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First National Bank (LA)

Popular Accounts at this Bank

1.25%5-year CD60 Month CD
0.50%1-year CD12 Month CD
0.10%SavingsSavings Account

Overview / Commentary
1890 North Railroad Avenue
Arcadia, LA 71001

First National Bank (LA) is headquartered in Arcadia and is the 58th largest bank in the state of Louisiana. It is also the 2,604th largest bank in the nation. It was established in 1935 and as of June of 2016, it had grown to 73 employees at 9 locations. First National Bank (LA) has a B+ health rating.

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Reviews (3)

First National Has Been A Great Asset!

Posted by: BadRabbit | Jan 3, 2013

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!!!!!

Posted by: Anonymous | Jul 14, 2012

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"...so be it....I'm so out of there.

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/Mint.com 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 Mint.com does.


Health Grade Components

FDIC Certificate #15059
Year Established1935
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.77%
Return on Equity - YTD21.87%
Annual Interest Income$5.8MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$241.2MM$214.7MM
LoansQ2 2016vs Q2 2015$196.4MM$173.4MM
DepositsQ2 2016vs Q2 2015$208.2MM$187.7MM
Equity CapitalQ2 2016vs Q2 2015$19.5MM$18.3MM
Loan Loss AllowanceQ2 2016vs Q2 2015$2.3MM$2.3MM
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$1.1MM$174.00K
Real Estate OwnedQ2 2016vs Q2 2015$362.00K$997.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

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

0.75%*$250k*-Platinum Checking
OTHER TIERS: 0.05% Up to $5k | 0.10% $5k - $15k | 0.20% $15k - $50k | 0.30% $50k - $100k | 0.40% $100k - $250k

First National Bank (LA) CD Rates

1.25%--60 Month CD
1.25%$100k-5 Year CDARS with Checking
1.25%$100k-Business 5 Year CDARS with Checking
1.25%--Business 60 Month CD
1.10%--48 Month CD
1.10%--Business 48 Month CD
1.00%--36 Month CD
1.00%$100k-3 Year CDARS with Checking
1.00%$100k-Business 3 Year CDARS with Checking
1.00%--Business 36 Month CD
0.85%--30 Month CD
0.85%--Business 30 Month CD
0.75%--24 Month CD
0.75%$100k-2 Year CDARS with Checking
0.75%$100k-Business 2 Year CDARS with Checking
0.75%--Business 24 Month CD
0.60%--18 Month CD
0.60%--Business 18 Month CD
0.50%--12 Month CD
0.50%$100k-52 Week CDARS with Checking
0.50%--Business 12 Month CD
0.50%$100k-Business 52 Week CDARS with Checking
0.30%--182 Day CD
0.30%$100k-26 Week CDARS with Checking
0.30%--Business 182 Day CD
0.30%$100k-Business 26 Week CDARS with Checking
0.10%--91 Day CD
0.10%$100k-13 Week CDARS with Checking
0.10%$100k-Business 13 Week CDARS with Checking
0.10%--Business 91 Day CD
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

1.25%--60 Month IRA
1.00%--36 Month IRA
0.75%--24 Month IRA
0.50%--12 Month IRA

First National Bank (LA) Locations
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
Monroe 18th Street Branch1001 N. 18th StreetMonroe, LA 71201