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1890 North Railroad Avenue
Arcadia, LA 71001

First National Bank (LA) is headquartered in Arcadia and is the 69th largest bank in the state of Louisiana. It is also the 3,052nd largest bank in the nation. It was established in 1935 and as of June of 2014, it had grown to 67 employees at 8 locations. First National Bank (LA) has a A health rating.

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Bank Changing Its High-Yield Reward Checking to Cash Back Checking - New Trend? - 10/7/2013

A DA reader forwarded me an email he received from First National Bank in Louisiana which announced that they are changing their high-yield reward checking account, called Kasasa Cash. Effective in No ...

Reviews (3)

Cannot Recommend

I look for several things in a deposit account:

1) a great rate on a relatively high balance threshold

2) quick ACH transfer service (not a bank that floats my money for two days)

2) strong online presence that includes Yodlee/ support

FNB Arcadia had a decent rate on their Kasasa rewards checking account, 3.55% on 15K when I opened my account. As with other rewards checking accounts, the requirement was 12 debit card purchases and one direct deposit per month to receive that rate.  After having the account opened for only two months, during which I met all of the requirements but kept my balance just over $15K, I received a notice that FNB deemed I was not using my account as a "primary checking account" and closed it, disabling my debit card without notifying me.  Embarrassingly, I discovered this at a cash register as I attemped to use my card when the cashier told me my card was lost/stolen. Not the way to treat a customer.

FNB does not have an ACH transfer service. Like many small banks, they recommend you set up your other accounts as payees in the bill payment solution.  While this results in an ACH transfer, it seems less than professional to do it this way.

FNB does not have a strong online presence.  The servicing and bill pay sites are outsourced to two different vendors and look quite unprofessional.  Yodlee does support FNB, but does.

First National Has Been A Great Asset!

Even when trying to purchase a home 1500 miles away, FNB in Arcadia has been super!  Easy to call up and talk to a real live person.  Everyone is friendly, courteous and willing to find answers to my questions.  Plus the interest rate on my Kasasa Cash account makes all of my friends jealous. A great bank offering a great financial product.  

It's Evident That They Don't Want Small Accounts!!!!!

Ever since Parkvale bank went over to First National, I have had nothing but a hassle...First it was a charge of $2.00 monthly charge for maintenance. Then the new checks came and they decided they didn't like the short version on my first name so they gave me the NAME they wanted me to use...(I have had a checking acct. with Park Vale for more years then I can remember with the SAME name (shortened first name)....If that wasn't enough, without asking or giving my permission, I was put into the account that they wanted me to have with now a $10.00 a month maintenance charge....I get and got the message....."they don't want me in their bank" be it....I'm so out of there.


Data for Q2 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 First National Bank (LA) had $1.21 million in non-current loans and owned real-estate with $19.32 million in equity and loan loss allowances on hand to cover it. This gives First National Bank (LA) a Texas Ratio of 6.24% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for First National Bank (LA) decreased dramatically from 9.75% as of June 30, 2013 to 6.24% as of June 30, 2014, resulting in a positive change of 36.00%.This indicates that the balance sheet and financial strength for First National Bank (LA) has improved dramatically in recent periods.

Deposit Growth


In the past year, First National Bank (LA) has increased its total deposits by $1.17 million, resulting in 0.68% 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 First National Bank (LA) 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. First National Bank (LA) has $199.69 million in assets with $19.32 million in equity, resulting in a capitalization level of 9.68%, which is above average.

Institution Statistics

FDIC Certificate #15059
Year Established1935
Primary RegulatorOCC
Assets and Liabilities
Assets$199.69 million
Loans$164.86 million
Deposits$173.25 million
Equity Capital$17.27 million
Loan Loss Allowance$2.05 million
Unbacked Noncurrent Loans$638,000
Real Estate Owned$568,000
Historic Data - June 2013
Assets$198.74 million
Equity Capital$16.83 million
Loan Loss Allowance$1.90 million
Unbacked Noncurrent Loans$638,000
Real Estate Owned$1.21 million
Profit Margin - Quarterly
Return on Assets2.15%
Return on Equity24.77%
Interest Income$5.32 million

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First National Bank (LA) Savings Account Rates

0.10%$1k-HSA Account
0.10%$100-Savings Account
0.10%--IRA Savings
0.10%$100-Business Savings Account

First National Bank (LA) Money Market Rates

0.10%$1,500-Money Market
0.10%$1,500-Business Money Market

First National Bank (LA) Checking Account Rates

0.50%$15k-UR Account
0.40%$100k-Platinum Checking
0.05%$1k-First Checking with Interest
0.05%$5k-First Business Checking with Interest

First National Bank (LA) CD Rates

1.50%$100k-5 Year CDARS with Checking
1.50%$100k-Business 5 Year CDARS with Checking
1.00%--60 Month CD
1.00%--Business 60 Month CD
0.85%--48 Month CD
0.85%--Business 48 Month CD
0.75%--36 Month CD
0.75%--Business 36 Month CD
0.70%$100k-3 Year CDARS with Checking
0.70%$100k-Business 3 Year CDARS with Checking
0.60%--30 Month CD
0.60%--Business 30 Month CD
0.50%--24 Month CD
0.50%$100k-2 Year CDARS with Checking
0.50%$100k-Business 2 Year CDARS with Checking
0.50%--Business 24 Month CD
0.40%--18 Month CD
0.40%--Business 18 Month CD
0.30%--12 Month CD
0.30%--Business 12 Month CD
0.20%--182 Day CD
0.20%$100k-52 Week CDARS with Checking
0.20%--Business 182 Day CD
0.20%$100k-Business 52 Week CDARS with Checking
0.10%--91 Day CD
0.10%$100k-26 Week CDARS with Checking
0.10%--Business 91 Day CD
0.10%$100k-Business 26 Week CDARS with Checking
0.07%$100k-13 Week CDARS with Checking
0.07%$100k-Business 13 Week CDARS with Checking
0.05%--7 - 31 Day CD
0.05%$100k-4 Week CDARS with Checking
0.05%--Business 7 - 31 Day CD
0.05%$100k-Business 4 Week CDARS with Checking

First National Bank (LA) IRA Rates

1.00%--60 Month IRA
0.75%--36 Month IRA
0.50%--24 Month IRA
0.30%--12 Month IRA

First National Bank (LA) Locations
Www.theuncommonbank.com1890 North Railroad AvenueArcadia, LA 71001
First National Bank1890 North Railroad AvenueArcadia, LA 71001
Ruston Toma Lodge Branch2001 North TrentonRuston, LA 71270
Ruston Downtown Branch212 W Alabama AveRuston, LA 71270
33 Branch2201 Farmerville HighwayRuston, LA 71270
Farmerville Branch310 East WaterFarmerville, LA 71241
West Monroe Cypress St Branch3510 Cypress StreetWest Monroe, LA 71291