Jennings, LA · Cert 34409 · Bancshares Inc. the
State charter, non-member · FDIC · 8 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
48
Asset Quality
34
Profitability
85
Liquidity
84
Efficiency
83
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Jennings, LA · Cert 34409 · Bancshares Inc. the
State charter, non-member · FDIC · 8 branches
Q2 2026
Market Position · Lake Charles, LA · 2026 SOD (annual) · 4.8% share · #8 of 20 inst. · $0.3B of $6.1B
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 | 1.66% | 1.72% | 1.50% | 1.59% | 1.59% | 1.62% | 1.83% | 1.75% | +16 bps | |
| Return on Equity | 14.60% | 14.92% | 12.40% | 13.07% | 12.91% | 13.00% | 14.13% | 13.68% | +61 bps | |
| Net Interest Margin | 4.60% | 4.64% | 4.69% | 4.65% | 4.83% | 4.90% | 5.07% | 4.97% | +33 bps | |
| Efficiency Ratio | 54.93% | 54.73% | 57.67% | 56.50% | 56.17% | 57.46% | 55.80% | 53.62% | -289 bps | |
| Non-Interest Burden | 2.22% | 2.23% | 2.44% | 2.36% | 2.44% | 2.54% | 2.59% | 2.40% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.43% | -1.09% | 3.83% | 4.69% | 3.85% | 2.03% | 2.80% | 5.64% | +95 bps | |
| Loan Growth (YoY) | -0.65% | 0.76% | 2.19% | 2.94% | 4.56% | 4.80% | 3.29% | 2.77% | -17 bps | |
| Deposit Growth (YoY) | 2.98% | 2.37% | 5.57% | 5.34% | 5.11% | 3.89% | 5.22% | 7.18% | +183 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.55% | 0.68% | 0.62% | 0.79% | 0.50% | 0.48% | 0.62% | 0.48% | -30 bps | |
| Net Charge-Offs / Loans | 0.29% | 0.30% | 0.24% | 0.34% | 0.40% | 0.39% | 0.10% | 0.15% | -19 bps | |
| Allowance / Loans | 1.65% | 1.62% | 1.64% | 1.63% | 1.62% | 1.59% | 1.59% | 1.78% | +16 bps | |
| Allowance Coverage of NPLs | 3.0x | 2.4x | 2.7x | 2.1x | 3.3x | 3.3x | 2.6x | 3.7x | +1.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.17% | 12.47% | 12.48% | 12.24% | 12.66% | 12.98% | 13.08% | 12.76% | +52 bps | |
| Total Risk-Based Capital | 12.17% | 12.47% | 12.48% | 12.24% | 12.66% | 12.98% | 13.08% | 12.76% | +52 bps | |
| Equity / Assets | 12.15% | 12.20% | 11.98% | 12.35% | 12.70% | 13.18% | 12.70% | 12.61% | +26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.70% | 89.84% | 86.82% | 87.96% | 90.23% | 90.63% | 85.23% | 84.35% | -362 bps | |
| Liquid Assets / Assets | 5.97% | 6.45% | 8.72% | 7.14% | 5.63% | 4.78% | 8.72% | 7.39% | +25 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 154.33% | 158.75% | 159.68% | n/a | n/a | |
Jennings, LA · Cert 34409 · Peer group: banks under $1B in assets (n=581-629) · Bancshares Inc. the
State charter, non-member · FDIC · 8 branches
Q2 2026
Return on Assets
1.70%
Rank 113 of 629
Net Interest Margin
4.97%
Rank 27 of 629
Efficiency Ratio
53.62%
Rank 106 of 629
Equity / Assets
12.61%
Rank 201 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.70% | 0.60% | 1.01% | 1.45% | Beats 82% | 113 / 629 | ||
| Return on Equity | 13.47% | 5.38% | 9.30% | 13.28% | Beats 76% | 148 / 629 | ||
| Net Interest Margin | 4.97% | 3.03% | 3.54% | 4.05% | Beats 96% | 27 / 629 | ||
| Efficiency Ratio | 53.62% | 58.35% | 67.79% | 79.08% | Beats 83% | 106 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.48% | 0.09% | 0.46% | 1.20% | Beats 49% | 301 / 581 | ||
| Net Charge-Offs / Loans | 0.10% | n/a | 0.01% | 0.06% | Beats 18% | 475 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.76% | 11.24% | 13.84% | 18.77% | Beats 41% | 371 / 629 | ||
| Total Risk-Based Capital Ratio | 12.76% | 11.58% | 14.43% | 19.66% | Beats 36% | 402 / 629 | ||
| Equity / Assets | 12.61% | 9.09% | 10.65% | 13.80% | Beats 68% | 201 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 84.35% | 67.24% | 80.90% | 93.48% | 55th pctl | 266 / 594 | ||
| Loans / Assets | 72.36% | 53.31% | 67.71% | 78.15% | 59th pctl | 258 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||