Mansfield, LA · Cert 13951 · Mansfield Bancshares Inc.
State charter, non-member · FDIC · 12 branches
Q2 2026
Market Position · Shreveport-Bossier City, LA · 2026 SOD (annual) · 7.9% share · #6 of 23 inst. · $0.8B of $9.6B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.89% | 1.15% | 1.01% | 1.05% | 1.40% | +52 bps | |
| Return on Equity | 20.93% | 23.56% | 17.53% | 16.39% | 20.34% | -59 bps | |
| Net Interest Margin | 2.69% | 2.73% | 2.74% | 2.71% | 3.04% | +35 bps | |
| Efficiency Ratio | 62.23% | 56.77% | 58.63% | 58.10% | 51.55% | -1,068 bps | |
| Non-Interest Burden | 1.61% | 1.34% | 1.41% | 1.38% | 1.31% | -30 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.96% | -4.19% | 7.96% | 3.86% | 6.63% | +1,259 bps | |
| Loan Growth (YoY) | -1.97% | 3.30% | 8.73% | 8.60% | 3.86% | +582 bps | |
| Deposit Growth (YoY) | 3.96% | 5.82% | 6.63% | 1.15% | 3.53% | -42 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.24% | 0.27% | 0.26% | 1.47% | 0.01% | -23 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.14% | 0.08% | 0.00% | -0.02% | -2 bps | |
| Allowance / Loans | 0.53% | 0.47% | 0.49% | 0.50% | 0.52% | 0 bps | |
| Allowance Coverage of NPLs | 2.2x | 1.7x | 1.9x | 0.3x | 64.1x | +61.9x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.45% | 9.43% | 9.70% | 10.09% | 10.13% | +69 bps | |
| Total Risk-Based Capital | 21.65% | 9.43% | 9.70% | 10.09% | 10.13% | -1,152 bps | |
| Equity / Assets | 4.10% | 5.61% | 5.93% | 6.90% | 6.91% | +280 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 35.40% | 36.85% | 34.33% | 36.16% | 35.51% | +11 bps | |
| Liquid Assets / Assets | 9.79% | 10.89% | 14.27% | 11.85% | 11.33% | +154 bps | |
| CRE / Total Capital | n/a | 224% | 214% | 201% | n/a | n/a | |