Bank, The
Jennings, LA · Cert 34409 · Peer group: banks under $1B in assets (n=573-620) · Bancshares Inc. the
State charter, non-member · FDIC · 8 branches
Q2 2026
$462.0MAssets
$334.3MLoans
$396.3MDeposits
$58.3MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 96% of banks under $1B in assets (rank 26 of 620).
- Widest gap: net charge-offs / loans trails 83% of banks under $1B in assets (rank 475 of 573).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.70%
Rank 109 of 620
Net Interest Margin
4.97%
Rank 26 of 620
Efficiency Ratio
53.62%
Rank 102 of 620
Equity / Assets
12.61%
Rank 193 of 620
Non-interest income vs. expense
Unfavorable gap of $11.1M · efficiency ratio beats 84% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.70% | 0.60% | 1.00% | 1.45% | Beats 82% | 109 / 620 | |
| Return on Equity | 13.47% | 5.30% | 9.30% | 13.29% | Beats 77% | 145 / 620 | |
| Net Interest Margin | 4.97% | 3.02% | 3.53% | 4.04% | Beats 96% | 26 / 620 | |
| Efficiency Ratio | 53.62% | 58.35% | 68.08% | 79.37% | Beats 84% | 102 / 620 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.48% | 0.09% | 0.47% | 1.27% | Beats 50% | 291 / 573 | |
| Net Charge-Offs / Loans | 0.10% | n/a | 0.01% | 0.06% | Beats 17% | 475 / 573 | |
| Capital |
| Tier 1 Capital Ratio | 12.76% | 11.27% | 13.87% | 18.78% | Beats 41% | 368 / 620 | |
| Total Risk-Based Capital Ratio | 12.76% | 11.69% | 14.57% | 19.67% | Beats 36% | 397 / 620 | |
| Equity / Assets | 12.61% | 9.03% | 10.60% | 13.73% | Beats 69% | 193 / 620 | |
| Liquidity & Funding |
| Loans / Deposits | 84.35% | 65.08% | 79.69% | 92.47% | 57th pctl | 251 / 585 | |
| Loans / Assets | 72.36% | 51.85% | 67.17% | 77.86% | 60th pctl | 245 / 620 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |