BOM Bank
Natchitoches, Louisiana, Natchitoches County
$1.6B in total assets, the 716th largest of 4,309 US banks and 8th of 104 headquartered in Louisiana.
- FDIC certificate
- 1373
- Established
- 1903
- Owned by
- Grant Bancshares Inc
- Primary regulator
- FDIC
- Website
- www.bofm.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 | $1.6B | 65% | $1.3B | |
| Loans | $1.2B | 65% | $930M | |
| Deposits | $1.4B | 65% | $1.2B | |
| Return on assets | 0.92% | 29% | 1.18% | |
| Net interest margin | 4.05% | 41% | 4.20% | |
| Efficiency ratio | 68.5% | 62% | 66.5% | |
| Equity to assets | 10.38% | 35% | 11.33% | |
| Loans to deposits | 87% | 71% | 78% |
Growth
Total assets grew 19.7% a year over the last 5 years and 19.0% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Oct 2019 | First State Bank Hemphill, TX | $58M |
| Jan 2016 | Bank of Ringgold Ringgold, LA | $56M |
Where they operate
26 branches in 12 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Natchitoches County, LA | $864M | 54.7% | 1 of 6 |
| Sabine County, LA | $88M | 11.3% | 3 of 5 |
| Rapides County, LA | $79M | 2.4% | 9 of 15 |
| Shelby County, TX | $62M | 9.5% | 3 of 8 |
| Angelina County, TX | $60M | 2.8% | 8 of 11 |
| Bienville County, LA | $58M | 19.0% | 3 of 4 |
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 20 branches since 2016 (6 to 26, +333.3%). 19 opened, 3 acquired, 2 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 6 | |||
| 2016 | Acquired Bank of RinggoldOpened Haughton and Ringgold | 4 | 0 | +4 | 10 |
| 2017 | Opened Alexandria and Shreveport | 2 | 0 | +2 | 12 |
| 2018 | Opened AlexandriaClosed Alexandria | 2 | 1 | +1 | 13 |
| 2019 | Acquired First State BankOpened Shreveport | 2 | 0 | +2 | 15 |
| 2022 | Opened Alexandria and Lufkin | 2 | 0 | +2 | 17 |
| 2023 | Opened Pineville and Woodworth | 2 | 0 | +2 | 19 |
| 2024 | Closed Lufkin | 0 | 1 | −1 | 18 |
| 2025 | Opened 8 in Texas | 8 | 0 | +8 | 26 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 40% | 32% | |
| 1-4 family residential | 25% | 26% | |
| Business (C&I) | 13% | 14% | |
| Construction and land | 10% | 9% | |
| Farmland | 7% | 2% | |
| Multifamily | 2% | 4% | |
| Consumer | 1% | 5% | |
| Agricultural | 0% | 1% | |
| Other | 1% | 6% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Time deposits | 47% | 37% | |
| Other interest-bearing | 37% | 44% | |
| Noninterest-bearing | 16% | 20% |
Brokered deposits are 17.5% of deposits (peers 8.4%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.54% | 1.20% |
| Net charge-offs, annualized | 0.20% | 0.12% |
| Reserves to loans | 0.76% | 1.18% |
| Leverage ratio | 10.64% | 11.35% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Louisiana
Largest competitors in Natchitoches 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/bom