Louisiana National Bank


Overview / Commentary
318-263-8482
1890 N. Railroad Ave.
Arcadia, LA 71001

Louisiana National Bank is headquartered in Arcadia and is the 56th largest bank in the state of Louisiana. It is also the 2,502nd largest bank in the nation. It was established in 1935 and as of March of 2021, it had grown to 77 employees at 9 locations. Louisiana National Bank has an A health rating.

Reviews (3)

First National Has Been A Great Asset!

Posted by: |

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: |

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

Health Grade Components

Overall
FDIC Certificate #15059
Year Established1935
Employees77
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.02%
Return on Equity - YTD11.14%
Annual Interest Income$3.4MM
Assets and Liabilities
AssetsQ1 2021vs Q1 2020$291.6MM$259.2MM
LoansQ1 2021vs Q1 2020$231.3MM$216.9MM
DepositsQ1 2021vs Q1 2020$259.6MM$230.2MM
Equity CapitalQ1 2021vs Q1 2020$25.6MM$24.9MM
Loan Loss AllowanceQ1 2021vs Q1 2020$2.9MM$2.6MM
Unbacked Noncurrent LoansQ1 2021vs Q1 2020$783.00K$1.8MM
Real Estate OwnedQ1 2021vs Q1 2020$95.00K$101.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Louisiana National Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$1k-HSA Account
0.10%--Business Saving
0.05%$100-First Savings Account
0.05%--IRA Savings

Louisiana National Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%*$250k*-Platinum Checking
OTHER TIERS: 0.05% Up to $5k | 0.07% $5k - $15k | 0.10% $15k - $50k | 0.20% $50k - $100k | 0.25% $100k - $250k
0.25%*$100k*$250kBusiness Platinum Checking
OTHER TIERS: 0.10% $15k - $50k | 0.20% $50k - $100k

Louisiana National Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%--36 Month CD
0.30%--60 Month CD
0.30%--Business 36 Month CD
0.30%--Business 60 Month CD
0.30%--48 Month CD
0.30%--Business 48 Month CD
0.26%$100k-3 Year CDARS with Checking
0.26%$100k-Business 3 Year CDARS with Checking
0.25%--24 Month CD
0.25%--30 Month CD
0.25%--Business 24 Month CD
0.25%--Business 30 Month CD
0.20%--12 Month CD
0.20%--18 Month CD
0.20%--Business 12 Month CD
0.20%--Business 18 Month CD
0.16%$100k-2 Year CDARS with Checking
0.16%$100k-Business 2 Year CDARS with Checking
0.15%--182 Day CD
0.15%--Business 182 Day CD
0.10%--91 Day CD
0.10%--Business 91 Day CD
0.08%$100k-52 Week CDARS with Checking
0.08%$100k-Business 52 Week CDARS with Checking
0.06%$100k-26 Week CDARS with Checking
0.06%$100k-Business 26 Week CDARS with Checking
0.05%--7-31 Day CD
0.05%--Business 7-31 Day CD
0.04%$100k-13 Week CDARS with Checking
0.04%$100k-Business 13 Week CDARS with Checking
0.03%$100k-4 Week CDARS with Checking
0.03%$100k-Business 4 Week CDARS with Checking

Louisiana National Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%--36 Month IRA
0.30%--60 Month IRA
0.25%--24 Month IRA
0.20%--12 Month IRA
Locations


Louisiana National Bank Locations
First National Bank2001 N Trenton StRuston, LA 71270
Ruston Toma Lodge Branch1890 North Railroad AvenueRuston, LA 71001
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
Baton Rouge Office Branch6919 Corporate Blvd.Baton Rouge, LA 70809

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