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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.80% | 0.89% | 0.99% | 0.94% | 1.00% | 1.00% | 1.05% | 1.22% | +28 bps | |
| Return on Equity | 17.58% | 19.47% | 21.83% | 21.44% | 21.42% | 20.27% | 16.39% | 18.60% | -284 bps | |
| Net Interest Margin | 2.33% | 2.45% | 2.54% | 2.63% | 2.65% | 2.66% | 2.71% | 2.88% | +25 bps | |
| Efficiency Ratio | 62.82% | 59.06% | 59.88% | 61.01% | 59.52% | 59.28% | 58.10% | 54.63% | -639 bps | |
| Non-Interest Burden | 1.30% | 1.21% | 1.32% | 1.48% | 1.42% | 1.41% | 1.38% | 1.35% | -13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.47% | 0.51% | -6.44% | -5.96% | -4.19% | 7.96% | 3.86% | 6.63% | +1,259 bps | |
| Loan Growth (YoY) | 6.24% | -1.91% | -4.84% | -1.97% | 3.30% | 8.73% | 8.60% | 3.86% | +582 bps | |
| Deposit Growth (YoY) | 2.16% | 0.59% | 2.48% | 3.96% | 5.82% | 6.63% | 1.15% | 3.53% | -42 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.21% | 0.60% | 0.23% | 0.24% | 0.27% | 0.26% | 1.47% | 0.01% | -23 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.25% | 0.03% | 0.02% | 0.06% | 0.06% | 0.00% | -0.01% | -2 bps | |
| Allowance / Loans | 0.52% | 0.54% | 0.54% | 0.53% | 0.47% | 0.49% | 0.50% | 0.52% | 0 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.9x | 2.4x | 2.2x | 1.7x | 1.9x | 0.3x | 64.1x | +61.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.90% | 9.54% | 9.07% | 9.45% | 9.43% | 9.70% | 10.09% | 10.13% | +69 bps | |
| Total Risk-Based Capital | 20.35% | 21.99% | 21.04% | 21.65% | 9.43% | 9.70% | 10.09% | 10.13% | -1,152 bps | |
| Equity / Assets | 5.40% | 4.66% | 4.37% | 4.10% | 5.61% | 5.93% | 6.90% | 6.91% | +280 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 37.75% | 33.66% | 33.68% | 35.40% | 36.85% | 34.33% | 36.16% | 35.51% | +11 bps | |
| Liquid Assets / Assets | 14.63% | 14.97% | 12.94% | 9.79% | 10.89% | 14.27% | 11.85% | 11.33% | +154 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 224% | 214% | 201% | n/a | n/a | |