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888-216-4568
12225 St. Helena Street
Clinton, LA 70722

Landmark Bank is headquartered in Clinton and is the 107th largest bank in the state of Louisiana. It is also the 4,657th largest bank in the nation. It was established in 1897 and as of December of 2013, it had grown to 38 employees at 3 locations. Landmark Bank has a C+ health rating.

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Health

Data for Q4 2013

Institution Health

C+

Texas Ratio

GRADE:
C+

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 Landmark Bank had $2.67 million in non-current loans and owned real-estate with $11.82 million in equity and loan loss allowances on hand to cover it. This gives Landmark Bank a Texas Ratio of 22.57% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C-

The Texas Ratio for Landmark Bank increased slightly from 11.01% as of December 31, 2012 to 22.57% as of December 31, 2013, resulting in a negative change of 104.95%. This indicates that the balance sheet and financial strength for Landmark Bank has declined slightly in recent periods.

Deposit Growth

GRADE:
C

In the past year, Landmark Bank has decreased its total deposits by -$1.19 million, resulting in -1.27% 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 Landmark Bank has shown is average.

Capitalization

GRADE:
A

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. Landmark Bank has $103.74 million in assets with $11.82 million in equity, resulting in a capitalization level of 11.39%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #307
Year Established1897
Employees38
Primary RegulatorFDIC
Assets and Liabilities
Assets$103.74 million
Loans$64.90 million
Deposits$92.07 million
Equity Capital$10.92 million
Loan Loss Allowance$896,000
Unbacked Noncurrent Loans$2.55 million
Real Estate Owned$120,000
Historic Data - December 2012
Assets$106.03 million
Equity Capital$11.38 million
Loan Loss Allowance$819,000
Unbacked Noncurrent Loans$2.55 million
Real Estate Owned$379,000
Profit Margin - Quarterly
Net Interest Margin3.96%
Return on Assets0.83%
Return on Equity7.75%
Interest Income$4.22 million
Rates

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Locations


Landmark Bank Locations
Landmark Bank12225 St. Helena StreetClinton, LA 70722
Zachary Branch20070 Plank RoadZachary, LA 70791
Greensburg Branch31 Kendrick StGreensburg, LA 70441