisiana with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $1.4B | 53% | $1.3B | |
| Loans | $853M | 35% | $1.0B | |
| Deposits | $1.2B | 47% | $1.2B | |
| Return on assets | 1.17% | 47% | 1.18% | |
| Net interest margin | 3.88% | 29% | 4.20% | |
| Efficiency ratio | 68.0% | 50% | 66.5% | |
| Equity to assets | 11.73% | 65% | 11.08% | |
| Loans to deposits | 71% | 35% | 80% |
Growth
Total assets grew 3.7% a year over the last 5 years and 4.9% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jul 2001 | Schwegmann Bank and Trust Company Harvey, LA, an affiliate under the same holding company | $35M |
| Sep 1996 | First American Bank of Tangipahoa Hammond, LA | $7M |
| Aug 1994 | Oak Tree Federal Savings Bank New Orleans, LA | $1.5B |
| Feb 1991 | Merchants Trust & Savings Bank Kenner, LA | $44M |
| Nov 1989 | Bank of St. Charles St. Rose, LA | $65M |
Where they operate
25 branches in 11 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| St. James County, LA | $445M | 78.8% | 1 of 2 |
| St. Charles County, LA | $210M | 30.8% | 1 of 4 |
| Lafourche County, LA | $137M | 6.1% | 10 of 11 |
| Jefferson County, LA | $118M | 0.9% | 16 of 26 |
| Ascension County, LA | $99M | 5.1% | 6 of 11 |
| St. John The Baptist County, LA | $71M | 15.6% | 4 of 7 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 1 branch since 2016 (24 to 25, +4.2%). 1 opened, 0 acquired, 0 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 24 | |||
| 2018 | Opened Geismar | 1 | 0 | +1 | 25 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| 1-4 family residential | 56% | 25% | |
| Commercial real estate | 23% | 33% | |
| Construction and land | 11% | 9% | |
| Business (C&I) | 5% | 15% | |
| Multifamily | 4% | 4% | |
| Consumer | 1% | 5% | |
| Farmland | 0% | 2% | |
| Agricultural | 0% | 1% | |
| Other | 0% | 6% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Noninterest-bearing | 39% | 18% | |
| Other interest-bearing | 38% | 44% | |
| Time deposits | 24% | 38% |
Brokered deposits are 0.0% of deposits (peers 9.4%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 1.28% | 1.18% |
| Net charge-offs, annualized | 0.32% | 0.12% |
| Reserves to loans | 1.45% | 1.15% |
| Leverage ratio | 13.81% | 11.26% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Louisiana
Largest competitors in St. James County, LA
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/first-american-bank-trust-vacherie-la