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Companies $FDSB
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Fifth District Bancorp Inc logo

Fifth District Bancorp Inc

fifthdistrict.com

What Do They Do?

Takes deposits and makes residential mortgage, construction and commercial loans for households and businesses in the New Orleans area.

How Do They Make Money?

revenue
SegmentShareRevenue
Deposit Service and Account Maintenance Fees
8.4%
Insufficient Funds Fees
27%
ATM and Check Card Fees
65%

Who Are Their Customers?

Serves households seeking residential mortgages and deposit accounts, and businesses seeking commercial loans. It originates loans through employee marketing and advertising, its existing customer base, walk-ins and referrals.

Do Revenues Turn Into Profits?

Yes. Its net income in FY2025 was larger than its revenue and turned 156 cents into free cash flow.

Net income, FY2025
676% of revenue
▲ Now profitable vs FY2024 (−$1.1M, −174%)
Free cash flow, FY2025
156% of revenue
▲ Now profitable vs FY2024 (−$1.6M, −253%)

How Are They Changing?

Since the FY2025 annual report
Latest quarter: Q2 FY2026, the three months to Jun 30, 2026
Revenue
▲ +6%
vs $5.5M in Q2 FY2025
Net income
▼ −88%
vs $3.1M in Q2 FY2025
ATM and Check Card Fees share of revenue vs 62.6% in Q2 FY2025

Flat. Revenue was $605K in FY2025, about the same as the $614K of FY2023.

Revenue over time
Deposit Service and Account Maintenance Fees Insufficient Funds Fees ATM and Check Card Fees
$1M$500K$0

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