b1BANK
b1BANK reported total assets of $8.9 bn at Q2 2026, up 12.0% on a year earlier, the 180th largest of 497 banks in our US coverage. The CET1 capital ratio at b1BANK was 12.33%, and the uninsured share of b1BANK was 46.68%. Source: FDIC Call Reports.
Key takeaways
- Since , b1BANK has taken over 6 institutions; the latest was Progressive Bank on (FDIC Call Reports).
- On return on equity (ROE), b1BANK slipped from 267th to 333rd among 500 US banks between and (1 = highest; FDIC Call Reports).
What sets b1BANK apart
How large is b1BANK?
The balance sheet of b1BANK at : assets $8.9 bn, deposits $7.3 bn, net loans $6.6 bn (loans equal to 90.76% of deposits). Securities make up 11.7% of total assets at b1BANK. Since , when b1BANK held $1.2 bn, its assets grew 669.7%. In the year to , deposits at b1BANK rose 13.0% while its total assets rose 12.0%. At , b1BANK employed 966 full-time equivalent staff across 63 offices, about $9.2 mn of assets per employee and $115.4 mn of deposits per office.
How much funding at b1BANK is uninsured?
At b1BANK, uninsured deposits (above the FDIC limit) made up 46.68% of domestic deposits at (+4.66 pp on a year earlier); b1BANK ranks 114th of 500 on this measure. In dollars, b1BANK estimated $3.4 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $7.3 bn | +13.0% | 179th of 499 |
| Net loans and leases | $6.6 bn | +10.2% | 171st of 500 |
| Loan-to-deposit ratio | 90.76% | -2.34 pp | 177th of 500 |
| Tier 1 leverage ratio | 10.91% | +0.12 pp | 180th of 500 |
| Total risk-based capital ratio | 13.20% | +0.29 pp | 338th of 448 |
| Net interest margin | 3.88% | +0.17 pp | 176th of 500 |
| Return on assets (ROA) | 1.23% | +0.04 pp | 295th of 500 |
| Efficiency ratio | 60.37% | +0.55 pp | 337th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $45.4 mn | Narrowed by $15.1 mn | |
| Noncurrent loans to total loans | 1.26% | +0.29 pp | 404th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.12% | +0.06 pp | 288th of 500 (1 = lowest) |
US rank of b1BANK: 1 = highest unless marked 1 = lowest.
Balance sheet
b1BANK: assets, deposits and loans
- Total assets $8.9bn
- Deposits $7.3bn
- Net loans $6.6bn
Capital and securities
The CET1 ratio of b1BANK stood at 12.33% in , +0.31 pp year on year. Low and high at b1BANK since : 9.50% () to 12.61% (). Equity capital of b1BANK at : $1.1 bn, or 12.2% of total assets. b1BANK also reported a total capital ratio of 13.20% for , and a tier 1 leverage ratio of 10.91%.
The available-for-sale portfolio of b1BANK showed an unrealized loss of $45.4 mn at ; the loss narrowed by $15.1 mn over the year.
b1BANK: capital ratios
- Total capital 13%
- CET1 12%
- Tier 1 leverage 11%
b1BANK: unrealized securities gains and losses
- Available for sale -$45mn
- Held to maturity $0
Profitability and loan quality
For the year to , b1BANK earned a return on equity of 10.30%; return on assets: 1.23%. Net interest margin at b1BANK: 3.88%, +0.17 pp in a year. b1BANK net income: $53.2 mn, up 13.8% year on year. The efficiency ratio of b1BANK was 60.37%: about 60 cents cost per revenue dollar, against 55 cents at the median peer.
At , noncurrent loans were 1.26% of total loans at b1BANK; net charge-offs: 0.12% of average loans. Gross loans and leases at b1BANK: $6.7 bn, up 10.2% in a year.
b1BANK: profitability
- Return on equity 10%
- Net interest margin 3.9%
- Return on assets 1.2%
Peer group of b1BANK
The peer group of b1BANK is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 3 share the charter type of b1BANK (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Louisiana. Against them, b1BANK shows CET1 ratio 12.33% against a peer median of 13.06%, return on equity 10.30% against a peer median of 14.25% and uninsured deposit share 46.68% against a peer median of 25.27%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Merrick Bank | State nonmember bank | UT | $9.1 bn | 16.80% | 13.48% | 4.76% | |
| American Savings Bank | National bank | HI | $9.0 bn | 13.49% | 16.36% | 23.32% | |
| Woodforest National Bank | National bank | TX | $9.0 bn | 11.27% | 24.22% | 28.30% | |
| b1BANK | State nonmember bank | LA | $8.9 bn | 12.33% | 10.30% | 46.68% | |
| Metropolitan Commercial Bank | State member bank | NY | $8.9 bn | 12.91% | 12.09% | 27.21% | |
| Salem Five Cents Savings Bank | State nonmember bank | MA | $8.8 bn | 13.21% | 8.41% | 18.29% | |
| Tompkins Bank & Trust | State nonmember bank | NY | $8.8 bn | 11.91% | 15.03% | 41.31% | |
. FDIC Call Reports.
Last eight quarters
Two years at b1BANK, to : assets +29.1%, deposits +28.7%, equity +39.5%. Staff 768 to 966; offices 54 to 63.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $6.9 bn | $7.9 bn | $7.8 bn | $7.9 bn | $7.9 bn | $8.2 bn | $8.9 bn | $8.9 bn |
| Total deposits | $5.7 bn | $6.5 bn | $6.5 bn | $6.4 bn | $6.5 bn | $6.7 bn | $7.5 bn | $7.3 bn |
| Bank equity capital | $777.6 mn | $870.0 mn | $902.4 mn | $919.0 mn | $955.9 mn | $969.2 mn | $1.0 bn | $1.1 bn |
| CET1 ratio | 12.00% | 11.60% | 12.04% | 12.02% | 12.28% | 12.02% | 11.96% | 12.33% |
| Return on equity (ROE) | 9.97% | 9.63% | 10.06% | 10.43% | 10.58% | 10.56% | 10.46% | 10.30% |
| Uninsured share of domestic deposits | 42.30% | 43.26% | 41.58% | 42.02% | 42.54% | 43.13% | 46.47% | 46.68% |
| Full-time equivalent employees | 768 | 859 | 860 | 850 | 847 | 831 | 955 | 966 |
| Number of offices | 54 | 60 | 60 | 58 | 56 | 54 | 63 | 63 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of b1BANK, oldest first; figures before and after each event are not like for like.
- . Absorbed MBL Bank (FDIC certificate 29829).
- . Absorbed Richland State Bank (FDIC certificate 8526).
- . Absorbed PEDESTAL BANK (FDIC certificate 35005).
- . Absorbed Texas Citizens Bank, National Association (FDIC certificate 58319).
- . Absorbed Oakwood Bank (FDIC certificate 10334).
- . Absorbed Progressive Bank (FDIC certificate 22139).
Large one-quarter moves at b1BANK
- Total assets at b1BANK changed by +25.7% in the quarter to 2018-03-31: Absorbtion - Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from MBL Bank.
- Total assets at b1BANK changed by +73.2% in the quarter to 2020-06-30: Affiliated Institution Merger (Pooling) (i.e. Corporate Reorganization; Participated in Absorbtion/Consolidation/Merger: acquired from PEDESTAL BANK.
Questions and identifiers
What were the total assets of b1BANK?
b1BANK reported $8.9 bn at in its Call Report. That makes b1BANK the 180th largest of 497 banks in our US coverage.
Is b1BANK the same as its holding company?
No. This page covers b1BANK, FDIC certificate 58228; Business First Bancshares, Inc., its holding company, reports separately to the Federal Reserve.
Is b1BANK profitable?
b1BANK reported net income of $53.2 mn for the year to ; annualized return on equity: 10.30%. So yes: b1BANK made a profit over these months.
When is data for b1BANK next updated?
Figures from b1BANK for are due after .
Where can I check the figures for b1BANK?
In the FDIC BankFind Suite record for certificate 58228, and in the Call Reports of b1BANK (RSSD ID 3408728) at the FFIEC Central Data Repository.