At a glance
From its website, read 2 Nov 2026First National Bank USA is a bank or thrift based in Boutte, Louisiana. Its website describes auto loans, equipment loans, home repair loans and 2 other loan types. Where it lends: Boutte, LaPlace, and St. Charles Parish. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Lending | (985) 785-8411 source |
|---|---|
| Lending | (985) 651-0781 source |
| Toll-free | (800) 738-8411 source |
| info@fnbusa.com source | |
| Apply online | Page with the application link |
| Website | www.fnbusa.com |
| Office (official list) | P.O. Box 508, Boutte, LA 70039 |
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank or thrift |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 20 Apr 2023 |
| RSSD ID | 714839 |
| Address | P.O. Box 508, Boutte, LA 70039 Directions to the main office (Google Maps) |
| Website | www.fnbusa.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 6 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. Loan products appear mainly as menu labels; no loan amounts, terms or eligibility rules are stated on the pages fetched. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | Automobiles | source |
| Equipment loans | — | Equipment Purchase | source |
| Home repair / improvement loans | — | Home Improvement | source |
| Home mortgages | — | Home Purchase and Refinance Mortgage Loan Products | source |
| Small-business loans | — | Business Loans | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Boutte, LaPlace, and St. Charles Parish
Proudly Serving Boutte, LaPlace, and St. Charles Parish since 1975
source
Counties this matches: St. Charles Parish, LA
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Mortgage Lending – APPLY NOW
source
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and home repair loans?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your equipment loans and small-business loans?
Their website does not state a rate for this. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - How long can I take to repay?
No repayment terms are stated on their website. - What documents will you need from me, and how long does a decision usually take?
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$425,070 in 2 awards from the U.S. Treasury's CDFI Fund, 2023–2024 (Bank Enterprise Award Program).
| Round year | Program | Amount |
|---|---|---|
| 2024 | Bank Enterprise Award Program | $180,000 |
| 2023 | Bank Enterprise Award Program | $245,070 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
FDIC, 30 Jun 2026On file with the FDIC as First National Bank USA (FDIC cert 22046). Source: FDIC BankFind Suite (public data): total assets from the Call Report as of 30 Jun 2026; office list as of 30 Oct 2026, downloaded 3 Nov 2026.
| Total assets | $249.1 million (as of 30 Jun 2026) |
|---|---|
| Offices | 2 (as of 30 Oct 2026) |
Offices by state and county (2)
Louisiana (2 offices)
- St. Charles Parish (1): 13386 Highway 90, Boutte 70039 (main office)
- St. John the Baptist Parish (1): 377 Belle Terre Blvd, La Place 70068
An office shows where the lender has a branch, not where it lends or whom it lends to.
What the regulator filing shows
Call Report, 30 Jun 2026Figures from the Call Report filed by First National Bank USA (RSSD 714839, FDIC cert 22046). Source: FFIEC Central Data Repository, bulk Call Report data (public data), report date 30 Jun 2026; year-earlier figures from the 30 Jun 2025 report; downloaded 4 Nov 2026. Schedules RC-C Parts I and II, dollar amounts filed in thousands.
| Total loans and leases | $113.5 million (as of 30 Jun 2026, net of unearned income) |
|---|---|
| Change over the year | Up 4.9% from $108.3 million on 30 Jun 2025 |
| Total assets | $249.1 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Home mortgages (1-4 family, closed-end) | $34.4 million | 30.3% |
| Home equity lines of credit | $7.2 million | 6.4% |
| Commercial real estate, construction and multifamily | $62.6 million | 55.1% |
| Commercial and industrial (business) loans | $4.1 million | 3.6% |
| Farmland and farm production loans | $337,000 | 0.3% |
| Consumer loans (credit cards, auto, other) | $885,000 | 0.8% |
| All other loans and leases | $3.9 million | 3.5% |
Within consumer loans: auto loans $92,000, credit cards $496,000.
Small business loans (original amount $1 million or less, balances on 30 Jun 2026)
| Original loan amount | Secured by business property | Commercial and industrial |
|---|---|---|
| Up to $100,000 | 11 loans $488,000 | 25 loans $197,000 |
| $100,001 to $250,000 | 35 loans $3.5 million | 13 loans $898,000 |
| $250,001 to $1 million | 42 loans $13.1 million | 4 loans $1.5 million |
| All small business loans | 88 loans $17.1 million | 42 loans $2.6 million |
Small farm loans (original amount $500,000 or less, balances on 30 Jun 2026)
| Original loan amount | Secured by farmland | Farm production |
|---|---|---|
| Up to $100,000 | none reported | none reported |
| $100,001 to $250,000 | 3 loans $337,000 | none reported |
| $250,001 to $500,000 | none reported | none reported |
| All small farm loans | 3 loans $337,000 | none reported |
Balances are loans outstanding on the report date, not loans made during the year, and they include loans the bank bought. Shares are of gross loans and leases. The change over the year includes loans gained through mergers or bought from others. A category with no balance does not mean the bank never makes that kind of loan; ask the bank.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025First National Bank USA reported 40 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $8.7M (median loan about $175,000). 18 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 18 | 45% |
| Refinance (incl. cash-out) | 22 | 55% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 38 | 95% |
Where the loans were made
Counties with the most 2025 originations, out of 9 counties with at least one; 92% of its 2025 loans were for properties in Louisiana:
- Jefferson Parish, LA (13)
- St. John the Baptist Parish, LA (9)
- St. Charles Parish, LA (7)
- Orleans Parish, LA (4)
Filed under LEI 549300F376WY63AY7896 as “First National Bank USA”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $249.1 million | Larger than 36% of the 72 other certified banks and bank holding companies in Louisiana (median $334.7 million). |
| Loans as a share of assets | 46% | Median of the same 72 banks and bank holding companies: 73%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $108.3 million → $113.5 million (+5%) | Median change of 72 other certified banks and bank holding companies in Louisiana: +3%. Rank by loans held among these 73: 57 → 57. |
| Home loans originated in 2025 (HMDA) | 40 | More than 18% of the 263 other certified CDFIs that reported 3 or more (120 at the median). Volume only; nothing here is an approval rate. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified banks and bank holding companies in Louisiana | 72 | larger than 36% |
| Loans held then vs now | certified banks and bank holding companies in Louisiana reporting both dates | 72 | rank 57 → 57 of 73 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 18% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.
SBA loans approved
SBA data as of 30 Sep 2026The SBA's public loan data lists 1 SBA-backed approval for First National Bank USA in fiscal years 2020–2026 (October 2019 to September 2026):
- 1 7(a) loans as the lender
By fiscal year: FY2020 0 · FY2021 0 · FY2022 1 · FY2023 0 · FY2024 0 · FY2025 0 · FY2026 0.
By program
- 7(a) standard (1, 100%)
How this lender was matched in the SBA files: FDIC cert 22046, found through the RSSD ID on the CDFI Fund list (SBA lists “First National Bank USA”).
Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. First National Bank USA may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in Boutte and Louisiana
- First St. Charles Bancshares, Inc.Bank holding company · Boutte, LAOfficial list only
- 705 Federal Credit UnionCredit union · Lafayette, LAAuto / vehicle loans, Credit-builder loans, Microloans, Home mortgages…Verified
- American Bank & Trust CompanyBank or thrift · Opelousas, LAAgriculture / farm loans, Commercial real estate loans, Home mortgages, Personal / consumer loans…Verified
- Ascension Credit UnionCredit union · Gonzales, LAAuto / vehicle loans, Commercial real estate loans, Credit-builder loans, Equipment loans…Verified
- BASILE STATE BANKBank or thrift · Basile, LAAuto / vehicle loans, Home repair / improvement loans, Personal / consumer loansVerified
- BOM BankBank or thrift · Natchitoches, LAAuto / vehicle loans, Credit-builder loans, Home mortgages, Personal / consumer loans…Verified
Work at First National Bank USA? Link to this page
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