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Overview / Commentary
1525 Ringgold Avenue
Coushatta, LA 71019

Bank of Coushatta is headquartered in Coushatta and is the 68th largest bank in the state of Louisiana. It is also the 3,001st largest bank in the nation. It was established in 1897 and as of December of 2013, it had grown to 31 employees at 1 location. Bank of Coushatta has a B health rating.

Reviews (1)

Customer Service

They have Very poor customer service and always seems to tell everyone the same thing, "maybe she's just having a bad day"!


Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Bank of Coushatta had $3.93 million in non-current loans and owned real-estate with $19.02 million in equity and loan loss allowances on hand to cover it. This gives Bank of Coushatta a Texas Ratio of 20.64% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Bank of Coushatta experienced no significant changes from 22.53% as of December 31, 2012 to 20.64% as of December 31, 2013, resulting in a positive change of 8.36%.This indicates that the balance sheet and financial strength for Bank of Coushatta has had no significant changes in recent periods.

Deposit Growth


In the past year, Bank of Coushatta has increased its total deposits by $666,000, resulting in 0.36% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Bank of Coushatta has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Bank of Coushatta has $204.4 million in assets with $19.02 million in equity, resulting in a capitalization level of 9.31%, which is average.

Institution Statistics

FDIC Certificate #8531
Year Established1897
Primary RegulatorFDIC
Assets and Liabilities
Assets$204.41 million
Loans$51.61 million
Deposits$187.14 million
Equity Capital$16.95 million
Loan Loss Allowance$2.07 million
Unbacked Noncurrent Loans$3.41 million
Real Estate Owned$515,000
Historic Data - December 2012
Assets$206.07 million
Equity Capital$19.25 million
Loan Loss Allowance$2.69 million
Unbacked Noncurrent Loans$3.41 million
Real Estate Owned$361,000
Profit Margin - Quarterly
Net Interest Margin3.26%
Return on Assets0.63%
Return on Equity6.96%
Interest Income$6.99 million

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Bank of Coushatta Locations
Bank Of Coushatta1525 Ringgold AvenueCoushatta, LA 71019