Fifth District Bancorp, Inc.

Fifth District Bancorp, Inc. is the holding company for Fifth District Savings Bank, a federally chartered savings institution focused on traditional community banking. It gathers deposits, originates residential and commercial loans, and invests excess funds in securities while managing liquidity, capital, and interest-rate risk.

675,7 %

−2,3 %

— Fifth District Bancorp, Inc.
%
Deposits35% Savings, checking, and time deposit products that fund the bank's lending and investment activities.
Residential lending35% Mortgage loans and related consumer real estate credit, including home equity lines.
Commercial and construction lending15% Commercial real estate and construction loans that support local business and property development.
Investment securities10% Available-for-sale and other securities held to generate interest income and liquidity.
Liquidity and funding facilities5% Borrowing capacity from FHLB, correspondent banks, and overnight funding programs.

The bank serves retail depositors, mortgage borrowers, and local households that need savings products, home loans, or...

  • Retail deposit customersprimary

    Individuals and households that place savings and time deposits with the bank for safety, convenience, and FDIC-insured returns.

  • Residential mortgage borrowersprimary

    Consumers borrowing for home purchases, refinancings, and related mortgage needs.

  • Home equity borrowerssecondary

    Homeowners using revolving credit lines for renovations, expenses, or liquidity management.

  • Commercial real estate borrowerssecondary

    Local businesses and property investors financing income-producing real estate and related projects.

  • Construction borrowerssecondary

    Borrowers drawing staged funding for residential or commercial construction projects.

The company appears to operate primarily as a local U.S. community bank, with business concentrated in its branch and...

  • •Business is concentrated in the United States
  • •No country-level revenue disclosure was provided in the reports
  • •Local deposit and loan markets drive performance
  • •Funding access includes FHLB of Dallas and U.S. correspondent banks
  • •Exposure is tied to regional credit and interest-rate conditions

Management is focused on preserving strong capital and liquidity while growing core deposits and retaining maturing...

01
Strengthen core deposit franchiseshort-term

Core deposits are the cheapest and most stable funding source for a savings institution.

02
Preserve liquidity and borrowing capacityshort-term

High liquidity reduces refinancing risk if deposit outflows or loan demand increase.

03
Reduce interest-rate sensitivitymedium-term

A shorter securities profile helps protect earnings and economic value when rates change.

The main business risk is interest-rate sensitivity, because most assets and liabilities reprice with market rates and...

high

Interest-rate risk

Most assets and liabilities are rate-sensitive, so rapid rate moves can affect margins and economic value.

Scope
Loan and deposit repricing, securities duration, EVE sensitivity
Materiality
high
high

Deposit retention and funding competition

A substantial portion of time deposits is scheduled to mature, and lost balances may require higher-rate replacement funding.

Scope
Certificates of deposit, FHLB borrowing, correspondent lines
Materiality
high
medium

Credit risk in real estate lending

Construction, mortgage, and commercial real estate loans depend on borrower performance and collateral values.

Scope
Loan portfolio, allowance for credit losses
Materiality
high
medium

Regulatory and capital risk

Banking operations are constrained by capital, liquidity, and dividend rules.

Scope
Well-capitalized status, dividend capacity, growth flexibility
Materiality
medium
medium

Operational and cyber risk

A failure or breach of systems could disrupt customer service and create losses or reputational damage.

Scope
Third-party providers, information security systems
Materiality
medium
Allowance for credit losses under CECL
Loan loss provision and net income
Fair value of available-for-sale securities
Equity and regulatory capital
Bank owned life insurance income
Pretax income and tax rate
Off-balance-sheet loan commitments
Future loan balances and liquidity needs

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: 28/04/2026